We help self-employed individuals and small business owners create customized, tax-efficient pension plans that maximize savings and tax deductions. We also work alongside the advisors and CPAs who serve them.
Over a decade of pension and tax-saving experience applied to your numbers, not a template.
Plans tailored to your financial and business needs, including staff, structure and cash flow.
Reduce taxable income while maximizing what you contribute toward retirement.
IRS-compliant plans with hassle-free administration, so nothing lands back on your desk.
One dedicated consultant and one point of contact, from first call to annual review.
Which structure fits depends on your age, income, staff and how steady your profits are. Start here, then go deeper on the plan that looks closest.
We look at your income, business structure and goals, and tell you honestly what is possible.
We model designs and show you the contribution and deduction each one supports.
Documents, accounts, all IRS filings and paperwork handled on your behalf.
Annual review and adjustments as your income, staff and goals change.
Enter your age and income in the calculator alongside and see the contribution a plan could support this year. Comparing structures? Try the Cash Balance Plan Calculator too.
Fill in the details below to receive your personalised pension estimate.
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Average of your last 3 years' compensation
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Tell us four things and a consultant will send you an estimate of the contribution and deduction your situation could support. No cost, no obligation.
"As a real estate broker, business income can be significantly high in a particular year, and much lower in another. A Defined benefit plan allows me to contribute a large amount in good years and lower the contributions in other years."
"After working for almost 15 years as a software architect, I quit my full time job and started taking up consulting assignments with the very same clients I serviced earlier as an employee. I am now able to contribute more than 50% of my income to a retirement plan and thereby save significantly in taxes."
"We sponsored a profit sharing plan that required me to contribute to the employees as well. We then made a switch to a floor offset defined benefit plan which allowed me to triple my own contributions, while increasing the employee contributions by only 2%."
"As a physician, our practice experiences steady income and profits and a defined benefit plan allows us to maximize our tax savings by contributing a fixed amount each year."
Customized Solutions
We tailor pension plans to fit your unique financial and business needs
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Get Prepared for Retirement in Just 3 Easy Steps
This is the only online calculator that can perform complex calculations with the click of a button.
Fill in the details below to receive your personalised pension estimate.
US numbers only, e.g. (646) 409-1660
Average of your last 3 years' compensation
* Required field 🔒 Your information is private and will only be used to generate your estimate.
Free Consultation
Discuss your goals, tax-saving opportunities, and ideal retirement strategy with our experts.
Personalized Plan Design We create a custom pension solution tailored to your financial and business needs.
Plan Setup & Compliance We handle all IRS filings, paperwork, and plan implementation to ensure full compliance.
Ongoing Management & Optimization
We provide continuous support to help you optimize contributions, maximize tax savings, and amend plans as needed.
A Solo 401(k) or a Defined Benefit Plan is often the best option for self-employed individuals. These plans allow for higher tax-deductible contributions and flexible retirement savings.
Contribution limits depend on the type of plan. A 401(k) plan has an annual contribution cap, while a defined benefit plan can allow contributions of over $200,000 per year for high-income earners.
Yes! Employer-sponsored pension contributions are tax-deductible, reducing taxable income for businesses and self-employed individuals.
Simple! Schedule a free consultation with one of our pension experts, and we’ll help you choose the best retirement strategy for your needs.
Don’t leave your retirement savings to chance. Our experts at Pension Deductions will design a customized pension plan that minimizes taxes, maximizes savings, and secures your financial future.
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Defined Benefit Plan vs Cash Balance Plan 2026 allow contributions of $100,000 to $300,000+ per year. Full 2026 comparison. Consult Now!
The defined benefit plan calculator 2026 gives you a number in 2 minutes. But most business owners don’t know what drives it, why age matters so much, or how their entity type changes the input. Here’s the complete 2026 guide with real contribution examples by age, income, and business structure.
Attorney retirement plan 2026. Here is the complete 2026 retirement plan guide for attorneys & law firm owners by practice structure, income level, & age.
If your business sponsors a 401(k)/Cash Balance/Defined Benefit Plan, Form 5500 deadline 2026 is July 31, 2026. Penalties of $2,739 per day.
