412(e)(3) Plans

Retirement plans are bound by the calendar. Establishing and funding a plan must happen within specific deadlines tied to your business's tax year — and a contribution opportunity that passes is gone for good. For a high-earning owner, that can mean leaving a sizable deduction on the table every year the plan isn't in place.

If you've just had a strong year, the window to turn that income into a large, deductible contribution is finite. The earlier in your planning you start, the more you can capture — and the smoother and more defensible the setup. This is not a strategy that rewards waiting until the last week of the year to ask the question.

A 412(e)(3) plan is funded exclusively with guaranteed insurance and annuity contracts, which is what makes it both powerful and exacting. We design these plans in close coordination with your CPA and a qualified actuary, so the structure is sound, compliant, and built around your goals.

These plans suit stable, profitable businesses with consistent cash flow and owners who want to accelerate retirement savings. We'll help you determine whether yours is a fit — and whether there's still time to act for this tax year.