An Intac/FuturePlan case study
SUMMARY
An independent IT consultant sought to maximize retirement savings and tax deductions beyond the limits of a standard retirement plan. Intac/FuturePlan designed a strategic combination of a Defined Benefit (DB) plan with a 401(k) Profit Sharing plan. This custom solution enabled the client to dramatically increase their annual retirement contributions, resulting in significant tax savings and a substantially larger projected retirement fund.
THE CHALLENGE
Our client, a 39-year-old IT consultant operating as a sole proprietorship, had a net income of $250,000. Their primary goal was to aggressively save for retirement while maximizing their tax deductions as an independent contractor. A standard Solo 401(k) would not allow them to contribute enough to meet their ambitious savings objectives. They required a more powerful, tailored strategy to leverage their high income for long-term wealth accumulation and immediate tax relief.
Intac/FuturePlan actively answered all of my questions in a timely fashion, with patience and guidance.
OUR SOLUTION
The professionals at Intac/FuturePlan developed a sophisticated retirement strategy by combining a Defined Benefit (DB) plan with a 401(k) Profit Sharing plan. This integrated approach is designed specifically for high-income professionals who wish to contribute significantly more than conventional plan limits allow.
Our tailored solution enabled the client to make the following contributions for the 2025 tax year:
- Defined Benefit Plan: $105,715
- 401(k) Deferral: $23,500 (for 2025)
- Profit Sharing: $15,000 (6% of $250,000)
This custom plan design allowed for a total annual contribution of $144,215—a substantial increase over what a standalone plan could offer.
THE IMPACT
By implementing this supercharged retirement plan, our client achieved their financial goals with exceptional results.
Significant Increase in Contributions:
The client contributed $74,215 more than the $70,000 (the allowed 2025 contribution) they would have contributed to a Solo 401(k) profit-sharing plan alone.
Significant Tax Savings:
The full contribution of $144,215 was tax-deductible. Assuming a 48% marginal tax bracket, this generated immediate federal tax savings for the year.
With guidance from our team, the client was able to transform their high income into an accelerated path toward retirement security and significant tax efficiency.
Are you interested in supercharging your retirement plan?
Contact Intac/FuturePlan today, and we will help design the best retirement plan to meet your needs.