De Bedout CPA

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Pensions & Retirement Planning

Traditional retirement accounts cap contributions around $70K. Our retirement strategies can help business owners defer $200K to $300K or more annually, turning high-earning years into smarter tax years.

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Built for entrepreneurs who think differently

When Standard Plans Stop Working

If you have already maxed a SEP-IRA or Solo 401(k) and still face a substantial tax burden, you may have outgrown conventional solutions. These structures are designed for business owners whose income has surpassed what traditional accounts can shelter. In the right scenario, contributions can reach $265K or more while maintaining full deductibility — lowering taxable income during peak earning years and accelerating retirement accumulation, with ongoing requirements managed by our team.

Precision-engineered solutions

Every plan is built around your business model, cash flow patterns, and long-term objectives, aligned with how you actually operate.

Complete white-glove service

From actuarial calculations to annual filings, our team manages the technical requirements. You are not stuck chasing compliance forms or deadlines.

Measurable tax impact

Clients often defer $150K to $300K more annually than standard retirement vehicles allow. The tax savings alone can justify implementation.

Implementation Process

Simple on your side. Detailed on ours.

IRS-compliant retirement solutions for business owners generating significant income who want more than one-size contribution limits.

1 · Financial Analysis

Share your business financials, income projections, and retirement timeline. Our initial assessment takes about 15 minutes and shows your estimated contribution capacity.

15-minute assessmentContribution capacityNo commitment

2 · Strategy Development

We design your plan using actuarial modeling and tax optimization. You see projected contributions, tax savings, and costs before committing.

Actuarial modelingTax optimizationNumbers up front

3 · Implementation and Setup

We handle plan documents, structure, and setup so the plan is established correctly and in compliance from the first contribution.

Plan documentsCorrect setupIRS-compliant

4 · Ongoing Administration

Annual filings, actuarial calculations, and compliance requirements handled by our team year after year, so nothing slips through.

Annual filingsComplianceDeadlines managed

Related Services

Often paired with retirement planning

Retirement strategy works best when the rest of the picture is aligned.

Business Tax Advisory

Year-round strategy for the decisions that shape your tax bill as you grow.

Learn more →

Personal Tax

Owner-level planning coordinated with your business and your retirement strategy.

Learn more →

Family Office Services

Ongoing coordination across advisors, entities, and generations.

Learn more →

Good to Know

Frequently Asked Questions

Business owners generating significant income who have already maxed a SEP-IRA or Solo 401(k) and still face a substantial tax burden. If traditional accounts cap you around $70K and that is not moving the needle, you may have outgrown conventional solutions.

It depends entirely on your business model, income, and census. In the right scenario, contributions can reach $265K or more while maintaining full deductibility. Our initial assessment shows your estimated contribution capacity before you commit to anything.

Tax inefficiency compounds silently. As an illustration from our analysis: a $400K earner contributing $69K to a SEP-IRA instead of deferring $265K with a strategic plan may pay approximately $73K more in annual federal taxes — money that could have been compounding for decades.

Yes. These are IRS-compliant retirement structures. The complexity is in the actuarial work and the annual requirements — which is exactly what our team manages for you.

Simple on your side, detailed on ours. You share financials and objectives; we handle actuarial calculations, plan documents, setup, and every annual filing. You are not chasing compliance forms or deadlines.

Yes. You see projected contributions, tax savings, and costs during strategy development — before you commit. No surprises.

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Clarity, confidence, and compliance.

Book a confidential consultation and we'll map out your next steps together.

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