Strategic Solutions
for Complex Plans.
Whether you're a business owner seeking maximum tax efficiency or a TPA firm needing elite actuarial support, we provide the precision you require.
Wealth Preservation & Tax Engineering
We design and administer high-performance retirement plans that allow you to contribute significantly more than traditional 401(k) limits.
Cash Balance Plan Design
Custom-engineered plans that allow for contributions of $100k-$300k+ annually depending on your age and income.
401(k) Combo Optimization
Integrating a 401(k) with a Cash Balance plan to maximize owner contributions while controlling staff costs.
Full Administration
End-to-end management of your plan, from initial design to annual valuations and IRS filings.
Elite Actuarial "Hired Gun" Support
We act as your backend actuarial department, providing white-label certifications and complex plan design for your high-net-worth clients.
Schedule SB & AFTAP
Expert preparation of actuarial certifications, ensuring 100% accuracy and compliance with IRS standards.
Plan Design Consulting
Assisting your team with complex case design, non-discrimination testing, and cross-testing optimization.
Fiduciary Support
Acting as the Enrolled Actuary of record, providing the necessary signatures and oversight for your plans.
Our Process
A disciplined approach to actuarial design ensures your plan is built to last.
Discovery
We analyze your financial goals, business structure, and tax situation.
Engineering
Our actuaries model multiple scenarios to find the optimal plan design.
Implementation
We coordinate with your advisors to launch and fund the plan seamlessly.
Compliance
Annual valuations and certifications keep your plan in perfect standing.
Ready to Design Your Optimal Plan?
Schedule a consultation with our actuarial team today and see the Kongruent difference.