Flagship Proposal — Full Contribution & Tax Analysis (Educational)
This flagship example (fictional data) demonstrates a QACA + Profit Sharing + Cash Balance design, with detailed contribution and tax analysis. Not tax or legal advice.
Summary
- Total CB + 401(k): $653,359
- Owners: $578,193 (≈88.5%)
- Employees: $75,166 (≈11.5%)
Illustrative Tax Summary (includes staff & est. payroll tax)
| Bracket | Savings | Net After Staff & Payroll Tax |
|---|---|---|
| 24% | $156,806 | $61,646 |
| 32% | $209,075 | $113,915 |
| 35% | $228,676 | $133,516 |
| 37% | $241,743 | $146,583 |
Assumes employer staff contributions of $75,166 and estimated additional payroll taxes of $19,994, included in net calculations. Educational only.
Download Flagship Proposal (PDF)
What’s behind the numbers
- Design levers: per-class pay credits; fixed or Treasury-linked crediting
- Combo testing: safe harbor, gateway, cross-testing documented
- Funding policy: min/target/max corridor for cash-flow management
Next step: Book a 15-minute Fit Check ·
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