Beyond Standard Retirement Plans
At Mirador, we know that advanced plan design is about crafting a custom solution that balances tax efficiency, wealth accumulation, and compliance—all while ensuring that your plan evolves with your goals and business.
As a business owner, you need solutions that align with your income cycles, growth goals, and long-term financial strategies.
A Collaborative Process
Retirement plan design isn’t a set-it-and-forget-it process. We work directly with your financial team—your CPA, investment advisor, and legal counsel—to ensure your plan integrates seamlessly into your broader financial strategy.
Effective retirement planning isn’t just about saving the most money—it’s about saving the smart way.
A well-structured plan provides:
Tax efficiency – Reduce taxable income today while building wealth for the future.
Retirement security – Create a predictable income stream that supports post-career financial goals.
Business flexibility – Ensure contributions align with financial performance, rather than creating unnecessary burdens.
Smart Strategies from a Team That Cares About Your Future
Custom Plan Design that:
- Maximizes owner contributions while keeping employee costs efficient.
- Combines 401k and Cash Balance plans for greater tax savings.
- Adapts to business cycles, allowing for flexible funding strategies.
A combined DB + 401(k) structure allows business owners to contribute well beyond standard limits while remaining compliant with IRS rules.
“A business owner with consistently high income needs different plan options from one whose income is lower or varies dramatically year to year. Advanced plan design opens up some higher contribution opportunities, and keeps you on the good side of the IRS.”
– Mike Bourne