The Power of Cross-Testing

Stop thinking in percentages. Start thinking in benefits.

Most owners avoid high-powered retirement plans because they think they have to give every employee the same percentage they give themselves. That 'Equal Percentage' trap is why most plans stay small.

The Sound Strategy:

Cross-Testing: Use 'New Comparability' to test benefits at age 65, not just dollars today.
The Math of Time: Younger employees need fewer dollars today to reach a large benefit later.
The Result: You can legally maximize your own contributions while keeping staff costs manageable.

Precision architecture beats blunt percentages every time.

Watch the full podcast episode for more details: https://youtu.be/5l3d7AHLKdw

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DISCLAIMER: This content is for educational purposes only and should not be considered personalized financial advice. Always consult with a qualified financial professional before making financial decisions.

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