Maximizing Tax-Deferred
Retirement Savings for Small Business Owners

Specialized actuarial expertise to design, implement, and administer retirement plans that work harder for business owners.

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40+
Years Combined Experience
$100K+
Annual Tax-Deferred Potential
Who We Are

Retirement planning
built around you

AK Consulting brings together retirement actuaries with a collective 40+ years of experience, dedicated exclusively to helping small business owners design and manage tax-efficient retirement plans.

We specialize in combining cash balance pension plans and 401(k) profit-sharing plans to dramatically increase the tax-deferred retirement savings available to you - well beyond what a 401(k) alone can achieve.

Professional meeting
What We Do

Integrated solutions for
every retirement need

01

Retirement Plan Design

Customized plans built from a thorough analysis of your financial and workforce data to meet both regulatory requirements and your financial goals.

02

Cash Balance Plans

Allow significantly higher tax-deferred contributions—often over $100,000 annually—while substantially reducing your current taxable income.

03

401(k) & Profit Sharing

Whether focused on retention, tax savings, or maximizing owner contributions, we design plans tailored to your specific business objectives.

04

Combo Plans

Combine cash balance and defined contribution plans to maximize retirement savings for owners and highly compensated employees.

05

Nondiscrimination Testing

Ensuring your plans meet all IRS regulatory requirements and maintain their qualified status and full tax benefits.

06

Outsourced Actuarial Support for TPAs

We support Third Party Administrators who do not have actuaries on staff, partnering on client consultations or providing purely back-office support in whatever manner our TPA partners prefer.

Our Story

Consultative. Professional.
Client-First.

We are retirement actuaries who bring a collective 40+ years of experience to help small businesses design and manage tax-efficient retirement plans, focused on optimizing tax-deductible retirement savings for business owners.

We specialize in designing cash balance pension plans in combination with 401(k) and profit-sharing plans, helping business owners achieve greater tax-deferred retirement savings over what 401(k) plans alone can achieve.

We tailor solutions to our clients' unique business objectives, and pride ourselves on being responsive, timely, and always making our clients feel like a priority—because they are.

Professionals working with finances

Consultative

We start with understanding your goals and explaining your options before recommending any plan strategy.

Professional

Decades of actuarial expertise delivered with clarity, precision, and accountability.

Responsive

We answer quickly and keep you informed. You will never wonder where things stand.

Client-First

Every decision we make is guided by what is truly best for your long-term financial outcomes.

What We Offer

Comprehensive Retirement
Plan Services

From initial plan design through ongoing administration, we provide end-to-end actuarial and consulting services tailored specifically for small business owners.

01

Retirement Plan Design

Through a thorough analysis of a business's financial and workforce data, we work with business owners to create customized retirement plans that best meet both regulatory requirements and the owner's financial goals.

02

Cash Balance Plans

A cash balance plan is a powerful tool for small business owners because it allows for significantly higher tax-deferred contributions than a 401(k) alone—often over $100,000 annually—while reducing current taxable income.

03

Defined Benefit Plans

From Traditional Pension Plans to Pension Equity Plans to Cash Balance Plans; each plan type offers unique advantages depending on the employer's goals, workforce demographics, and desired funding flexibility.

04

Combo Plans

A combo retirement plan combines two different plan types—typically a cash balance plan and a defined contribution plan—to maximize retirement savings, especially for small business owners or highly compensated employees.

05

401(k) Plans

Whether focused on employee attraction and retention, tax savings, or maximizing owner contributions, we will work with you to design a 401(k) plan tailored to your business objectives.

06

Profit Sharing Plans

A profit-sharing plan allows a company to share its profits by making discretionary contributions to employee retirement accounts. When combined with 401(k) and cash balance plans, owners maximize contributions while still benefiting employees.

07

Nondiscrimination Testing

We ensure your plans meet all regulatory and nondiscrimination testing requirements through a robust annual testing process, maintaining the plans' qualified status and full tax benefits as required by the IRS.

08

Outsourced Actuarial Support for TPAs

We support Third Party Administrators who do not have actuaries on staff. From partnering on client consultations to purely back-office support, we work with our TPA partners in whatever manner they prefer.

09

Ad Hoc Consulting

Whether in need of Form 5500 filing support or an independent review of ERISA valuations, we provide customized ad hoc administration and consulting support whenever and however you need it.

10

Retirement Plan Administration

We perform all aspects of retirement plan administration—maintaining records, processing distributions, providing annual benefit statements—to ensure your plans run smoothly and comply with IRS and Department of Labor rules.

Ready to get started?

Let's find the right retirement plan for your business

Reach Out

Let's Start a
Conversation

Get in Touch

We'd love to
hear from you

We're here to discuss your objectives and answer your questions about optimal retirement plan solutions for your business.

Send a Message

We typically respond within one business day.