Client Information
S-Corp reasonable compensation
Federal + state combined
Years to Retirement
13
Max Annual Contribution
$297k
Annual Tax Savings
$110k
Projected at Retirement
$5.2M
Plan Comparison
| Feature | SEP-IRA | Solo 401(k) | 401(k) + Cash Balance |
|---|
Future Value Projections
📈 The Power of Tax-Deferred Compounding: Every dollar you contribute grows tax-free until withdrawal. At a 7% return, money doubles approximately every 10 years.
Projected Portfolio Value Over Time
SEP-IRA
Solo 401(k)
401(k) + Cash Balance
Year-by-Year Growth Projection
| Age | Year | SEP-IRA | Solo 401(k) | 401(k) + Cash Balance | Combo Advantage |
|---|
Growth Beyond Retirement
🎯 Keep Growing: You don't have to withdraw everything at retirement. Required Minimum Distributions (RMDs) start at age 73, but the rest continues to compound tax-deferred.
| Age | Milestone | SEP-IRA | Solo 401(k) | 401(k) + Cash Balance |
|---|