⚠️ 2026 Alert: The mandatory Roth catch-up rule is now in effect. If your self-employed clients have W-2 wages over $150,000 and are age 50+, their catch-up contributions may be blocked. Are their plans compliant?

For CPAs & Financial Advisors

Your Clients Have a Tax Problem.
You Need an Expert,
Not Another Vendor.

Solo401kArchitect delivers custom retirement plan design, actuarial illustrations, and ERISA expertise for your highest-value self-employed clients — so you look exceptional without becoming a plan expert yourself.

Schedule a 20-Min Partner Call See How It Works ↓
CPA Partner Testimonial
"I have referred several business owner clients to Damon for Solo 401(k) and Cash Balance plan design, and he consistently delivers. His illustrations are precise, strategic, and grounded in real tax outcomes. His annual service and ongoing support make him a trusted resource for both CPAs and our shared clients."
Steve M.  ·  CPA
The Gap in Your Practice

Three Things Costing Your
Self-Employed Clients Right Now.

Most of your highest-earning self-employed clients have these problems. Most don't know it yet.

01
The Roth Catch-Up Trap
Beginning in 2026, clients with W-2 wages over $150,000 must make catch-up contributions on a Roth basis. Most brokerage Solo 401(k) plans can't comply — they'll block the catch-up entirely. That's up to $11,250 per year, per client, in blocked contributions.
02
The Plan Was Never Designed
A brokerage opened the plan in 10 minutes. Nobody told your client what provisions were missing — no Roth option, no profit sharing, no super catch-up eligibility. The plan is technically open, but it was never designed to maximize what's available.
03
The Missing Deduction
Clients earning $250,000+ are often leaving $100,000–$300,000 in legal deductions on the table every year by not combining a Solo 401(k) with a Cash Balance plan. At a 37% combined rate, that's a six-figure tax bill you could help them avoid.
The Referral Process

Clean. Simple. Professional.

Here is exactly what happens when you send a client to Solo401kArchitect.

01
YOU MAKE THE INTRODUCTION
A quick email or a note to your client: "I work with a retirement plan architect who specializes in Solo 401(k) and Cash Balance design. I'd like you to speak with him before your next tax filing." That's the whole referral. No lengthy prep required.
02
FREE 30-MINUTE DISCOVERY CALL
Damon speaks with your client directly. He reviews their income, entity structure, age, and existing plan (if any), and determines what strategies are available. You're welcome to be on this call — or not. Either works.
03
ILLUSTRATION DELIVERED IN 48 HOURS
If the client engages, a full contribution illustration is delivered within 48 hours — showing maximum contribution amounts, tax savings at their rate, and side-by-side comparison of their current situation vs. an optimized plan. Your client also receives a CPA-Ready Tax Summary formatted specifically for your workpapers.
04
YOU GET THE CREDIT
The client stays with you. Their assets stay at their custodian or yours. You brought them this strategy — that's what they remember. Solo401kArchitect operates in the background as your plan design resource. No AUM disruption. No relationship friction.
What Every Engagement Delivers

Built to Make You
Look Exceptional.

Every client engagement includes the following. You receive copies of everything.

📐
Official Contribution Illustration
Maximum contribution amounts for the current tax year, calculated with actuarial precision by our partners at July Business Services. Not an estimate — a professional illustration you can present to clients and hand to their CPA.
📋
Plan Specification Document
A written summary of every provision the plan should include — Roth options, profit sharing structures, loan provisions, entry dates, super catch-up eligibility. Formatted for the custodian or TPA to execute correctly.
📊
CPA-Ready Tax Savings Summary
A one-page summary formatted specifically for your workpapers. Contribution amounts, deduction value, comparative tax savings. Your client walks into their next tax meeting with everything you need already prepared.
🏛️
Cash Balance Feasibility Analysis
For clients at or approaching the income level where a Cash Balance plan makes sense, a full combo analysis showing the combined deduction potential of both plans. This is typically where the largest AUM opportunities are identified.
⚠️ The 2026 Issue You Should Be Aware Of
The mandatory Roth catch-up rule affects participants in 401(k), 403(b), and governmental 457(b) plans whose prior-year FICA wages exceeded the indexed threshold — approximately $150,000 in 2025. If the plan doesn't allow Roth contributions, the participant simply loses the ability to make catch-up contributions at all. Solo401kArchitect audits existing plans for this exposure and can recommend corrections before year-end. If you have self-employed clients age 50 or older with significant W-2 income, this is worth a conversation now.
What This Looks Like in Practice

Real Numbers.
Real Tax Savings.

$420,000
Taxable income reduced
Husband and wife earning over $500,000. Combined Solo 401(k) and Cash Balance strategy designed in a single engagement.
$113,864
First-year tax savings
Age 55 business owner earning $263,659. Total plan contribution of $315,659. Tax savings calculated at a 40% combined rate.
$83,250
2026 Solo 401(k) max
Maximum combined contribution available to owners age 60–63 in 2026. Most business owners — and their CPAs — don't know this number exists.
What CPAs Say

Trusted by CPAs.
Relied on by Their Clients.

"A husband and wife earning over $500,000 came to me with a significant tax burden. Damon designed a strategy that reduced their taxable income by more than $420,000. My clients were stunned. His illustrations are precise, strategic, and grounded in real outcomes. I refer him with complete confidence."
Donna R.
CPA
How This Partnership Works

We Work With You,
Not Around You.

YOUR CLIENT RELATIONSHIP IS PROTECTED
Solo401kArchitect never solicits your clients directly, never positions itself as a financial advisor, and never manages assets. We are a plan design resource — the technical layer behind you.
ASSETS STAY WHERE THEY ARE
Client assets remain at their current custodian — whether that's Schwab, Fidelity, your firm's custodian, or anywhere else. If you're an FA, AUM stays under your management. We are custodian-agnostic by design.
YOU RECEIVE COPIES OF EVERYTHING
Every illustration, plan specification, and CPA-ready summary is provided to you as well as the client. You are never out of the loop on what was designed or recommended.
CASH BALANCE FLAGS GO TO YOU FIRST
When a client reaches the income level where a Cash Balance plan makes sense, we flag it to you before discussing it with the client. You decide whether and how to bring it up. More AUM in your hands is the goal.
NO REFERRAL FEES, NO CONFLICTS
Solo401kArchitect does not pay or receive referral fees. The relationship is a clean professional partnership. We make you look exceptional; your clients stay loyal to you.
"We work best as a quiet partner in the background — handling plan design and compliance strategy while you manage the relationship and the investments. Your client wins. You win. Everyone wins."
Damon Harper  ·  Solo401kArchitect.com
Referral Partnership Includes
✓ 48-hour illustration turnaround
✓ CPA-ready summaries formatted for your workpapers
✓ Annual IRS rule change alerts for your practice
✓ Lunch & Learn sessions available (CE-eligible)
✓ Direct access to Damon by phone or email

Ready to Start
Sending Clients?

A 20-minute call is all it takes to understand how this works for your practice and your clients. No commitment required.

For CPAs
20-Minute CPA & Advisor Partnership Call
A quick conversation about your client base and how Solo401kArchitect can serve your highest-value self-employed clients. Referral partnerships welcome.
Schedule Partner Call →
Specific Client Situation
Send Me a Client Overview
Have a client in mind right now? Email a brief summary — income range, age, entity type, existing plan if any — and Damon will respond within one business day with a preliminary assessment.
Email Damon Directly →