Four levers working together: Defined Benefit Plan, 831(b), SERP, and EPIG 500 compounding. A fiduciary-minded, performance-aligned advisory program built for small business owners who want structure, not guesswork.
Up to $300K+ annual tax-deductible retirement contributions (illustrative, actuary-determined)
Build tax-efficient reserves and retention architecture while reducing risk
Deploy saved capital into a risk-managed growth sleeve designed for long-term wealth
Compliance-first. Eligibility-dependent. Coordinated with your CPA and attorney.
Small percentage of value created, locked for 10 years. Your success = our success.
No hidden fees. Third-party costs (actuary, TPA, legal) disclosed upfront.
Structured implementation, quarterly reviews, measurable KPIs.
EPIG 500 sits at the center—supercharging each lever with compounding growth. Three levers create the fuel (tax savings, reserves, retention); EPIG 500 multiplies the impact.
The Compounding Engine
Risk-managed S&P 500 strategy with systematic downside protection—turning saved capital into compounding wealth.
Create Fuel: DB contributions, 831(b) reserves, SERP retention—generate tax savings & freed capital
Deploy to EPIG 500: Redeploy saved capital into risk-managed compounding
Multiply Impact: 10-year view with tax savings multiplier (see Master Dashboard)
A Defined Benefit (DB) Plan allows high-earning business owners to make tax-deductible retirement contributions far beyond 401(k) limits—often $100K to $300K+ annually, depending on age, income, and plan design. All contributions are determined by a licensed actuary and Third-Party Administrator (TPA).
A DB Plan is an IRS-approved retirement vehicle that lets you make larger tax-deductible contributions than traditional 401(k)s or SEP IRAs. Contribution amounts are actuarially determined based on age, income, years to retirement, and plan design.
For profitable business owners, a DB Plan can reduce taxable income by $100K-$300K+ per year while building a substantial retirement nest egg. The tax savings alone can fund a significant portion of the contribution cost.
Ideal candidates: Age 45+, consistent high income ($300K+ SDE), stable cash flow, 5+ years to retirement, willing to commit to annual funding, want maximum tax-deductible retirement savings.
Important: All contribution amounts are illustrative and must be determined by a licensed actuary/TPA. This calculator provides directional estimates only.
Compliance Reminder: DB Plan contributions are determined by a licensed actuary based on actuarial assumptions, age, income, plan design, and IRS rules. This calculator provides directional estimates only and is not a substitute for professional actuarial analysis.
An 831(b) microcaptive insurance company allows you to pay deductible premiums (up to $2.8M annually if eligible) into your own insurance entity, where reserves grow tax-deferred. Critical: This structure requires proper risk distribution, underwriting, and documentation—it's not for everyone.
An 831(b) captive is a small insurance company you own that provides coverage for your business's unique risks. Premiums paid to the captive may be tax-deductible (if properly structured), and reserves grow tax-deferred inside the captive.
For businesses facing significant operational risks (e.g., malpractice, liability, key-person loss), an 831(b) converts insurance costs into a wealth-building reserve pool while maintaining actual risk coverage. The tax efficiency can be substantial if designed correctly.
Ideal candidates: $500K+ SDE, identifiable insurable risks, willingness to maintain proper documentation, long-term time horizon (5+ years), comfort with regulatory compliance, need for business continuity reserves.
Important: 831(b) structures require risk analysis, proper underwriting, and legal documentation. Tax treatment depends on compliance with IRS rules. This calculator provides illustrative projections only.
Compliance Reminder: An 831(b) captive requires risk distribution, proper underwriting, arm's-length transactions, and comprehensive documentation. Tax treatment depends on IRS compliance. Not all businesses qualify. This calculator is illustrative only—consult legal and tax advisors before proceeding.
A SERP is a vesting-based retirement benefit for key employees—"golden handcuffs" that reduce departure risk while building long-term loyalty. Powerful Addition: When funded with permanent life insurance, you can borrow against the policy's cash value at a fixed rate and deploy that capital into EPIG 500 for compounding growth. Result: Double benefit—retention + leveraged wealth building.
A SERP is a non-qualified deferred compensation plan that promises key employees a future retirement benefit, typically vesting over 5-10 years. When funded with permanent life insurance, the policy builds cash value that can be borrowed against at a fixed rate (typically 5-6%).
Benefit #1 (Retention): Losing a key employee costs 3-5X their salary. A SERP creates golden handcuffs that reduce turnover risk.
Benefit #2 (Leverage): Borrow against policy cash value at a fixed rate and deploy into EPIG 500 for higher returns. The spread between loan rate (5-6%) and EPIG returns (8-12%) creates leveraged compounding.
Ideal candidates: Key employees critical to operations, high replacement costs, 5+ year time horizon, businesses with strong cash flow. Leverage strategy works best when: EPIG returns exceed policy loan rate by 2-5%, business owner comfortable with leverage, 10+ year time horizon for compounding.
Important: SERP design and tax treatment vary by structure. Consult legal and tax advisors. This calculator provides illustrative ROI projections based on retention economics.
Compliance Reminder: SERPs are non-qualified deferred compensation plans subject to IRC §409A and other rules. Design, funding, and tax treatment vary significantly. Policy Loan Leverage: Borrowing against life insurance cash value involves risks—loan interest accumulates, and if not repaid, can reduce death benefit or cause policy lapse. EPIG 500 returns are not guaranteed and may be negative. The spread between loan rate and investment returns is illustrative only. Consult legal, tax, and financial advisors before implementing.
A rule-based S&P 500 strategy with systematic downside protection. Deploy freed cash flow (from tax savings + reserves) into a risk-managed growth strategy designed for long-term wealth building.
EPIG = Enduring Principal-Protected Income & Growth
A proprietary rule-based investment strategy that tracks the S&P 500 during up markets while implementing systematic downside protection during corrections. Designed to outperform over full market cycles (bull + bear combined).
Note: Past performance is not indicative of future results. All figures are backtested and hypothetical.
Important: EPIG 500 is currently in soft launch phase for educational purposes and interest validation. All performance figures (16.1% CAGR, +2.6% alpha, 0% downside capture) are backtested results based on historical data from 2000-2026. Actual live performance may differ significantly. Suitability assessment required.
Explore the full EPIG 500 strategy, backtested performance, methodology, and how it fits into your retirement acceleration plan.
Visit EPIG 500 Landing PageLearn about the rule-based S&P 500 strategy with systematic downside protection
The Master Dashboard below shows the full 10-year picture: DB Plan + 831(b) + SERP + EPIG 500 compounding, with a "Tax Savings Multiplier" that illustrates how $1 saved can turn into $4-6 of net value created.
Go to Master DashboardThis dashboard combines all four levers (DB Plan, 831(b), SERP, EPIG 500) into a single 10-year projection. See the compounding effect of tax-optimized structures + disciplined capital deployment. Default preset: Dental practice owner.
Important: This dashboard uses illustrative defaults for a dental practice owner. All projections are estimates and depend on eligibility, compliance, plan design, and market performance. Not a guarantee of results.
Shows Low/Base/High scenarios based on your inputs
See how $1 of tax saved compounds into long-term value
Short application. If we're a fit, you'll get an invite to a strategy session.
Compliance Reminder: All projections are illustrative and depend on eligibility, plan design, compliance with IRS/DOL rules, market performance, and individual circumstances. This is not a guarantee of results. Consult licensed professionals (CPA, attorney, actuary) before implementing any strategy.
A structured 12-month rollout with quarterly milestones and clear deliverables. From discovery to optimization, here's your year-one roadmap.
Foundation & Planning
Complete analysis of SDE, cash flow, tax returns, and entity structure
Identify insurable risks, key-person dependencies, and confirm DB/831(b)/SERP fit
Document current tax rate, retirement savings, reserves, and retention metrics
Kick-off call with your CPA and attorney to align on implementation plan
Legal Structures & Implementation
Engage actuary/TPA, finalize plan document, establish contribution schedule
Entity setup, risk analysis, underwriting, documentation, premium structure (if applicable)
Vesting schedule, funding mechanism, legal documents, employee communication (if applicable)
Deploy initial capital, establish custodial accounts, set risk parameters
Progress check, address blockers, refine strategy as needed
Full Deployment & Tracking
Fund retirement accounts, track tax deductions, coordinate with payroll
Pay premiums, monitor reserve accumulation, track claims (if any)
Execute vesting schedule, communicate benefits to key employees
Track EPIG 500 performance, rebalance as needed, adjust risk exposure
KPI tracking, identify optimization opportunities, adjust tactics
Review, Refine & Scale
Maximize deductions, coordinate with CPA for tax filing, document all contributions
Measure tax savings, retirement contributions, reserves, retention metrics, exit readiness
Adjust DB contributions, 831(b) premiums, SERP funding based on Year 1 performance
Evaluate business improvements, valuation trajectory, transferability
Set Year 2 targets, lock in optimization opportunities, update roadmap
Ongoing support and transparent tracking throughout your first year and beyond.
Structured strategy sessions every 90 days to track KPIs, adjust tactics, and optimize for the next quarter.
Year-end summary with tax savings, contributions, reserves, retention metrics, and exit readiness score.
Direct access to advisors for urgent questions, strategy pivots, or coordination with your CPA/attorney team.
This program is designed for a specific profile of small business owner. If you don't fit the criteria, we're not the right partner—and that's perfectly fine.
Profitable business with consistent cash flow
Paying 35%+ effective tax rate, want to redirect to wealth
Age 45+, 5-10 years to exit, maximize retirement contributions
Established (3+ years), predictable revenue, strong fundamentals
Critical employees; losing them would hurt operations
Willing to work with CPAs/attorneys, maintain documentation
10+ year wealth-building horizon, exit readiness mindset
Want comprehensive program, not piecemeal advice
Startup or unpredictable cash flow—need growth capital first
Under $300K profit—strategies likely not cost-effective
Selling in 1-2 years—not enough runway to compound
Self-implement without professionals—high compliance risk
Need promised returns or guaranteed outcomes—not realistic
Unwilling to work with CPAs/attorneys—compliance non-negotiable
Not willing to invest in proper design—cheap creates audit risk
Highly variable cash flow—hard to commit to annual funding
This isn't generic advice. It's a structured, compliance-first program built on decades of expertise—coordinated with your CPA and attorney.
15+ years advising high-net-worth business owners on tax optimization, retirement planning, and wealth preservation. This program distills that experience into a repeatable system.
We don't replace your CPA or attorney—we coordinate with them. Every strategy is reviewed for compliance, tax treatment, and legal structure before implementation.
Quarterly reviews + annual documentation. You'll see exactly what you've saved, contributed, and built—with clear KPIs and measurable progress.
This is a soft launch. We're building the Founding Member cohort right now. You won't see fabricated reviews or inflated claims. What you will get: a structured program, transparent pricing, and a performance commitment focused on execution.
Clear answers to practical questions about the Retirement Supercharger program, Founding Member terms, and what to expect.
No, this is not tax advice. We provide strategic guidance and coordination—your CPA provides the tax advice and files your returns. We work with your CPA to ensure proper implementation and compliance. You absolutely need your CPA involved.
DB Plans work best for business owners who are: age 45+, earning $300K+ SDE, have consistent cash flow, want to make large tax-deductible retirement contributions, and have 5+ years to retirement. An actuary determines exact eligibility and contribution limits.
That's fine. Not everyone needs all three. We'll assess your situation and recommend the strategies that fit. Many Founding Members start with DB Plan + EPIG 500, then add 831(b) or SERP later as the business grows.
No. All calculator results are illustrative projections based on assumptions. Actual outcomes depend on eligibility, compliance, plan design, market performance, and individual circumstances. Investment returns are not guaranteed.
We don't publish a standard fee because every situation is different. During your strategy session, we'll provide a transparent quote based on your specific needs. What we commit to: Founding Members pay a small percentage of value created (not AUM), locked for 10 years (Good Standing). This aligns our incentives with your outcomes. Third-party costs (actuary, TPA, legal, admin) are disclosed upfront and billed separately.
Good Standing means: (1) Timely payment of advisory fees, (2) Participation in quarterly reviews, (3) Timely provision of documentation, (4) Compliance with plan design and legal requirements. If you meet these conditions, your performance-based ECA fee stays locked for 10 years—no rate increases.
EPIG 500 is a risk-managed compounding strategy that deploys freed cash flow (from tax savings + reserves) into diversified investments. Illustrative return scenarios: Conservative 5%, Base 8%, Strong 12%. Important: These are not guarantees. Actual returns depend on market conditions and are subject to investment risk.
Formula: Tax Savings Multiplier = (Future Value of Invested Portion + Reserves + Exit Uplift − Net Costs) ÷ Cumulative Tax Saved. It shows how $1 of tax saved compounds into net value over 10 years when strategies are coordinated properly. Typical range for Founding Members: $1 saved → $4-6 created.
DB Plans and 831(b) structures are portable—you can maintain them post-exit if structured correctly. SERP vesting schedules are designed around typical exit timelines. We'll help you navigate the transition and preserve the wealth you've built.
We're limiting the Founding Member cohort to ensure we can deliver priority implementation and high-touch service. Limited seats available. Applications are reviewed on a first-come, first-served basis. When the cohort is full, enrollment closes.
Schedule a 30-minute strategy session to discuss your situation, confirm eligibility, and explore how the Retirement Supercharger can accelerate your outcomes.
Soft launch closes when the Founding Member cohort is full. We're limiting enrollment to ensure we can deliver priority implementation and high-touch service. Reach out today to lock Founding Member terms.
The content on this page is for educational and informational purposes only and does not constitute tax, legal, investment, or financial advice. You should consult with your own CPA, attorney, and financial advisors before implementing any strategy.
All investments involve risk, including the loss of principal. Past performance does not guarantee future results. The EPIG 500 return scenarios (5%, 8%, 12%) are illustrative only and not promises or forecasts. Actual returns will vary based on market conditions and individual circumstances.
Defined Benefit Plan contributions are determined by a licensed actuary based on age, income, actuarial assumptions, and IRS rules. This website provides directional estimates only and is not a substitute for professional actuarial analysis. DB Plans require ongoing administration by a Third-Party Administrator (TPA).
An 831(b) microcaptive insurance company requires proper risk distribution, arm's-length underwriting, comprehensive documentation, and compliance with IRS regulations. Not all businesses qualify. Tax treatment depends on proper structure and compliance. Consult legal and tax advisors before forming an 831(b).
SERPs are non-qualified deferred compensation plans subject to IRC §409A and other rules. Design, funding mechanisms, and tax treatment vary significantly. Consult legal and tax advisors before implementing a SERP. This website provides illustrative retention economics only.
The Founding Member "Performance Commitment" is a commitment to execution speed, quarterly optimization, and measurable progress on KPIs—not a guarantee of investment returns or financial outcomes. Results depend on eligibility, compliance, plan design, market performance, and individual circumstances.
Nothing on this website constitutes a promise or guarantee of specific tax savings, investment returns, retirement accumulation, or business outcomes. All projections are illustrative and depend on assumptions that may not be realized. Individual results will vary.
Ekantik Capital Advisors does not provide actuarial, legal, or tax preparation services. Third-party costs (actuary, TPA, attorney, CPA, admin) are disclosed upfront and billed separately. The Founding Member 10-Year Fee Lock applies only to ECA advisory fees—not third-party costs.