Your highest-earning clients are already maxing out their 401(k) and still writing a large check to the IRS every April. A defined benefit plan can let them shelter $100,000–$300,000+ per year — and Envero Life connects you with the plan design, funding, and administration partners to make it happen, alongside you.
Trusted by CPAs, attorneys, and business owners nationwide
Not tax, legal, or investment advice. Plan suitability and contribution limits depend on each client's specific facts and are subject to IRS rules and annual actuarial certification.
Working with experienced actuaries and retirement plan specialists
Tell us about your firm and we'll reach out within one business day.
Every tax season you see clients with six- and seven-figure taxable income and no good place left to defer it. A defined benefit plan is often the single largest lever left on the table.
Flag a client who's maxing out other retirement options and still facing a large tax bill.
Envero Life prepares a no-cost illustration showing potential contribution and deduction levels.
We coordinate actuarial design, carrier selection, and funding — you stay looped in throughout.
We handle annual administration and compliance, and keep you informed as the advisor of record.
Hypothetical scenarios illustrating how contribution levels scale with age, income, and business type.
Hypothetical examples for illustrative purposes only, not actual client results or a guarantee of outcomes. Individual results vary based on age, income, business structure, and annual actuarial certification.
Owner(s) or partners age 45+, ideally with consistent, stable business income
Profitable, closely held business — law firms, medical/dental practices, consulting firms, or family-owned companies
Already contributing the maximum to a 401(k), profit-sharing, or SEP plan
Few owners or highly compensated employees relative to total headcount
Looking to catch up on retirement savings within a 5–15 year horizon
Comfortable committing to a recurring, actuarially-determined annual contribution
No. A defined benefit plan is typically layered on top of an existing 401(k)/profit-sharing plan, allowing significantly higher combined contribution limits than either plan alone.
No. You remain the client's advisor of record. Envero Life coordinates plan design, funding, and administration through our plan provider partners, alongside you, not in place of you.
No. There is no cost to you or your firm to introduce a client for a no-obligation illustration.
Structured compensation may be available where permitted by applicable state insurance and securities law. We'll walk through what applies to your specific licensing during our first call.
We work with defined benefit and cash balance plans, including plans funded in whole or in part with life insurance or annuities, depending on what best fits the client's goals and cash flow.
Send us the basics and we'll prepare a no-cost illustration you can bring back to them.
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