✅401k; retirement planning; tax strategies for business owners.

Matt Ruthenberg shows how business founders can leverage a custom retirement plan stack to save six figures in taxes, build real wealth and set themselves up for an early retirement.

Most founders underuse 401k plans. Matt breaks down the 401k tax code, as well as concepts around profit sharing; cash balance defined benefit plans; and the “retirement plan stack” so owners maximize contributions while staying compliant.

We cover 401k vs Roth; mega backdoor Roth; self-directed options for real estate with non-recourse loans; state auto-IRA mandates; S-Corp salary rules; LTIPs for key employees; and how to flex the plan when profits swing. Embrace the mindset shift that equips you to be the CEO of your wealth, not just your company.

00:00 – Introduction to 401k strategies
01:41 – Matt’s journey in financial strategy
03:35 – Understanding the 401k tax code
05:39 – Comparing 401k and Roth IRA
09:34 – Designing a retirement plan stack
11:32 – Maximizing savings for founders
15:41 – Employer-focused retirement plans
19:38 – Common mistakes by business owners
21:34 – State mandates and 401k requirements
23:40 – Investing in real estate with a 401k
25:32 – Self-directing your 401k; compliance
28:00 – DIY plans vs hiring a team
30:47 – Why customization matters
32:36 – Tax implications; strategy pairing
34:20 – Real-life success stories
38:36 – Depreciation; deferred tax questions
40:52 – 401k moves when preparing to sell
43:38 – Mindset shifts for entrepreneurs
46:39 – Balancing business and personal
48:49 – Key takeaways for business owners