Actuarial consultant reviewing a Cash Balance Plan design for a business owner in Exeter, NH
    Expert Actuarial Consulting

    Actuarial Consulting in Exeter, NH

    DesigningRetirement
    Strategies With
    Precision

    Specialized actuarial design for high-income business owners and "hired gun" support for TPA firms. Turn complex regulations into your competitive advantage.

    15+
    Years Exp
    $500M+
    Assets
    100%
    Compliance
    Tax Optimization Tool

    Estimate Your Potential

    Owner Age

    45Years Old

    Defined Benefit

    $200,000

    401(k) + PS

    $69,000

    Total Contribution

    $269,000

    Est. Tax Savings

    $107,600

    Assumes 40% combined tax rate

    Trusted Actuarial Partners Nationwide

    PENSION-ONE
    EMPARION
    CORVUS
    DBZ INC
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    Double-Fold Expertise

    Bridging the gap between complex actuarial science and practical retirement solutions.

    Business owner meeting with a Kongruent actuary to discuss retirement plan tax savings in Portsmouth, NH

    Direct to Business Owners

    Custom-tailored retirement strategies designed to maximize tax deductions and build long-term wealth.

    • Custom Cash Balance Plan Design
    • 401(k) Combo Optimization
    • Strategic Tax Planning
    • Full Plan Administration
    Actuary preparing Schedule SB and AFTAP certification paperwork for a TPA firm client in Manchester, NH

    Hired Gun for TPAs

    Elite actuarial support for TPA firms. We handle the heavy lifting so you can focus on client relationships.

    • White-Label Actuarial Valuations
    • AFTAP Certifications
    • Schedule SB Preparation
    • Expert Case Design Support

    Why High-Net-Worth Owners Choose Kongruent

    Retirement planning isn't just about saving; it's about strategic wealth preservation. We specialize in the most powerful tax-saving vehicle available to business owners today.

    Precision Engineering

    Our actuarial models are built for maximum contribution within strict legal limits.

    Seamless Integration

    We coordinate with your CPAs and Financial Advisors for a unified strategy.

    Nationwide Expertise

    Licensed and experienced in handling complex plans across all 50 states.

    Retirement plan consultation session with a Kongruent actuary serving Nashua, NH business owners

    "Kongruent unlocked tax savings we didn't know were possible."

    — Tech Founder, California

    What Our Clients Say

    Hear from business owners and TPAs who have partnered with Kongruent.

    "

    Kongruent helped us design a Cash Balance plan that saved our medical practice over $150,000 in taxes the first year.

    Dr. Sarah Jenkins
    Medical Practice Owner
    "

    As a TPA, partnering with Kongruent as our 'hired gun' actuary has been seamless. Their Schedule SB prep is flawless.

    Michael Chang
    TPA Firm Director
    "

    The combo 401(k) and Cash Balance strategy they engineered allowed me to accelerate my retirement timeline by 5 years.

    David Ross
    Tech Consultant

    Success Stories

    Real-world examples of how our actuarial engineering builds wealth.

    Business Owner

    Medical Practice

    Integrated Tax Savings

    A 4-partner practice maximized retirement savings while significantly reducing their annual tax burden.

    Tax Savings$185k
    Contribution$112k/ea
    Full Case Studies Available on Request
    Hired Gun Support

    TPA Partner

    Actuarial Efficiency

    Outsourced complex actuarial valuations, allowing the TPA firm to focus on client growth and relationships.

    Time Saved40%
    Audit Success100%
    Full Case Studies Available on Request
    Sole Proprietor

    Solo Consultant

    Solo Cash Balance

    High-income consultant utilized a solo plan to catch up on retirement savings and lower their tax bracket.

    Tax Savings$65k
    Tax Drop12%
    Full Case Studies Available on Request

    Our Service Areas

    Kongruent proudly serves high-income business owners and TPA firms across New Hampshire and the surrounding regions.

    Frequently Asked Questions

    Kongruent's Direct-to-Owner plan design starts at $2,500/year, which typically includes custom Cash Balance Plan design, 401(k) combo optimization, annual actuarial valuation, AFTAP certification, and Form 5500 / Schedule SB preparation. Setup costs are often rolled into the first year's administration fee. Complex multi-owner or multi-practice cases receive a custom quote based on complexity.

    Yes — Kongruent offers a free initial consultation to review your business structure and estimate your potential tax savings. You can book directly through the Contact page or by calling 978-971-4503.

    Most Cash Balance Plans can be designed and ready for implementation within a few weeks once financial and census data is provided, though the exact timeline depends on plan complexity and coordination with your CPA and financial advisor. Plans are generally best adopted before your business's fiscal year-end to maximize the current year's tax deduction.

    Cash Balance Plans allow significantly higher tax-deductible contributions than a 401(k) alone — often $100,000 to $300,000+ annually depending on age and income — which can meaningfully lower your current-year taxable income while accelerating retirement savings.

    Ready to Transform Your Tax Bill?

    Stop overpaying in taxes and start building your legacy. Our actuaries are standing by.