Published fee
Priced from the components you choose
There is no bundled package fee. A structure is priced from the published component fees: Solo 401(k) setup from $1,200 plus $200 per year, standard LLC $795 plus the state filing fee, Lean S-Corp Optimizer $995 plus state filing fees, Wyoming anonymous LLC $995 plus the $100 Wyoming filing fee and IRA LLC $1,295.
Government filing fees, registered-agent renewals, custodian, banking, payroll, legal, CPA, investment and lender charges are separate where applicable, and government fees can change.
See the full price listThe architecture
Three layers, built in order
Layer one - the operating entity
An LLC, or an LLC with an S-election where your CPA supports it, that earns the income and runs payroll. Everything else depends on this being set up and operated properly.
Layer two - the retirement plan
A self-directed Solo 401(k) sponsored by the business, giving contribution capacity and the ability to direct plan assets into what you understand.
Layer three - asset-holding entities
Where appropriate, separate entities that hold investment assets, kept apart from operating activity. Appropriate is a legal judgement, not a default.
No structure is bulletproof and none guarantees protection or tax reduction. A structure is only as good as the way it is documented and operated day to day.
Fit
Who this is for - and who it is not
May benefit
- Owners with consistent profit and more than one type of activity in one entity
- Real-estate investors holding property alongside an operating business
- 1099 professionals whose income has outgrown an informal setup
- Owners who already work with a CPA and an attorney and want the pieces coordinated
- Anyone who has accumulated entities and accounts without a plan connecting them
Probably not warranted
- Businesses without steady income, where the cost outweighs any benefit
- Owners looking for guaranteed protection from creditors or lawsuits
- Anyone expecting a tax result nobody has calculated
- Situations where a single entity does the job perfectly well
Phased process
Each phase stands on its own
You are never committed to the whole sequence. Every phase produces something usable, and stopping is a legitimate outcome.
- 1
Phase 0 - Blueprint session
We map what exists today: entities, accounts, income sources, assets and advisers. The output is a written picture and an honest view of what is missing or unnecessary.
- 2
Phase 1 - The operating foundation
Form or clean up the operating entity, get organising documents and banking right, and confirm with your CPA whether an S-election belongs in the picture.
- 3
Phase 2 - The retirement plan
Adopt the Solo 401(k), coordinate rollovers, and set contribution mechanics that match how you are actually paid.
- 4
Phase 3 - Asset separation where warranted
Add holding entities or an IRA LLC only where your attorney agrees the separation is justified by real activity.
- 5
Phase 4 - Benefits and refinement
Revisit the structure as income, headcount and holdings change.
- 6
Ongoing - Annual review
Documents, contributions and entity obligations reviewed each year, with your CPA and attorney included where decisions are theirs.
Advisers
Who owns which decision
- Your attorney: entity choice, liability questions, contracts and any protection claim
- Your CPA: elections, reasonable compensation, deductions, returns and all tax positions
- Your custodian, bank and depository: holding and reporting on plan and account assets
- Your payroll provider: registration, withholding, deposits and filings
- Your investment adviser, if you use one: what the assets should actually be
- Survival 401K: documents, implementation, coordination and education across the above
Scope
Roles and limitations
What Survival 401K does
- Map the current structure and identify gaps and redundancies
- Prepare and coordinate entity and plan documentation across phases
- Sequence the work so each step is usable before the next begins
- Bring your attorney and CPA into the decisions that belong to them
What we do not do
- Promise asset protection, creditor protection or any legal outcome
- Promise tax savings, or estimate them before your CPA has run the numbers
- Provide legal, tax, accounting or investment advisory services
- Recommend that you build more structure than your situation supports
Questions
Coordinated structure FAQs
Next step
Start with a blueprint session
Bring what already exists - entities, accounts, income sources and advisers. You will leave with a written view of what is worth building, what is missing and what you can safely skip.