FiduciaryThe gap isn't time.
It's architecture.
Adjust the inputs below to see how structural optimization diverges from standard portfolio management over your remaining runway.
Projected Architecture Gap
$2.4M
Over 15 years · 15 year runway
Projections assume 6.5% standard gross return with 28% blended tax drag vs. 8.2% optimized gross with 9% effective drag via structural layering. For illustrative purposes only. Past performance does not guarantee future results.
Four structures.
One decision.
Most advisors know the first column. Fiduciary builds from the fourth. The difference compounds daily.
Feature / Structure | Standard 401(k) IRS Limit: $23,000 | Mega Backdoor Roth IRS Limit: $69,000 | Cash Balance Plan Limit: $275,000+ | DB Hybrid Layer Custom Design |
|---|---|---|---|---|
| Annual Contribution Ceiling | $23,000 | $69,000 | $275,000+ | Actuarially Defined |
| Tax Deduction Available | Pre-tax only | After-tax in | Full deduction | Full deduction |
| Roth Conversion Path | Limited | Direct in-plan | Via rollover | Via rollover |
| Creditor Protection | ERISA protected | ERISA protected | ERISA protected | ERISA protected |
| Business Owner Eligible | Yes | Yes (S-Corp) | Yes | Yes |
| Drawdown Flexibility | Standard RMDs | No RMDs (Roth) | Annuity or lump | Structured payout |
| Estate Planning Utility | Moderate | High | Moderate | High |
| Typical Tax Savings / Year | $6,440 | $19,320 | $77,000–$110,000 | Custom |
Which structures apply to your situation?
The assessment identifies your current gaps in under 4 minutes.
Case files.
Names withheld.
These are not hypotheticals. They are redacted client outcomes from the past eighteen months. The numbers are real.
Client Profile
Chief Revenue Officer
Enterprise SaaS · Portfolio: $4.2M
Before
After
Situation
Concentrated RSU position representing 68% of net worth. Maxed 401(k) contributing $23,000/year. No cash balance plan. Advisor had never modeled a drawdown sequence under a market compression scenario.
Structures Deployed
Tax Savings / Year
$94,400
10-Year Total
$1.41M
Income Delta
+$18,200/mo
“The first conversation covered more ground than the previous seven years of quarterly reviews.”
— , Chief Revenue Officer
Client Profile
Founder / CEO
Professional Services · Portfolio: $7.8M
Before
After
Situation
S-Corp owner with SEP-IRA maxed at $66,000. No defined benefit layer. Business generating $1.4M in annual profit with no structured retirement capture vehicle beyond the SEP. Five years from intended exit.
Structures Deployed
Tax Savings / Year
$187,000
10-Year Total
$935,000
Income Delta
+$31,400/mo
“We captured nearly a million dollars in tax savings that was sitting on the table. The structure was already legal — nobody had just built it.”
— , Founder / CEO
Client Profile
Dual-Income Household
Medicine / Finance · Portfolio: $3.1M
Before
After
Situation
Two W-2 earners, combined income $980K. Both maxing 401(k)s at respective employers. No backdoor Roth, no coordination between accounts, no stress-tested drawdown model. Retirement in 6 years.
Structures Deployed
Tax Savings / Year
$52,800
10-Year Total
$316,800
Income Delta
+$9,600/mo
“The sequence-of-returns analysis alone changed our entire allocation strategy for the last phase.”
— , Dual-Income Household
The Executive's
401(k) Blind Spots
Fourteen pages. Seven structures most W-2 executives have never been offered. The three questions to ask your current advisor before your next rebalancing conversation.
- Mega backdoor Roth implementation checklist
- Cash balance plan eligibility matrix
- The sequence-of-returns stress test framework
- Concentrated stock position decision tree
The analysis is
already done.
The only question is whether you're ready to act on what you see. Fiduciary accepts a limited number of new client relationships each quarter.
Fiduciary Standard
Always
Accepting Clients
Limited Q1 2026
Min. Portfolio
$1.5M+
Fiduciary Capital Advisors LLC is a registered investment advisor. All projections are illustrative only and do not constitute investment advice. Past performance does not guarantee future results. Investment advisory services involve risk, including the possible loss of principal.