Discover how business owners add $500,000+ pre-tax to their 401(k) contributions and save $300,000+ in taxes each year

An owner-focused retirement plan design that maximizes your deductible contribution and reduces taxes without adding to employee funding.

See how much you can contribute and save on taxes.

đź”’ Fully confidential. No cost & no obligation.

Discover how business owners add $500,000 + pre-tax to their 401(k) contributions —
and save $300,000 + in taxes each year

An owner-focused retirement plan design that maximizes your deductible contribution and reduces taxes without adding to employee funding.

See how much you can contribute and save on taxes.

đź”’ Fully confidential. No cost & no obligation.

Does This Sound Like You?

  • You’re a high earner, but feel “capped” at ~$70,000 in your 401(k).
  • Your tax bill is still too high even after “maxing” the plan.
  • You want a bigger owner contribution without raising employee funding.
  • You need something compliant and straightforward—not a loophole.
  • You want to see your numbers first, then decide.

If that’s you, you’re in the right place.

Elena Samofalova, retirement advisor and fiduciary consultant in Florida

Elena Samofalova

Retirement Plan Advisor / Investment Advisor / Chartered Retirement Planning Counselor CRPC® 
CEO, Palm Beach Private Wealth Management

Meet Your Advisor

Direct, personal guidance — no call centers.

I’m Elena Samofalova, founder of Palm Beach Private Wealth Management. I work with you to design and manage a right-sized 401(k) that keeps fees transparent, lowers fiduciary risk, and drives employee participation.

You won’t get a call center or a generic rep — you’ll have one dedicated advisor who knows your plan inside and out, and who’s here whenever you or your employees need answers.

Based in South Florida, I partner with a seasoned ERISA team — attorneys, compliance experts, administrators, and investment pros — so your plan is protected from every angle.

You’ll have one person to call. No platforms, no chasing vendors — just clear, personal guidance when you need it.

Let’s take this off your plate so you can focus on running your business, not running your plan.


Text me to schedule a call: +1 (954) 400-3038

How the Review Works – Step by Step

No pressure, no confusion — just expert guidance on what’s working, what’s not, and how to fix it.

1
Quick Intro Call (20–30 min)

We’ll learn about your plan, your goals, and what’s been stressing you out, or holding your plan back.

2
Full Plan & Fee Check-Up

We’ll do a detailed review of your plan, uncover hidden fees, and show where you may be exposed to fiduciary risk - including new rules under SECURE 2.0.

3
Real Answers, No Pressure

We’ll walk you through where your plan stands, what could be costing you, and how to improve it without trying to sell you anything.

Ready to See What’s Really Going On With Your Plan?

đź”’ Fully Confidential. No sales pitch. Just honest insight.

Still Not Sure If It’s Worth Your Time?

Most business owners feel exactly the same way until they finally see the numbers.

With so many providers pushing their agenda, it’s no wonder you might hesitate, too.

This review is different. It gives you real value upfront and shows you what your provider might not be telling you.

It’s a great chance to finally understand where your plan stands and whether you’re overpaying or exposed to risk.

Schedule your review now, and you’ll walk away smarter no matter what you decide.


Get My Plan Reviewed

đź”’ Fully confidential. No cost & no obligation.

Small business owner reviewing a SIMPLE IRA retirement plan in a relaxed office setting, representing affordable retirement solutions for businesses with fewer than 100 employees.

“I didn’t realize how much we were overpaying. This review showed us things our provider never mentioned.”
— Actual feedback from a recent review (name withheld for privacy)

FAQs: Questions We Often Hear From Business Owners

No. You’re welcome to share them if you want deeper analysis, but it’s not required. We can start the review based on what you already know about your plan.

Not at all. This is a third-party review. We don’t contact your provider, make changes, or interfere with your setup. You stay in control the entire time.

That’s totally fine. We offer a second opinion — not a replacement. Many of our reviews complement what your advisor is already doing and highlight areas you may want to revisit.

No. This isn’t a sales call. It’s a real review designed to uncover inefficiencies and show you what’s possible. We do this to build trust and relationships with business owners. If you find it valuable, you can choose to work with us going forward, but there’s no obligation.

We know business owners are busy, and the last thing you need is another burden. That’s why we keep the process simple and efficient. It begins with a 20 to 30 minute call by phone or Zoom to understand your goals and current plan. After that, we’ll take one to two business days to complete the initial review and share our findings. If a deeper analysis is needed, it can take up to five business days. Either way, we do the heavy lifting and make everything easy to follow without taking much of your time.

No problem. You’ll still walk away with clarity about your plan’s status and what’s working. The review is yours to keep, whether you take action or not.

No, and we won’t push you to. Many employers improve their plans without switching. If better options are available, we’ll show them, but the decision is always yours.

We specialize in 401(k) and 403(b) plans for small to mid-sized businesses, typically with $500K to $10M in plan assets.

Many business owners loop in a partner, office manager, or HR lead. We’re happy to tailor the review to match your team’s workflow.

Business owner and financial advisor discussing 401(k) retirement plan documents in a modern office with coffee and charts on the table

Here’s What You’ll Walk Away With

  • âś”Clear fee benchmarking
  • âś”Independent fiduciary checkup
  • âś”Actionable feedback in plain English
  • âś”Peace of mind knowing your plan is on track, or where to fix it

No pressure. No pitch. Just useful information. We want to win your trust.

Get My Plan Reviewed

đź”’ Fully confidential. No cost & no obligation.

What Business Owners Tell Us After We Step In

  • ✔“I finally stopped worrying about whether we were compliant.”
  • ✔“Our employees actually understood their plan for the first time.”
  • ✔“All those 401(k) admin headaches? Just gone.”
  • ✔“I thought we were doing okay — now I know we’re doing it right.”

There’s zero risk and a lot to gain.


Get My Plan Reviewed

đź”’ Fully confidential. No cost & no obligation.

Four business owners — a professional, a construction worker, a doctor, and a mechanic — confident after improving their 401(k) plans

Save time, cut fees, and sleep better

Request your free 401(k) review and put your retirement plan on the right track.

Elena Samofalova

Elena Samofalova

Retirement Plan Advisor · Investment Advisor · CRPC®

CEO, Palm Beach Private Wealth Management

Direct, personal guidance — no call centers.

I work with you to design and manage a right-sized 401(k) that keeps fees transparent, lowers fiduciary risk, and drives employee participation.

You won’t get a call center or a generic rep — you’ll have one dedicated advisor who knows your plan inside and out, and who’s here whenever you or your employees need answers.

Based in South Florida, I partner with a seasoned ERISA team — attorneys, compliance experts, administrators, and investment pros — so your plan is protected from every angle.

Let’s take this off your plate so you can focus on running your business, not running your plan.

Fully confidential No cost & no obligation

How the Review Works — Step by Step

No pressure, no confusion — just expert guidance on what’s working, what’s not, and how to fix it.

1

Quick Intro Call (20–30 min)

We’ll learn about your plan, your goals, and what’s been stressing you out or holding your plan back.

2

Full Plan & Fee Check-Up

We’ll review hidden fees, fiduciary red flags, and compliance risks — including SECURE 2.0 updates.

3

Real Answers, No Pressure

We’ll show where you stand, what you could improve, and what’s possible — with zero obligation.

Small business owner reviewing a SIMPLE IRA retirement plan in a relaxed office setting, representing affordable retirement solutions for businesses with fewer than 100 employees.

Still Not Sure If It’s Worth Your Time?

Most business owners feel exactly the same way until they finally see the numbers.

With so many providers pushing their agenda, it’s no wonder you might hesitate too.

This review is different. It gives you real value upfront and shows you what your provider might not be telling you.

It’s a no-risk, no-commitment review. Just facts, clarity, and a chance to finally understand where your plan stands and whether you’re overpaying or exposed to risk.

đź”’ Fully confidential. No cost & no commitment.

FAQs: Questions We Often Hear From Business Owners

That’s a fair question, and it starts with the providers behind the plans we recommend.

We only work with large, nationally recognized firms that specialize in 401(k) compliance, fiduciary oversight, and plan operations. These are the same names trusted by major corporations, now available to smaller businesses through a pooled plan structure. You’re not relying on one advisor; an entire institutional team backs you.

As your advisor, our job is to vet these providers, align them with your goals, and ensure the plan you’re offered is truly in your best interest, not a product being pushed by someone who stands to benefit financially. We’re not tied to any single platform, recordkeeper, or investment menu. Our role is to protect your outcomes, not anyone’s quota.

A Pooled Employer Plan (PEP) enables multiple unrelated businesses to participate in a single, professionally managed and maintained retirement plan structure. Instead of each employer being responsible for their own standalone plan with separate compliance tasks, filings, and oversight, the pooled structure shifts nearly all of that burden to experienced fiduciaries.

You still retain control over key decisions, including eligibility, employer match, and payroll integration. But ongoing plan management, compliance monitoring, testing, and filings are handled centrally by the PEP provider and its fiduciary partners (3(16), 3(38), etc.).

If your current plan is standalone and only offers basic recordkeeping, you may still be responsible for many oversight and compliance tasks, even if you’re not aware of them.

A “low” number on paper doesn’t always reflect a fair or efficient fee structure.

We often uncover hidden costs buried in older contracts, such as revenue-sharing, inflated advisory fees, or unnecessary wrap charges, which can make a plan appear more cost-effective than it actually is.

Our benchmarking process goes well beyond a simple rate check. It includes:

  • Side-by-side comparisons of recordkeepers and platform providers

  • A full breakdown of every fee layer (TPA, advisory, investment, custody, etc.)

  • Negotiating better terms or recommending more cost-effective alternatives

It’s not uncommon for businesses to reduce total plan costs by $25,000–$ 100,000 or more annually through strategic restructuring, even if their current plan was previously considered “low-cost.”

Under a Pooled Employer Plan (PEP), operational responsibilities are handled by designated experts, not left to the business owner or internal HR team.

The Pooled Plan Provider (PPP) assumes primary responsibility for day-to-day plan operations, including compliance testing, 5500 filings, participant notices, and DOL or IRS audits.

That means you’re not personally managing complex deadlines or shouldering liability for administrative errors; experienced fiduciaries handle these functions under the PEP framework.

If your current plan is standalone, you’re likely still responsible for coordinating multiple vendors and staying compliant without this level of built-in oversight.

Not at all.
In fact, many of the businesses we help have 20-300 employees and are exactly the ones most at risk of overpaying or missing compliance steps, because they’re too small for HR to stay on top of everything but too big for simple solutions to work.

We scale with your size and complexity, and Pooled Employer Plans (PEPs) allow small and mid-size businesses to access institutional pricing and fiduciary protections that used to be reserved for large employers.

No, and that’s a key difference in working with us.
PEPs are not always the right fit. In some cases, a customized standalone plan or a prototype structure with the right fiduciary layers makes more sense.

We run the analysis based on your current plan, your employee population, your goals, and what you want to outsource. If a PEP is a better fit, we’ll show you why. If not, we’ll explain the tradeoffs—and help you optimize what you already have.

Many plans appear simple on the surface but are actually very risky underneath.
What feels “easy” often comes from years of default settings, ignored notices, and autopilot renewals.

We break that cycle by helping you:

  • See how your current plan is performing

  • Understand where risk, cost, or inefficiency is hiding

  • Simplify with structure, not shortcuts

Once the right system is in place, you’ll spend less time managing your plan, not more.

Yes, and that’s part of what sets us apart.
We don’t stop at compliance and cost—we help employees understand and use their plan. Our education programs are modern, concise, and tailored to the real questions employees ask.

Better education means higher participation, more satisfaction, and fewer employee questions landing on your desk.

That’s absolutely fine.
We’re flexible and collaborative—we can either work alongside your current providers or help you transition if that’s the better path.
In many cases, we act as an overlay, bringing in benchmarking, plan optimization, and fiduciary protections while keeping familiar relationships in place.

Our goal is not to blow things up. It’s to upgrade what’s not working and protect what is.

You don’t need to do this yourself or all at once.

We start with a simple conversation and review your plan documents in the background. From there, we handle the research, benchmarking, analysis, and transition roadmap.

Your total time commitment: about 1–2 hours total, across a few short meetings.
And the return? Lower fees. Less liability. Higher confidence.