WealthPRIME

Save taxes today, and maximize your future tax-free income tomorrow

Financial planner in Los Altos, CA (show on map)

WealthPRIME is a fintech firm offering advanced tax mitigation and wealth-building strategies through retirement planning solutions for high-income individuals and business owners.

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About

WealthPRIME is a groundbreaking fintech firm that delivers highly customized digital software solutions to financial advisors, CPAs, and TPAs. The company was founded by Dan Harding who also serves as CEO of Retirement Administration, Inc. (RAI), a third party administration firm.

With over 30 years of experience as a TPA, WealthPRIME provides access to unique tax mitigation strategies usually reserved for the top 1% of income earners. Their proprietary Trinity Software uses complex tax laws coupled with sophisticated retirement plan vehicles to generate personalized financial profiles. They specialize in serving high-net-worth individuals, business owners, and accredited investors with strategies including RetirePLUS (cash balance plans), RothPLUS, and InsurePLUS.

Over 30 years of TPA experience

Tax mitigation strategies usually reserved for the top 1%

$100,000+ annual tax savings potential

Proprietary Trinity Software platform

Access to alternative investments with 4-to-1 tax relief multiple

Serves accredited investors and business owners

Services

RetirePLUS - Advanced Retirement Planning

Cash balance plan administration that allows business owners to save $100,000 or more per year in taxes with contributions up to $200,000 annually.

Cash Balance Plans ComboK Plan Design $100K+ Tax Savings ERISA Creditor Protection Catchup Provisions

RothPLUS - Tax-Free Retirement

Strategies to convert qualified retirement accounts into tax-free retirement cash flow using life insurance and Roth conversion techniques.

Roth Conversion Tax-Free Distributions Life Insurance Retirement (LIRP) Supercharged Side Door Roth

InsurePLUS - Tax-Deductible Life Insurance

Purchase tax-deductible life insurance within retirement plans to earn tax-free distributions at retirement.

Tax Deductible Life Insurance Tax-Free Retirement Income Death Benefit Three-Step Process: Fund, Exchange, Maximize

Trinity - Alternative Investments

Access to alternative investments including leveraged life insurance, solar power, and land conservation for tax relief and portfolio diversification.

Alternative Investments 4-to-1 Tax Relief Multiple Portfolio Diversification WealthHub Platform

RetireWELL - Business Owner Retirement

Cash balance plans specifically designed for business owners to convert high-net-worth clients with tax savings of $100,000+ per year.

Cash Balance Plans $100K+ Annual Tax Savings For Business Owners

WealthPRIME Technology Platform

Digital software solution that instantly illustrates and compares advanced tax-mitigation and wealth-building strategies.

Personalized Financial Profile Tax Savings Calculator Retirement Projections

Credentials & Certifications

Member of National Institute of Pension Administrators (NIPA)

Frequently Asked Questions

What is a cash balance plan? +

A cash balance plan is a type of defined benefit retirement plan that allows a business owner to save $100,000 or more in taxes. The employee's retirement benefit is represented by an account balance credited with pay credits and interest credits.

How much can a business owner save with WealthPRIME's cash balance plans? +

A business owner making over $300k could contribute up to four times what they could in a traditional 401(k) plan, potentially saving $100,000 or more per year in taxes.

Who are WealthPRIME's services best suited for? +

WealthPRIME targets high-net-worth individuals, business owners, accredited investors, and professionals such as physicians, attorneys, and hedge fund managers who can benefit from cash balance plans and advanced tax mitigation strategies.

What is RothPLUS? +

RothPLUS is a strategy that converts existing qualified accounts (401(k)s and IRAs) into tax-free retirement cash flow in the future, using a combination of Roth conversions and life insurance strategies.

What is the InsurePLUS three-step process? +

Step 1: Fund - Use pre-tax contributions to fund life insurance. Step 2: Exchange - Swap the policy out of the retirement plan in year 5 (potentially at a discount). Step 3: Maximize Value - Let the life insurance grow with compound interest until age 70 for a tax-free retirement income.

What is the WealthPRIME Trinity strategy? +

Trinity provides access to alternative investments (leveraged life insurance, solar power, land conservation) that shield assets from market volatility, offer greater returns, and significantly reduce tax liability with up to 4-to-1 tax relief multiples.