Employee Benefit Review & Consultation
Design a tax-efficient benefits package. We model the costs and tax credits of health and retirement plans (including SECURE Act 2.0 incentives) to help you attract talent while lowering your tax bill.
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Build a benefits package that pays for itself in tax savings and retention.
Fred Lundin CPA offers specialized Employee Benefit Review & Consultation Services to help small business owners navigate the complex intersection of HR strategy and tax law. Many business owners assume they cannot afford to offer "big company" benefits like health insurance or a 401(k). However, with recent legislation like the SECURE Act 2.0 and new Health Reimbursement Arrangements (ICHRA/QSEHRA), the government essentially pays you to take care of your team. We move beyond the role of an insurance broker who just sells you a plan; we act as your financial strategist.
We analyze your budget and workforce to design a tax-efficient compensation package. We model the financial impact of different scenarios—comparing the tax savings of a "Qualified Small Employer HRA" versus a traditional group health plan, or calculating the tax credits available for starting a new retirement plan. We ensure your benefits are not only competitive enough to hire the best talent but are also fully compliant with ERISA and ACA regulations, protecting you from costly penalties while maximizing your deduction potential.
