For CPAs & Accountants

Your clients have a
retirement gap.
Be the one who finds it first.

RetirementCheck101 is a free, IRS-rules-based retirement analysis tool you give to your tax clients. When it surfaces a $40,000 Solo 401(k) gap — that conversation starts with you, not a competitor.

Request CPA Partner Info See the Partner Program →
$70K
Max Solo 401(k) opportunity your SE clients may not know exists
Free
Tool for your clients — no cost, no liability, no fiduciary duty
2025
IRS limits — SECURE 2.0, catch-up rules, HSA — all current
The Missed Opportunity

Every tax season, your clients
walk out with uncaptured gaps.

They're looking to you for guidance — and the tool they need to quantify their retirement picture doesn't exist in most CPA workflows. Until now.

What a typical client's profile looks like
👤
Self-employed physician, age 54, S-Corp Maxing W-2 401(k) at $23,500. Unaware that W-2 salary through S-Corp qualifies for an additional $46,500 employer contribution to the same plan.
👥
Dual-income household, both over 50 Neither has set up backdoor Roth IRAs. Both are above Roth income limits — $14,000 per year in tax-free retirement growth being left on the table.
🏥
Small business owner on HDHP No HSA established. Missing the triple tax advantage — $9,550 deductible contribution available for family + 55+ catch-up. Funds grow tax-free and withdraw tax-free for medical expenses.
🏦
57-year-old, aware of catch-up, not the super catch-up SECURE 2.0 created an $11,250 super catch-up for ages 60–63 — 50% more than the standard. Most clients and many advisors don't know it applies to them yet.

These aren't edge cases. They're the majority of clients earning over $150K. And right now, other professionals — financial advisors, robo-advisors, and generic matching platforms — are positioning to have these conversations instead of you.

Generic lead-gen platforms don't help CPAs Services like SmartAsset, Zoe Financial, and WiserAdvisor are built for FAs, not accountants. They generate leads for advisors from your client relationships — not the other way around.
Referral networks are ad hoc and reciprocal Traditional CPA-to-FA referral networking relies on relationships built over years. It doesn't scale, it's not systematic, and it doesn't give your clients a tangible deliverable.
Your clients are going elsewhere after tax season Without a retirement planning touchpoint from you, they'll find the gap analysis somewhere else — and bring someone else into the relationship.
The RetirementCheck101 Tool

What your clients
actually receive.

A free, 12-section retirement analysis built on 2025 IRS rules. No financial advice given — purely educational. Legally clean. Professionally impressive.

📊
Contribution gap analysis Exact dollar amounts left on the table across every tax-advantaged vehicle — 401(k), IRA, HSA, Solo 401(k), SEP IRA — based on their actual income and plan type.
🔄
Backdoor Roth & Mega backdoor identification Automatically flags eligibility for backdoor Roth conversion, spousal IRA, and mega backdoor Roth (after-tax 401(k)) strategies most clients overlook.
💼
Self-employment plan optimizer For sole proprietors and S-Corp owners: quantifies the Solo 401(k), SEP IRA, SIMPLE IRA, and cash balance plan options with 2025 contribution limits applied.
📅
SECURE 2.0 super catch-up flags Identifies clients aged 60–63 who qualify for the $11,250 super catch-up — a SECURE 2.0 provision most clients and advisors are still unaware of.
📈
Monte Carlo projections & future events calendar Outcome modeling with scenario planning — raises, inheritances, home sales — so clients understand the long-term impact of the gaps you've helped surface.
🔒
Educational only — no fiduciary language No advice is given. No fiduciary relationship is created. No liability to you. Just a thorough, IRS-citations-backed analysis your client can review with you or any advisor.

Client conversations this opens for you

Solo 401(k) Discovery
"The analysis flagged that your S-Corp salary qualifies you for an additional $46,500 employer contribution on top of what you're already contributing. That's a $46,500 deduction we haven't been capturing."
Opens: tax planning, plan setup referral, year-end strategy session
SECURE 2.0 Super Catch-Up
"You turned 60 last year — which means you now qualify for the super catch-up under SECURE 2.0. Your catch-up limit just went from $7,500 to $11,250. Your current plan may not have updated for this yet."
Opens: plan review, advisory referral, contribution adjustment
HSA Triple Tax Advantage
"You're on a qualifying high-deductible health plan but there's no HSA showing on your return. That's $9,550 in contributions you could deduct this year, grow tax-free, and withdraw tax-free for medical expenses — forever."
Opens: HSA setup, investment account referral, retirement income planning
The Honest Comparison

How this compares to
other options for CPAs.

The retirement planning market offers CPAs a few paths to deepen client value and generate referral revenue. Here's how they stack up.

Generic Referral Networking
BNI, local FA relationships, informal COI
No systematic client touchpoint — ad hoc only
No deliverable for your client — just a warm intro
You build the relationship; the advisor takes the client
Time-intensive, hard to scale
Free, relationship-based
High trust introductions
RetirementCheck101
CPA Partner Program
Structured, tool-based, scalable
Client gets a tangible deliverable — retirement gap analysis
You're the trusted source of the tool — not an afterthought
Structured introduction program with vetted FAs
Monetizable: 10-introduction packages available
No liability — educational tool only
2025 IRS rules — always current, always credible
Outsourced Lead Gen Agencies
Belkins, CIENCE, Callbox (~$5K–$15K/mo)
Built for outbound sales, not CPA client retention
Cold prospects — no existing trust relationship
$5,000–$15,000/month for cold outbound
Complex integration, long onboarding
High volume potential
Conversion rates 1–3% on cold contacts
The CPA Partner Program

Two ways to participate.
One is free.

Start by sharing the tool with your clients at no cost. If you want to monetize the referral flow, the 10-Introduction Package gives you a structured, revenue-generating path.

1

Share the tool with your clients

Send your tax clients a link to RetirementCheck101 — before, during, or after tax season. Frame it as a complimentary retirement readiness check from your firm. Takes you 30 seconds.

2

Clients complete the 12-section analysis

They spend ~20 minutes documenting their retirement picture. The tool surfaces gaps, contribution limits, and planning opportunities — all in their own name, with 2025 IRS rules applied.

3

You get the conversation

Clients come back to you with specific questions. "The tool said I have a $46,500 Solo 401(k) gap — is that right?" That's a billable conversation and a deeper client relationship.

4

Optional: monetize the referral flow

Clients who want help implementing their plan need a financial advisor. Through the 10-Introduction Package, you connect them with vetted, pre-screened FAs — and receive a structured introduction fee per qualified connection.

CPA Partner Program
10-Introduction Package
$1,500 per 10 introductions

For CPAs who want to systematically monetize the retirement planning gap their clients discover through the tool. Each introduction connects a qualified client with a vetted fiduciary FA — and pays you a structured referral fee per connection.

10 pre-screened FA introductions per package
Each introduction based on completed RetirementCheck101 profile
Vetted, fiduciary-registered advisors only
You stay in the loop — client remains your tax client
No AUM sharing, no revenue split, no ongoing obligation
Compliant structure — introduction fee, not investment advice
Packages stackable — buy as needed, no subscription required
Request Program Details

Free participation always available — the 10-Introduction Package is optional.

CPA Partner Inquiry

Let's talk about
your practice.

Tell us about your client base and how you'd like to participate. A RetirementCheck101 partner specialist will follow up within one business day.

By submitting, you agree to be contacted by a RetirementCheck101 partner specialist. RetirementCheck101 is an educational tool — not financial, investment, tax, or legal advice. No fiduciary relationship is created by use of this platform.