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.

Stay in Touch See How It Works →
$72K
Max Solo 401(k) opportunity your SE clients may not know exists
Free
Tool for your clients — no cost, no liability, no fiduciary duty
2026
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 $24,500. Unaware that W-2 salary through S-Corp qualifies for an additional $47,500 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 — $15,000 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 — $9,750 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 Most matching platforms are built for financial advisors, 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 2026 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 2026 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 $47,500 employer contribution on top of what you're already contributing. That's a $47,500 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 $8,000 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 $9,750 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
Sharing the Tool

One way to participate.
It's free.

Readers finish this worksheet often wanting help with the tax questions it raises. Would that be something you're interested in?

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 2026 IRS rules applied.

3

You get the conversation

Clients come back to you with specific questions. "The tool said I have a $47,500 Solo 401(k) gap — is that right?" That's a billable conversation and a deeper client relationship.

Stay in Touch

Keep up with
the tool.

RetirementCheck101 is an independent educational publisher. The tool is free and open to anyone, including your clients. If you'd like to hear how it develops, leave your details.