The operating model from every partner's seat. Who owns what, where each deal travels, who handles the back office, and exactly where your time goes. Built so three busy partners stay hands-off in good conscience.
The split fits who everyone already is. Mike, JD, and Chad hold the plan-sponsor and TPA relationships. Tony holds the platform. The back office is bought, not staffed.
Point qualified sponsors at Credit(k) and lend reach to the campaign. Two lanes are open and the choice is yours. Your relationships and credibility are the scarce input.
Light touchRuns the (k) Suite end to end: per-employee verification, the Credit Analysis, signature-ready Form 8881 and 3800 packages, and the escrow flow.
The engineBooks, tax, payments, insurance, legal, IT. Each runs through an outside provider reporting to Tony. None of it touches a partner's calendar.
Bought, not staffedThe growth engine is the campaign aimed outside everyone's book, where there is no conflict and nothing to disclose. Mining your own clients is a separate, optional lane each partner decides on individually, and it comes with one firm rule.
Credit(k)'s blue mailer and matched Hunter.io email campaign target the 204,113-plan dataset — sponsors who are nobody's client here. Partners lend reach and credibility; the platform does the personalizing and sending. It scales without anyone's calendar.
A partner may choose to surface credits for their own TPA clients. Entirely optional and entirely the partner's decision. The sponsor-direct model keeps the partner out of the Credit(k) transaction itself, but the relationship still has to be named.
Color marks who owns each step. The partners appear once, at the very front. Everything after the introduction runs through Tony and the vendors.
A qualified sponsor enters through the campaign or a partner introduction, likely sitting on unclaimed SECURE 2.0 credits.
Tally(k) verifies per-employee contribution data and flags deferrals and over-cap amounts. No estimates ever reach a sponsor.
The Credit Analysis & Eligibility Report is produced across every eligible year, including prior years via amended returns.
Signature-ready Form 8881 and 3800 packages are built for each year, with the basis-reduction impact surfaced up front.
The sponsor takes the finished packages to their own CPA to file. Credit(k) prepares the package; it is not the filer.
The fee is earned and net revenue distributes to all four partners by ownership. The cycle repeats with the next intro.
The fee never lands in Credit(k)'s hands first. It sits with a licensed escrow agent and releases as work is delivered, then distributes to the partners.
Everything operational is bought, not built. Status reflects where each piece stands going into launch.
Milestone escrow, 50/50 release, licensed trust account.
SelectedBusiness checking, QuickBooks-ready, no minimums.
Opens at closingMonthly close, bank reconciliation, financial statements.
To engageForm 1065, K-1s, capital accounts, IP valuation.
To selectE&O, cyber liability, general liability.
Get quotesOperating agreement, client engagement contracts.
EngagedBellevue firm with a real employee-benefit-plan practice and a venture-backed-startup client base, so partnership returns and the Schedule B IP valuation are routine work. Baker Tilly, the former Moss Adams, is the heavyweight to hold in reserve for credibility or a standalone valuation.
The model concentrates production on Tony by design. Here is the honest read on what that means and why it works.
The engine is built and the back office is bought. The one input that can't be outsourced is your relationships. Bring a few real sponsors, no fee, and we turn them into proof.