Matt Ruttenberg

speaker

364 appearances 1 recordings 1 series first heard Sep 2025 last heard 25 Sep

Matt Ruttenberg’s voice in public audio — every appearance, attributed to the second.

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And then there's other advanced that we're going to dive into here today.

But

This is the portion that comes directly from the employer, the employer account.

So it does not pass through payroll.

It comes out of the profits of the business.

And then it's a identified amount that goes to the employees.

But hopefully the goal is to get it most to the employer to where they're having most of those contributions.

And that goes up to something called a 415 limit.

Okay.

So the 415 limit, let's go back to that upside down three-tiered wedding cake, right?

The bottom layer, that's 23,500 that you mentioned for 2025.

And then you go up that next step.

And those two layers together is called the 415 limit, tax code 415.

And that can get you up to $70,000.

So technically, you're not stuck at that 23,500 plus a match.

You can go all the way up to $70,000 doing both those layers in that pyramid.

Yeah.

So let's kind of go back to that most basic version.

I called it pro rata.

And that's what most people, most business owners consider as their only option, right?

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