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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The Optometry Money Podcast · Profit Sharing Demystified: How Optometry Practice Owners Can Maximize Their 401(k) with Matt Ruttenberg · 25 Sep 2025 podcast

So whatever you give yourself, which is up to 25% of your salary, assuming you're an S-corp, is what you can give to yourself above and beyond that 23, above and beyond the bottom layer of the upside down retirement plan stack.

Now, pro rata is you have to give your employees that 25%.

It's basically the most simple form of employer contributions, which I don't remember the last time we've done that.

And the reason is the goal, once you go above and beyond the match,

99% of businesses out there are looking to now say, I want to maximize my own contributions.

I'm being fair to my employees.

I'm giving them a match.

I'm giving them the 401k.

There's a Roth component.

The investments were fantastic.

But the most basic form is pro rata.

And most of the, I guess, the online direct-to-consumer programs that are out there, they're more boilerplate versions, is what I call them.

Those are

mostly going to be the pro rata.

And it's not something that's favorable to the owner.

It's very favorable to your employees.

Yeah.

And I'm going to kind of lump all of those into one overarching category, and it's called new comparability.

New comparability has many, many variables that we can work off of.

And the whole point is targeting.

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