Keep yourupside
Use your capital to build the business while keeping the payoff from your work.
Unlock ownership through retirement capital
Use qualified retirement funds to start or buy a business without taking a taxable distribution. Nexus handles setup and rollover, then keeps ongoing administration visible after funding.
Most Nexus plans can go from intake to funded in 2-4 weeks.
Nexus 401(k)
Setup through funding, then ongoing administration in one intelligent workspace.
EligibilityVerified
C-Corp formationIn progress
401(k) planNext
RolloverPending
ComplianceActive after funding
A note from the founders
Hi there - we're Wes and Jon, co-founders of Talcott Forge. Thanks for your interest in Nexus, our first product.
We built it because as users, we discovered ROBS to be a powerful tool in unlocking capital for our own founder path, but found the legacy products opaque, manual, and hard to trust. You can read more about why we built Nexus here.
Our goal is to make ROBS plans easier to use from exploration through ongoing plan maintenance. In the process, we'll also plug you into an ecosystem of products and resources that can help with the build.
If there is anything we can do to help you at this stage, please drop us a note.
Built to keep founders off OPM.
Other People's Money can come with heavy dilution, onerous terms, and undue influence. Nexus helps founders keep more of the upside, timing, and operating authority with the business.
Move onyour timeline
Pursue the launch or acquisition without waiting on outside committees to deliberate.
Stay incontrol
Make strategy and operating decisions without external pressure or investor conflicts.
A clearer path from eligibility to funded business.
Nexus turns a technical funding process into visible steps, timing, and next actions so you can stay on top of the move.
01
Confirm eligibility
Make sure your funds, business plans, and role fit the ROBS structure before you spend time on paperwork.
02
Set up the structure
Nexus coordinates C-Corp formation, the 401(k) plan and trust, the direct rollover, stock issuance, and the first-year ERISA bond.
03
Operate compliantly
After funding, the ongoing service agreement covers Form 5500 filing, required testing, bond renewal, cap table and valuation recordkeeping, registered-agent renewal, and filing service fees.
Common questions
Is ROBS legal?
Yes. ROBS arrangements have been in use since the 1970s. They rely on existing provisions of ERISA and the Internal Revenue Code governing qualified retirement plans and investments in qualifying employer stock.
How much retirement money do I need?
Most founders need at least $50K in eligible retirement funds for ROBS to make economic sense. Below that level, setup and annual administration costs consume too much of the capital. The economics become more attractive once the rollover amount exceeds $100K.
Why does it have to be a C-Corp?
A 401(k) plan is only permitted to invest in employer stock that qualifies as "qualifying employer securities" under ERISA 407(d)(5). In practice, that means common or preferred stock of a C-Corp. LLC membership interests, S-Corp stock, and partnership units don't qualify.
What does Nexus handle?
Nexus coordinates the setup and ongoing administration necessary to establish and maintain a ROBS-funded business. At launch, Nexus creates the C-Corp and 401(k) plan, coordinates funding, and documents the stock purchase. Once funding is complete, Nexus provides compliance support for the 401(k) plan and the C-Corp by managing the annual 401(k) testing, required filings, renewals, and private stock recordkeeping needed for you to keep the 401(k) plan compliant and the C-Corp in good standing. For a more detailed overview, see our pricing page.
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