How Nexus 401(k) works
Nexus 401(k) uses a ROBS structure to let you fund a business with existing retirement savings. C-Corp formation, the new 401(k) plan, the rollover, and ongoing compliance, handled in one place.
NEXUS 401(K)
Fund your business with retirement savings
Nexus 401(k) uses ROBS, an IRS-recognized structure, so existing 401(k), IRA, or 403(b) funds can capitalize your business tax-free and penalty-free. You need $50K+ in retirement savings and an active role in the business.
$5,000One-time setup fee
$500/qtrOngoing administration
What's Included
- C-Corp formation and 401(k) plan setup
- Retirement fund rollover processing
- IRS-compliant documentation and structure
- Ongoing compliance and annual reporting
The Nexus 401(k) Process
Eligibility Check
C-Corp Formation
New 401(k) Plan
Retirement Fund Rollover
Business Funded
$0 in taxes or penalties
$0 in taxes or penalties
Common questions
How long does it take to get funded?
Most Nexus 401(k) plans go from intake to funded in 1 to 4 weeks. The variable is rollover speed: how quickly your existing custodian releases the funds. Setup itself (formation, plan documents, trust, EIN) lands in the first week.
Why is the C-Corp required?
A 401(k) plan can only invest in employer stock that meets specific definitions in ERISA and the IRC. C-Corp common stock qualifies; LLC membership interests, S-Corp stock, and partnership interests don't. The C-Corp also opens the door to QSBS, which is a meaningful tax benefit on a future exit.
What does Nexus 401(k) actually include?
C-Corp formation, the new 401(k) plan and trust, the rollover from your existing retirement account, stock issuance to the plan, and the ongoing administration that keeps the structure compliant, including annual Form 5500 filings and required testing.
What happens if my business fails?
The 401(k) plan owns stock that's now worth less. There's no loan to default on, no personal guarantee, no debt service. The downside is that retirement capital was deployed and is gone (same as any equity investment that went to zero), but there's no additional liability beyond that.
Ready to see if you qualify?
Eligibility check takes a few minutes. No credit card required, no obligation.