Fund the move without a monthly payment
Put existing capital to work in the business instead of adding debt service before operations are moving.
How Nexus 401(k) works
Four moving parts turn retirement savings into business capital: form a C-Corp, set up a new 401(k), roll your retirement savings tax-free, and have the plan purchase stock in the C-Corp. Here's what happens at each step.
What it is
A practical path to fund what you want to own.
Nexus helps qualified founders turn existing retirement savings into business capital, with setup through funding separated clearly from the ongoing administration that starts afterward.
Keep the timing in your hands
Confirm eligibility, see the required steps, and move from intake to funding without waiting on outside committees.
Stay close to the business
Preserve operating control, keep the economics tied to your work, and avoid turning every decision into a stakeholder negotiation.
The Nexus 401(k) Process
Eligibility Check
C-Corp Formation
New 401(k) Plan
Retirement Fund Rollover
Business Funded
Setup process
What happens at each step
01
Eligibility check
$100K+ in qualifying retirement funds plus an active role in the business. Roth and inherited IRAs don't qualify.
02
C-Corp formation
Form a new C-Corp with formation filing, first-year registered agent, state filing fee, and EIN letter included.
03
New 401(k) plan
The C-Corp adopts a new plan and trust, and Nexus files for the plan trust EIN.
04
Retirement fund rollover
A direct trustee-to-trustee rollover from your existing 401(k), IRA, or 403(b), structured as a tax-deferred rollover.
05
Business funded
The plan buys newly issued stock in the C-Corp. Nexus also includes the first-year ERISA fidelity bond.
Compliance infrastructure
A live operating view for the work after funding.
Compliance should not live in a spreadsheet, inbox, or once-a-year panic. Nexus keeps the plan calendar, documents, reviews, and next actions visible after the business is funded under the ongoing service agreement.
Nexus compliance dashboard
Post-funding administration, renewals, documents, and alerts.
Plan year2026
Next filingQ2
Open issues0
Annual filing calendarForm 5500 and plan-year work
ScheduledRequired testingCoverage and nondiscrimination checks
TrackedPlan documentsTrust, adoption agreement, amendments
OrganizedAnnual renewalsERISA bond, valuation, registered agent, and state filing services
VisibleNEXUS 401(K)Map your path
$5,000 setup. $500 a quarter after funding.
A comprehensive pricing model covering setup, ongoing administration, and formation related services.
$5,000One-time setup
$500/qtrOngoing administration
Common questions
How long does setup take?
Most Nexus 401(k) plans can go from intake to funded in 2 to 3 weeks. The key variable is often rollover speed: how quickly your existing custodian releases your retirement funds for transfer into the newly formed 401(k) plan.
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.
What if the business fails?
ROBS arrangements involve investment and compliance risk. Because retirement funds are invested into the business through the retirement plan, some or all of those funds could lose value if the business is unsuccessful. While ROBS provides a way to invest retirement assets into a business, it does not protect the business from failure.
Ready to see if you qualify?
Eligibility check takes a few minutes. No credit card required, no obligation.