Nexus 401(k) Is Now in Early Access
Experienced operators often face a capital problem the default funding stack does not handle well.
They have a clear business plan, and the desire to own and operate a business on their own terms. The common and default funding options all carry tradeoffs. Excessive business loans add heavy debt service before the company is stable. Outside equity creates dilution and misalignment. Waiting to accumulate more savings preserves optionality, but delays the transition to owner.
For eligible founders, Rollovers as Business Startups 401(k)s ("ROBS") offers another path: unlocking ownership by using your retirement capital.
A ROBS structure moves retirement funds into a new company-sponsored 401(k) plan, which then purchases stock in the C-Corp sponsoring the plan. The C-Corp receives working capital, and the founder can start or buy their business without taking a taxable distribution if the structure is established and operated properly.
The structure is powerful. It can also be operationally demanding.
ROBS requires a C-Corporation. It requires a 401(k) plan trust. It requires a direct rollover from retirement accounts, a documented stock purchase, proper handling of corporate and plan assets, annual filings, required testing, valuation records, and separation between the founder, the C-Corp, and the plan.
Nexus 401(k) by Talcott Forge is built for that end-to-end workflow.
What Nexus coordinates
Nexus helps qualified founders evaluate, set up, fund, and administer a ROBS-backed business through one structured product.
Setup begins with eligibility screening and a full application. Talcott Forge reviews the application and supporting documents to confirm if Nexus is a fit.
Once approved, Nexus coordinates:
- Formation: C-Corp formation, first-year registered agent, state filing fee, and C-Corp EIN letter.
- Plan setup: 401(k) plan and trust establishment, plus plan trust EIN filing.
- Funding workflow: Direct rollover coordination and stock issuance to the 401(k) plan trust.
- Additional services: smart document vault with e-sign execution and the first-year ERISA fidelity bond.
After funding, the ongoing administration support begins. Nexus covers standard plan and entity administration, including Form 5500 filing, required testing, ERISA bond renewal, cap table and valuation recordkeeping, registered-agent annual renewal, filing service fees, and standard ROBS administration support.
Nexus charges $5,000 for setup after application approval, and $500 per quarter after funding for ongoing administration.
Who Nexus is for
This product will not fit every founder. It is designed for those with sufficient eligible retirement funds who intend to operate the business as active working owners.
Nexus exists to make a complex structure more legible, coordinated, and operable for those who choose to fund with ROBS.
If you are considering using retirement capital to start or buy a business, request early access here.