"Use your 401k/IRA to Buy a Business or Franchise" - Resource

ROBS (Rollover for Business Startup)

Why Work With Pension Pros

We are pension plan professionals who specialize in helping small business owners utilize their retirement funds to start a business or franchise without incurring penalties or taxes typically associated with plan withdrawals.

Note: Funds must be from a previous employer 401k or IRA, not a current employer 401k.

How Our ROBS Plan Differs

• Low upfront fee
• No monthly admin fee
• Savings over the life of your business
• Assistance in securing a tax credit

Buy a Business or Franchise with Your 401k/IRA — Tax Penalty Free

401k/IRA business financing, also known as ROBS, is a powerful option to finance a business startup or expansion. This program enables you to invest in yourself — tax penalty free, debt free, and collateral free.

ROBS helps reduce debt payments and minimize exposure to rising interest rates. It can also free up cash for down payments required by SBA or other loans. Additionally, ROBS includes establishing a new pension plan, allowing you to continue investing in yourself while maximizing tax deductions as your business grows.

Believe in Yourself — Invest in Yourself

Using ROBS is a practical way to finance your business while potentially avoiding the rigorous credit standards of traditional lenders. New businesses often face challenges securing loans, as banks tend to view them as high-risk ventures. ROBS provides a solution by allowing you to use your retirement funds strategically — especially helpful for meeting down payment or other loan-related costs.

Key Benefits of ROBS

• Access retirement funds tax and penalty free
• This is not a loan — no repayment required
• Reduce debt payments and avoid high interest rates
• Avoid putting up personal collateral (e.g., home)
• Establish a new 401k plan to continue investing in yourself
• Maximize contributions and lower your tax liability
• Optional: incentivize key employees

Why Choose Pension Pros

Pension Pros has developed a uniquely affordable ROBS plan, offering savings in both the short and long term. Our simple administration process ensures compliance with IRS and DOL requirements while helping you focus on growing your business.

The Logical Choice

Why pay excessive fees that could otherwise go toward building your business? Pension Pros offers a plan designed to support your goals today and into the future. It helps you invest in yourself, grow your business, and even support your employees' retirement savings. If you're considering ROBS to fund your new venture, Pension Pros is the logical partner.