Think of a Micro Captive like a 401(k) but for your business.
Comparison
401(k)
Micro Captive
Annual contribution
$72,000
$2,900,000
Tax treatment
Tax-deferred
Tax-deferred
Who controls it
Wall Street
You
Protects your business
No
Yes
Builds long-term wealth
Yes
Yes
Allowed withdrawal timelineWithdrawal timeline
59½
After 1 year
Who benefits
Employees
Business ownersBiz owners
A 401(k) is built for the employees. A Micro Captive is built for the business owner.