Sweep accounts, short-duration T-bill ladders, and yield-bearing operating accounts — configured against the business’s actual cash reserve, operating cycle, and liquidity needs. Not a bank product. A matched configuration.
Operating companies, service businesses, and owner-operators sitting on cash reserves that are drawing 0.01% in a checking account — when short-duration Treasuries and yield-bearing sweep accounts are available at the same institution, with the same liquidity, for the same dollar amount.
The saver practice reads the business’s cash reserve, operating cycle, and liquidity constraints before recommending any configuration. The product is the match, not the account.
A specialist reads the inquiry and responds within one business day with a configuration read or a follow-up question.
Submissions are delivered to the practice and answered within one business day. If the form fails to send, call or text 407-716-4914 directly.
If you’d rather skip the wait, call or text 407-716-4914.
Three questions on industry, team size, and state — a directional read on whether Saver’s configuration lanes line up with your business before the call.
No. Short-duration Treasuries and sweep accounts are cash-management instruments, not equity or long-duration bond investments. T-bills are backed by the full faith and credit of the U.S. government and mature in weeks. Sweep accounts move funds overnight into instruments of the same character. The practice does not place equity, mutual funds, ETFs, or long-duration bonds.
The specialist runs the math on the call. As a directional read: $50K+ in idle reserves earns meaningfully at 4–5% APY; $250K+ justifies a T-bill ladder. Businesses with less than $25K in idle cash are typically better served by a high-yield checking account alone rather than a ladder structure.
Not with a properly configured setup. Sweep accounts are fully liquid overnight. T-bill ladders are sized so a tranche matures each month, maintaining a rolling cash window. The specialist sizes the ladder against the business’s identified reserve — not the operating float — so the liquidity the business actually needs at payroll is never touched.
Performance-based referral arrangements with institutions. No upfront fee to the business. The specialist’s compensation is disclosed in writing before any account is opened or any instrument is placed.
The practice reviews configurations annually and on-request. If the rate environment shifts and the configuration is no longer optimal for the business, the specialist brings an alternative. Short-duration instruments reset at maturity — they don’t lock the business into a rate for years the way a CD or a long-duration bond would.
Each practice runs on the same logic: a clear intake, a clear owner, a clear next step. Saver is one of five.
The talking points an owner brings into a switch conversation — framed as the gaps that surface in the first quarter on a new configuration.
Bring these into the owner conversation — the call maps them against the cash position your file actually runs on, not against a templated bank pitch.
Eligibility rules depend on the plan type — a Solo 401(k) covers only the owner and a spouse; a SEP-IRA or SIMPLE IRA covers all employees who meet the age and service thresholds set in the plan document. The specialist walks the eligibility grid against the business’s actual roster on the call, so participation is sized to the operation before any plan is selected.
For 2024: Solo 401(k) allows up to $69,000 total (employee deferral + employer contribution), with a $7,500 catch-up for owners 50 and over. SEP-IRA limits to 25% of W-2 compensation or net self-employment income, up to $69,000. SIMPLE IRA caps employee deferrals at $16,000 ($19,500 if 50+), with mandatory employer contributions. Limits adjust annually; the specialist confirms the current-year figures and runs the math against the business’s actual compensation on the call.
SEP-IRA and SIMPLE IRA contributions vest immediately — employees own the balance the day it lands. 401(k) plans can apply a vesting schedule (cliff or graded, per the plan document), which the specialist configures against the business’s retention goals. The vesting schedule is disclosed in writing before any plan is adopted.
Early distributions (before age 59½) from any qualified plan are subject to ordinary income tax plus a 10% federal penalty, with limited exceptions (disability, medical, first-home purchase on IRAs). 401(k) plans can optionally allow participant loans — up to 50% of the vested balance, max $50,000 — without triggering the penalty. The specialist walks the hardship and loan provisions that apply to the chosen plan type on the call.
No for Solo 401(k) and SEP-IRA — employer contributions are discretionary and can vary year to year. SIMPLE IRA requires the employer to contribute either a dollar-for-dollar match up to 3% of compensation or a flat 2% non-elective contribution for all eligible employees. The specialist models the employer cost against the business’s actual payroll before any plan is selected.
Yes — direct rollovers from a prior employer 401(k), a traditional IRA, or another qualified plan into the new plan are generally allowed without triggering a taxable event, provided the rollover is completed within 60 days or handled as a trustee-to-trustee transfer. The specialist coordinates the rollover paperwork and confirms the receiving plan’s rollover-acceptance terms before any funds move.
Talk to a FundSolve advisor who can read your cash position and route the next-dollar decision.
Talk to an Advisor →One conversation, one configuration read, one specialist on the account setup from intake to delivery.
Book a Call