Empowering Small Businesses to Succeed
We offer free consultation on various programs to help businesses cut costs and improve profitability
★★★★★
Trusted by businesses nationwide.
Consulting Services
Discover Card Settlement
Partner with IronGate Business Advisors to secure your portion of the Discover Card settlement. The final deadline to file a claim is May 18, 2026. Don't miss out—complete our simple form, e-sign your documentation, and we'll handle the entire submission process for you. Time is limited.
FICA Savings Program
We’ve partnered with IronGate to deliver a dual benefit: employers save an average of $1,120 per W-2 employee yearly on FICA taxes, and employees receive valuable pre-tax wellness benefits. It’s a strategic enhancement for all. Start benefiting today.
Through our partnership with On Point Payment, we provide free processing equipment with no fees or long-term contracts. Enjoy next-day funding and robust security measures designed to support your growth. Start optimizing your payments now.
Credit Card Processing Services
You could be missing a direct IRS credit for routine payroll. Most hospitality employers overlook this dollar-for-dollar offset for FICA taxes on tips—a significant opportunity to reduce liability and boost profits. Don't leave this money on the table. Start your free evaluation now.
FICA Tip Credit
Reduce Payroll Taxes While Enhancing Employee Benefits
A Smarter Way to Improve Cash Flow and Retain Employees
Business owners are under constant pressure to control costs while offering competitive benefits. Our FICA Savings & Employee Benefits Program allows you to do both—without increasing payroll expense or disrupting your existing health plan.
This IRS-compliant strategy enables employers to reduce payroll taxes while providing meaningful, modern benefits employees actually use.
How the Program Works
By implementing a supplemental, pre-tax benefits structure, eligible wellness and healthcare benefits are delivered more efficiently. This reduces taxable wages for FICA purposes, resulting in lower employer payroll taxes—while employees receive enhanced coverage at no reduction in take-home pay.
The result is a win-win: you save money, and your employees gain valuable benefits.
Key Benefits for Business Owners
✓ Lower Payroll Taxes
✓ No Out-of-Pocket Cost
Most employers save an average of $1,100+ per W-2 employee each year in FICA taxes, improving cash flow without cutting staff or increasing revenue.
The program is designed to be cost-neutral for the business. There are no implementation fees, and savings typically exceed program costs.
✓ Stronger Employee Retention
Offer benefits such as telehealth, preventive care, mental health support, and prescription assistance—benefits that increase employee satisfaction and reduce turnover.
✓ No Change to Existing Health Insurance
This program works alongside your current medical plan. No need to replace carriers, renegotiate policies, or disrupt employee coverage.
✓ IRS-Compliant & Professionally Managed
The program is structured to align with IRS regulations and administered by experienced professionals, minimizing risk and administrative burden.
Key Employee Benefits at No Out-of-Pocket Cost
24/7/ Telehealth - Talk to a Doctor Anything
Mental Health Counseling - Support When You Need it
12 Virtual Primary Care Visits per member per year and 12 care visits per covered child per year
Additional Employee Benefits - Extra Protection for Life's Unexpected Events
Quest diagnostic labs
RX coverage with no copays
*for formularies covered
No obligation. No upfront cost.
Why Business Owners Choose This Program
Unlike traditional benefit upgrades that increase expenses, this strategy reallocates existing payroll dollars more efficiently. Employers gain immediate tax savings while positioning their business as a more attractive place to work.
Find Out How Much Your Business Can Save
Many employers are surprised by how much they qualify for—often tens of thousands of dollars annually depending on staff size. Discover your potential payroll tax savings and see how easily this program can be implemented.
No obligation. No upfront cost.
FICA Savings Program Testimonials
Discover what our clients think about our FICA Savings Program
No obligation. No upfront cost.
FICA Savings Program
Frequently Asked Questions
Why Was This Program Created?
The program originates from the Affordable Care Act (ACA) of 2014 and builds on earlier frameworks like Section 125 plans (ERISA 1974) and HIPAA (1996). It was designed to improve efficiency in healthcare delivery while ensuring employees have access to compliant, subsidized benefits.
How Do the Savings Work?
The program applies a fixed pre-tax deduction to each participating employee's paycheck. This lowers their taxable wages, which reduces the FICA tax liability for the employer. The FICA rate of 7.65% remains the same, but it is now applied to a reduced amount, generating savings for the employer.
Is the Preventive Care Program compliant with IRS and ACA regulations?
Yes. The program is fully compliant with IRS Sections §125, §104(a)(3), §105(b), §106(a), and §213(d), as well as ERISA and ACA regulations (e.g., 42 U.S. Code §300gg-4(i)(3)(c)). All documentation and administration are handled by licensed third-party providers to ensure compliance.
How Does This Affect My Current Healthcare Plans?
The program does not replace existing health coverage. Employees can keep their current plan. It simply adds additional wellness benefits and includes a Minimum Essential Coverage (MEC) plan to meet ACA requirements. For employees without major medical coverage, it can function as a stand-alone option.
What Are the Employee Requirements to Qualify?
Employees must earn at least $26,000 per year and average 30 or more hours per week. Enrollment in existing major medical coverage is not required, as MEC is automatically included. Employees currently on Medicaid are not eligible.
Does This Cost Anything Out of Pocket?
There is no out-of-pocket cost for either employers or employees. The program is funded through a pre-tax structure that reallocates part of employee tax savings to subsidize benefits. Employers are not charged administrative fees on their savings.
What Does the Process Look Like to Get Started?
Implementation is a simple 3-step process: (1) Discovery & Eligibility Review, (2) Payroll Setup & Administration, and (3) Employee Onboarding via a guided digital process. Most companies are live within 2–3 weeks.
What Benefits Are Included in the Plan?
The plan includes unlimited virtual urgent care, 12 primary care visits per enrolled household member per year, unlimited common prescriptions at no cost, and 12 mental health counseling sessions. It also provides additional wellness resources, a MEC plan (with 3 in-person visits), hospital bill eraser, and a group whole life insurance policy if tax savings are sufficient.
What Kind of Prescriptions Are Covered?
Over 1,000 common generic prescriptions are included at no cost. Specialty or brand-only drugs may vary depending on availability.
Does This Affect My Take-Home Pay?
No. In many cases, employees see a slight increase in net take-home pay due to leftover tax savings after deductions are applied.
Unlock Cash Flow with the FICA Tip Credit (IRS §45B)
Maximize Your Hospitality Business Tax Savings
Many restaurant, bar, hotel, and hospitality owners are unaware they qualify for a significant IRS tax credit for tip-related payroll taxes. Through our specialized FICA Tip Credit program, you can recover thousands in tax refunds you’ve already paid—and potentially retroactively for past years.
What Is the FICA Tip Credit?
The FICA Tip Credit is a dollar-for-dollar tax credit (not a deduction) that reduces your actual tax liability by reimbursing you for the Social Security and Medicare (FICA) taxes you’ve paid on employee tips above the federal minimum wage.
Who Qualifies?
You may be eligible if your business meets the following:
You own a restaurant, bar, hotel, café, catering service, or similar hospitality business with tipped employees.
Your employees report tip income to you and you pay FICA taxes on that income.
You’ve filed IRS payroll and business tax forms for at least one of the past three years.
Eligible establishments include:
• Full-service restaurants
• Bars and nightclubs
• Hotels, resorts, and boutique inns
• Catering companies
• Coffee shops and cafes
• Valet and hospitality services
Benefits for Business Owners
Recover Past Overpayments
Many businesses unlock credits retroactively for up to 3 prior years, potentially adding tens of thousands of dollars in refunds with no extra work on your part.
Zero Upfront Cost
You pay nothing unless a credit is secured. Our contingency-based approach aligns our interests with yours: we get paid only when you get funded.
All claims are prepared and filed by experienced tax specialists compliant with IRS regulations—reducing audit risk and documentation burden on your team.
Compliance and Expertise
How It Works (Simple 3-Step Process)
Quick Eligibility Check
Fill out a brief form with basic business information.We Handle the Claim
Our CPA tax specialists compile the necessary IRS forms and documentation.Receive Your Credit
Once approved, you receive your FICA Tip Credit refund directly—enhancing your operating funds.
See What You Could Recover
Don’t Leave Money on the Table — Many hospitality businesses overlook this credit year after year. Average refunds for kitchen and front-of-house teams can amount to $20,000+ annually, with larger operations seeing substantially more.Ready to Maximize Your Tax Savings?
Ready to Maximize Your Tax Savings?
Start Your FICA Tip Credit Claim Today
Get a fast, no-obligation estimate of your potential IRS refund and begin the process in minutes.
Pay nothing unless you receive a credit.
Join thousands of businesses already saving with our Discover Card Settlement, FICA program, and credit card processing solutions.
Get started today!
