Backed by Attorneys

FICA Maxx was created to level the playing field for small business owners, entrepreneurs, and independent professionals.

With decades of experience in business leadership, payroll systems, and financial strategy, our team knows firsthand how overwhelming taxes and compliance can feel.

That’s why we partnered with a specialized team of attorneys who designed this program to meet strict IRS and Department of Labor (DOL) standards—bringing Fortune 500-level solutions to businesses of every size.

Our mission is simple: help business owners keep more of what they earn, operate with confidence, and grow with clarity.

Payroll Tax Savings

Unlock proven IRS-compliant strategies that lower your FICA tax burden while keeping your team whole.

Compliance Simplified

Navigate IRS and Department of Labor regulations confidently with attorney-backed plan designs.

Boost morale and retention with flexible, tax-advantaged benefits your team will love.

Employee Benefit Enhancements

Tailored Plan Design

Done-For-You Implementation

Transparent Pricing

Flat, simple fees. No surprises, no games—just savings.

From assessment to rollout, we handle the heavy lifting so you can focus on growth.

Every solution is customized to fit your company size, goals, and unique structure.

What We Do

FICA MAXX delivers simple, attorney-designed solutions to maximize payroll, minimize taxes, and give your business a competitive edge.

FICA MAXX turns mandatory payroll taxes into immediate savings — boosting employee paychecks while lowering employer costs.

Problem → Promise

The Problem

Payroll costs keep climbing. Employees feel it first.

❌

Employers are squeezed by rising costs. Employees are squeezed by taxes and inflation. Giving raises isn’t always possible—and it rarely solves the root issue.

Our Promise

Keep more. Build more.

✅

• Increase employee take-home pay—without increasing gross payroll.

• Lower employer payroll tax burden, compliantly.

• Deploy fast. Measure impact from the first payroll cycle.

❌ vs ✅

Outcomes

What employers experience: Up to $429 per employee per year in savings.

For Employees

• More take-home pay in every paycheck

• Boost pay without waiting for tax season

• Extra cash flow today, not someday

For Employers

• More take-home pay in every paycheck

• Boost pay without waiting for tax season

• Extra cash flow today, not someday

For Everyone

• Benefits that serve both sides

• Simpler, compliance-first design

• Shared wins: stronger businesses & happier employees

Real Case Studies

Real People

It Really Works

$429

Annual employer savings per eligible employee (mid-size company example).

Total yearly savings modeled for a 72-employee client.

Average daily savings per employee across a 250-person workforce.

$30,892

20x ROI

Return on investment based on compliance-first plan design.

$1.17 / day

*Social Proof, Case Study

Compliance is The Foundation

Your built your business, we are here to enhance it.

Plans are designed under IRS Section 125 and applicable benefits regulations.

We coordinate with your payroll provider and benefits administrators to ensure accurate, auditable implementation.

Payroll & deduction mapping

Eligibility rules & nondiscrimination testing

Solutions that help everyone keep more.

Section 125 Premium-Only Plan (POP)

ICHRA (Individual Coverage HRA)

Blended Optimization

At FICA MAXX, we tailor compliant strategies that lower payroll costs for employers and raise net pay for employees. Every engagement starts with a data-driven assessment.

Pre-tax employee contributions for eligible benefits reduce taxable wages, lowering employer FICA and employee taxes while preserving benefits quality.

• Lower employer payroll taxes

• Increase employee take-home pay

• Fast to implement

Offer tax-advantaged reimbursements for individual health coverage with flexible classes and budgets—ideal for variable or distributed workforces.

• Flexible, class-based design

• Cost-predictable for employers

• Portable for employees

We combine Section 125, ICHRA, and other compliant tools to match your workforce and financial objectives.

• Custom fit to your payroll/benefits stack

• Clear ROI modeling

• Ongoing support

From assessment to impact in three steps.

Every employer’s situation is unique, but the path to savings is always simple.

Here’s how we deliver measurable results quickly and compliantly.

Assessment

Plan Design

Onboarding & Support

Share recent payroll and benefits data. We identify eligibility, model savings, and outline compliance requirements.

We help educate employees, coordinate enrollments, and monitor the first payroll cycle to confirm results.

We finalize documents, eligibility rules, and payroll mappings. You approve the implementation plan.

Easy As 1, 2, 3