Stephen Arnold, a seasoned expert in retirement planning with over 20 years of experience, is the founder and CEO of Retirement Actuarial Services. With his CRPS (Chartered Retirement Plan Specialist) designation and a Series 65 Uniform Investment Adviser Law license, Stephen is recognized for his deep expertise in designing and managing retirement plans across various sectors. In his book, Designer DB Plus: Game-Changing Tax Reduction & Retirement Strategy: For Today's Small Business Owner, Stephen introduces the innovative Designer DB Plus plan. This method upgrades retirement planning by blending Cash Balance Plans, 401(k)/Profit Sharing, and the tax-free medical benefits of 401(h) plans. It offers guidance to help small business owners maximize their contributions and deductions. Stephen's approach provides a powerful way to build robust retirement accounts and prepare for a secure business exit, empowering business owners to take control of their financial futures confidently.