We’ve worked with hundreds of ROBS plan clients, giving us the experience to anticipate challenges and keep your plan running smoothly. From initial setup to long-term compliance, Specialized Accounting Services (SAS) is the team that business owners across the country rely on.
ROBS Accounting and Compliance You Can Rely On
Rollovers as Business Start-Ups can be a smart way to fund your business.
They are also very strict.
Setting up a ROBS plan is only the beginning. Staying compliant requires accurate recordkeeping, consistent accounting, and proactive monitoring. We make sure every detail is handled so you can focus on running your business instead of worrying about IRS or DOL penalties.
Compliance is everything.
With ROBS, one mistake can cause major tax consequences. We ensure every report, filing, and accounting entry is correct and compliant, so your business is protected.
Recordkeeping matters.
ROBS requires meticulous documentation. We keep your records organized, audit-ready, and easy to access, giving you peace of mind and confidence.
Growth changes things.
As your business expands, so do your compliance needs. We help you adjust your ROBS accounting and reporting as ownership, structure, or funding changes over time.
We help you set up, manage, and protect your Rollovers as Business Start-Ups from day one.
Detailed Recordkeeping
Every transaction tied to your ROBS plan is tracked and documented properly, keeping you audit-ready at all times.
Ongoing Accounting
We manage day-to-day accounting with your ROBS compliance in mind, ensuring books stay accurate and consistent through our Monthly Accounting services.
Tax Planning & Compliance
Our tax team understands the unique rules for ROBS plans and keeps your filings accurate and timely.
Regular Reporting
From annual valuations to required plan reports, we make sure everything is prepared and submitted on schedule.
Partner Coordination
We work directly with your attorney, plan provider, and other partners so you don’t have to act as the go-between.
Compliance Monitoring
We stay ahead of IRS and DOL requirements, watching for changes that might affect your plan and updating your reporting accordingly.
Growth & Due Diligence Support
Whether you’re raising capital, adding partners, or preparing for an exit, we make sure your ROBS plan keeps pace with your business.
Why ROBS Clients Choose SAS
Before SAS
- Constant worry about IRS penalties
- Records are messy, scattered, and audit fears loom
- Hours wasted trying to manage accounting, reporting, and taxes
- IRS and DOL rules feel confusing and overwhelming
- Deadlines are unclear and easy to miss
- You feel alone juggling compliance, legal, and accounting tasks
After SAS
- Full compliance handled by experts who specialize in ROBS
- Organized, audit-ready records at your fingertips
- Books, reports, and taxes managed so you can focus on growth
- We track and meet every regulation and filing requirement
- All ROBS-specific reports submitted on time, every time
- Direct coordination with attorneys and providers so you’re not stuck in the middle
We’re the ROBS Accounting Experts Business Owners Trust Nationwide
We Work With Over
700+ ROBS Clients
Every Year
700+ ROBS Clients
Every Year
Top-Rated
5-Star Reviews
On Google
5-Star Reviews
On Google
We Help ROBS Clients
Avoid Thousands in
Potential Penalties
Avoid Thousands in
Potential Penalties
Quick ROBS Accounting FAQs
Is ROBS legal?
Yes, when set up and managed correctly. The key is following the rules and keeping proof.
Can you work with my attorney or provider?
Absolutely. We coordinate with your legal and plan partners to ensure seamless compliance.
What is a ROBS plan, and how does it work?
A ROBS lets you use funds from a qualifying 401(k) or IRA to fund a business without early withdrawal taxes or penalties. You form a C Corporation, establish a new 401(k) for it, roll your retirement funds in, and the plan purchases stock in the corporation. Legal — but strictly regulated by the IRS and DOL.
What are the ongoing compliance requirements for a ROBS plan?
Annual 401(k) administration, Form 5500 filings with the DOL, annual business valuations, accurate bookkeeping that separates ROBS transactions, and consistent corporate formalities — board minutes, stock records. Missing any of these can disqualify the plan, triggering the taxes and penalties ROBS was designed to avoid.
What happens if a ROBS plan falls out of compliance?
The retirement funds may be treated as a taxable distribution, income tax on the full amount plus a 10% early withdrawal penalty if you were under 59½. Excise taxes may also apply. The consequences are severe, which is why proactive monitoring is not optional.
Don’t Let One Mistake Put Your ROBS at Risk
Our team makes sure your ROBS plan stays compliant, your records stay organized, and your business avoids costly penalties. With SAS, you can run your business knowing your ROBS plan is safe in expert hands.