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Section 125 Plans

Payroll-Based Savings Strategy

πŸ’Ό Help Employees Take Home More While Reducing Employer Payroll Tax Costs

Legacy Tax & Resolution Services |Β  Β  Β  Β  Β  Β  Β  Β  Β  Β  Β  Β  Β  Β  Β  Β  Β  Β  Β  Β  Β  Β  Β  Β  Β Payroll Strategy Solutions

🎯 What We Help You Accomplish

Legacy Tax & Resolution Services partners with employers to evaluate and implement smart payroll-based strategies that create a win-win for both employers and employees:
  • βœ… Increase employee net take-home pay
  • βœ… Reduce employer matching FICA obligations
  • βœ… Add preventive care benefits
  • βœ… Avoid disruption to existing benefit plans

$150–$200

potential monthly employee net-pay increase

Up to $600

annual employer savings per eligible employee

πŸ₯ Preventive Care Benefits Included

  • 🩺 Annual wellness visits
  • πŸ§ͺ Preventive screenings and labs
  • πŸ’Š Prescription discount programs
  • 🧠 Mental health and wellness resources

$150–$200

Potential Monthly Employee Increase

$600

Potential Annual Employer Savings

Designed

With Compliance in Mind

$0

Direct Out-of-Pocket Cost

The Employer Challenge

πŸ’Ό Employers Are Being Asked to Do More with Less

Payroll costs keep rising. Employees need more take-home pay. Benefits are expensive. And most employers feel stuck between wanting to help their people and protecting the company’s bottom line.

The Core Challenge

Employers today face a three-sided squeeze:

Β 

  • πŸ“ˆ Rising payroll costs eating into margins
  • πŸ’° Employees needing more take-home pay
  • πŸ₯ Benefits becoming harder to afford and administer

The result? Most employers feel stuck β€” wanting to help their people while protecting the business.

πŸ” Breaking Down the Problem

πŸ’΅ Traditional Raises Are Expensive
  • Wage increases compound over time, creating long-term compensation pressure
  • Every dollar in gross pay triggers additional payroll tax costs
  • What feels like a generous raise often delivers less impact than expected to the employee
🏒 Benefits Are Getting Harder to Afford
  • Richer benefits = higher premiums
  • More options = more complexity and administrative burden
  • Employers are caught between wanting to compete and managing costs
πŸ‘₯ Employees Feel the Pressure Too
  • Inflation is eroding purchasing power
  • Healthcare costs continue to rise year over year
  • Even high performers are feeling financially squeezed

πŸ’‘ The Real Opportunity

The question isn’t just “how do we spend more?” β€” it’s:

“How do we deliver more value to employees without simply increasing gross payroll costs?”

βœ… More net pay in employees’ pockets

βœ… Less tax burden for both sides

βœ… Smarter benefit strategies that work harder


The employers winning today aren’t necessarily spending more β€” they’re spending smarter. 🎯

The RRS Solution

πŸ’Ό A Payroll-Based Strategy That Creates Value on Both Sides of the Paycheck

🎯 What This Strategy Does

This approach is designed to create a win-win outcome for both employers and employees by leveraging payroll structure optimization β€” improving financial outcomes without requiring additional spending from either party.

βœ… Core Benefits at a Glance

πŸ‘¨β€πŸ’Ό For Employers
  • πŸ“‰ Reduced payroll tax obligations (FICA, FUTA, SUTA)
  • πŸ’° Lower overall labor costs without reducing employee compensation
  • πŸ“‹ Compliance-driven implementation with managed oversight
  • 🏒 Improved benefits offering to attract and retain talent
πŸ‘· For Employees
  • πŸ’΅ Increased take-home pay without a raise in gross salary
  • πŸ₯ Access to preventive care benefits at little to no additional cost
  • πŸ“Š Potential reduction in taxable income
  • πŸ›‘οΈ Enhanced financial wellness and peace of mind

Employee Net-Pay Impact

Eligible employees may see $150–$200 more in monthly take-home pay through tax-free reimbursements.

Employer Payroll Savings

Employers may reduce matching FICA obligations by up to $600 per eligible employee per year.

Β 

Managed Implementation

We help coordinate education, communication, enrollment, and ongoing administration.

Preventive Care Benefits

The strategy includes access to additional preventive care benefits without disrupting existing plans.

Have Questions?

Want to Know If This Could Work for Your Company?

πŸš€ Next Steps

  1. πŸ“ž Schedule a no-obligation evaluation
  2. πŸ“Š Receive a customized savings analysis
  3. 🀝 Begin a managed implementation with full support
A Three-Way Win

Built to Benefit the Company, the Employees, and the Benefits Team

πŸ“Œ Why This Strategy Works

“The most effective employee benefits aren’t always about spending more β€” they’re about structuring smarter.”

Leverages IRS-compliant Section 125 frameworks and similar mechanisms

No disruption to existing payroll systems

Scalable for businesses of all sizes

Typically self-funding through tax savings generated

Payroll costs keep rising. Employees need more take-home pay. Benefits are expensive. And most employers feel stuck between wanting to help their people and protecting the company’s bottom line.

πŸ‘” For Employers

Key Advantages:
  • πŸ’° Potential payroll tax savings on benefit contributions
  • πŸ“ˆ Improved cash flow through more predictable benefit spending
  • 🎁 Meaningful employee benefit that supports recruitment & retention
  • βš™οΈ Low operational lift β€” minimal burden on existing workflows

πŸ‘₯ For Employees

What’s In It For Them:
  • πŸ’΅ More take-home pay for eligible employees
  • 🩺 Access to additional preventive care resources
  • πŸ›‘οΈ Enhanced health coverage options tailored to individual needs

πŸ—‚οΈ For HR & Benefits Teams

Built-In Support Includes:
  • πŸ“£ Communication assistance β€” messaging and materials provided
  • πŸ“‹ Enrollment coordination β€” guided process from start to finish
  • πŸ”„ Ongoing administrative help β€” continued support post-rollout
Have Questions?

Are You a CPA, Payroll Company, Broker, or Referral Partner?

We also partner with trusted advisors who want to bring this strategy to employer clients while letting our team support the technical presentation and rollout.

ROI Calculator

Estimate the Potential Impact

Enter the number of eligible employees to see a simple estimate of employee savings, employer savings, and combined annual value.

$ Savings Calculator

Calculation Based On:

  • Average $100/month per employee increased take-home pay
  • $800/year employer FICA savings per employee
  • Actual results may vary by employer and eligibility

Employee Savings

Monthly and annual take-home increase

Monthly Total $0
Annual Total $0

Employer Savings

Annual FICA tax reduction

$0

Total Impact

Combined annual value (employee and employer)

$0

Want to Review These Numbers With Us?

The calculator gives a simple estimate. A quick review can help clarify eligibility, implementation steps, and what this could realistically mean for your organization.

Simple Process

How It Works

We keep the process straightforward so employers can understand the opportunity, review the numbers, and move forward with clarity.

01

Review Eligibility & Savings Potential

We analyze your current payroll structure to identify potential savings opportunities specific to your workforce.

02

Strategy Design

Our experts design a customized payroll-based plan aligned with your company size, industry, and goals.

03

Implementation

We guide your team through a seamless rollout β€” minimal disruption, maximum impact.

04

Ongoing Support

Our team provides continued monitoring and compliance support to ensure lasting results.

Why Employers Work With Legacy

🎯 Strategic Benefits Implementation Framework

πŸ—οΈ Core Pillars of Our Approach

πŸ“‹ Compliance-First Structure

  • βœ… Documented strategy at the foundation of every engagement
  • βš–οΈ Tax and legal support integrated throughout the process
  • πŸ”’ Employers move forward with confidence and clarity
  • πŸ“ Full paper trail and defensible documentation at every step

πŸš€ Fully Managed Rollout

  • πŸ“£ Communication coordination handled end-to-end
  • πŸ“ Streamlined enrollment flow for a smooth experience
  • πŸŽ“ Employee education built into the implementation process
  • 🀝 We manage the complexity β€” you stay focused on your business

πŸ”„ No Disruption to Current Benefits

  • 🧩 Designed to work alongside existing programs and providers
  • πŸ›‘οΈ Current benefit relationships remain intact
  • ⚑ Additive strategy β€” enhances without replacing
  • 😌 Minimal friction for HR teams and employees alike

πŸ’° Clear Financial Impact

  • πŸ“Š Transparent value review before any commitment is made
  • πŸ‘” Employers see the potential impact upfront
  • πŸ‘₯ Employees understand what’s in it for them
  • πŸ” Informed decisions driven by real numbers, not guesswork
Proven & Trusted

πŸ† Recognized, Researched & Built for Serious Employers

πŸ“Œ Overview

This program is not just another payroll solution β€” it is a professionally validated, research-backed strategy designed for employers who take compliance, credibility, and savings seriously.

πŸ“° Media & Publication Recognition

πŸ”Ή CPA Journal Discussion
  • This payroll tax strategy has been featured and discussed in the CPA Journal
  • Recognized for its innovative approach to generating savings for both:
    • βœ… Employers
    • βœ… Employees
  • Signals professional-level credibility within the accounting and tax community
πŸ”Ή INC. Magazine Recognition
  • Our partners have received recognition from INC. Magazine
  • Specifically noted for the conceptual and architectural design of this program
  • Highlights the originality and innovation behind the program’s structure

βš–οΈ Legal & Tax Research Foundation

  • The program is supported by extensive legal and tax research
  • Designed to give employers a professional foundation for review
  • Provides confidence that the structure has been:
    • πŸ” Thoroughly analyzed
    • πŸ“‹ Professionally documented
    • πŸ›‘οΈ Built with compliance in mind

🎯 Who This Is Built For

Serious employers who want a credible, well-researched, and recognized strategy β€” not a shortcut, but a smart, validated approach to payroll tax savings.


πŸ’‘ Recognition from respected publications and backed by rigorous research means employers can review this program with confidence.

Get Started Today

See What This Could Mean for
Your Company

Schedule a personal consultation with one of our experts. No pressure, no pitch β€” just a practical conversation about whether this strategy could create value for your team.

Contact Us

Contact Our Team Directly

Phone:
(124) 456-7890
Email:
email@example.com

What to Expect πŸ“‹