Dan L. Rossa
The Operator
Execution, delivery and performance, gets the hard thing done.
Dan L. Rossa operates as The Operator because his authority lives in regulatory mechanics and plan-design sequencing rather than abstraction. He works in eligibility thresholds, penalty schedules, and the precise moment a solo 401(k) loses its structure. Leading the Corporate Retirement Planning Group at Ritholtz Wealth Management, he moves clients through complexity with procedural clarity, flagging enforcement trends and structural traps before they harden into costly errors. Execution, in his hands, is the strategy.
“The SEP is just simpler, and it's often the first thing that your CPA is going to mention. Solo 401K with a megabackdoor Roth feature has also gotten more popular in recent years.”
“Once you have a W2 employee that becomes eligible, it's no longer a solo K and it's going to be hard for the owner to max out without contributions to that employee.”
“The penalties are insane — it's two hundred and fifty dollars a day up to one hundred and fifty thousand dollars. In recent years we've actually really seen an uptake in enforcement of these penalties.”
Masters in Business: “At The Money: How to Max Out Your Small Business Retirement Plan”
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