Business Cost Recovery & Benefits
We find the money already owed to your business.
SmartChoice Business Solutions helps owners cut payroll taxes, recover tip credits, lower utility bills, and build tax-advantaged retirement strategies — usually at zero cost to implement.
▶ WATCH — 2 min: What SmartChoice does for business owners
Our Programs
Five ways we put money back in your business.
Every program is built around the same idea: recover value that already belongs to you, with little to no disruption to how you already operate.
Section 125 Benefits
Quantum HB
A zero-cost employee benefits plan that lowers your payroll taxes while raising employee take-home pay.
$854 / employee / yr saved
See how it works →
IRC Section 45B
FICA Tip Tax Credit
Recover payroll taxes paid on employee tip income — for this year and the prior three.
$101K median refund
Check your refund →
$500K+ revenue
ER3 Plan
A private reinsurance strategy that lets owners Super Fund a Roth IRA with deductible premiums.
92% of Fortune 500 use private insurance
See the strategy →
Utility savings
Smart Water & Electric
Hardware that cuts water bills ~20% and electric bills 10–15% — with a money-back guarantee.
20% avg. water bill reduction
See both programs →
$854
Avg. employer FICA savings, per employee, per year (Quantum HB)
$11B
Unclaimed FICA tip credits every year, nationally
80%
Of insurance premiums that can be diverted to a Roth (ER3 Plan)
20%
Average water bill reduction with the Smart Valve System