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Could a ROBS fit your situation?

Answer eight private questions about rollover availability, C corporation fit, owner involvement, business use, risk, administration, and employee plan duties. The result is an educational screen, not a legal, tax, fiduciary, valuation, provider, or investment determination.

Answer eight ROBS fit questions

This check looks for common ROBS blockers first, then weighs the remaining fit factors. A No answer to a core requirement controls the result. When no blocker is present, the point total shows whether a professional review or a financing comparison is the more useful next step.

What the score means: Yes answers add 2 points. Non-core No answers add 0 or subtract 2. Core No answers subtract 4 and control the result.
Result ranges: No blockers and 12 to 16 points: consider professional review. No blockers and 0 to 10 points: compare other funding paths.
Privacy and sources: Scoring stays in your browser. Rules version 2026-07-25; IRS and DOL source checks were completed July 25, 2026.

Question 1 of 80% complete

Do you expect to roll at least $50,000 of retirement money into the new plan?

There is no IRS minimum dollar amount for a ROBS arrangement. This screen uses $50,000 as an economic-fit threshold because fixed setup, administration, valuation, and filing costs can be disproportionate below that level.

Browser-only privacy: your answers stay in this page's temporary state. The tool does not send answers to a server, save them in local storage, set cookies, request contact information, or match you with providers.

Questions and scoring rules

The result comes from these eight answers. The point values are shown so you can see why a result changed, and core blockers are marked because they override the total score.

Rollover size

Yes: +2
No: 0
Blocker: No

Rollover source

Yes: +2
No: -4
Blocker: Yes

C corporation

Yes: +2
No: -4
Blocker: Yes

Founder employment

Yes: +2
No: -4
Blocker: Yes

Operating business

Yes: +2
No: -4
Blocker: Yes

Retirement concentration risk

Yes: +2
No: -2
Blocker: No

Ongoing administration

Yes: +2
No: -2
Blocker: No

Employee plan rights

Yes: +2
No: -4
Blocker: Yes

What this check cannot decide

This private screen cannot determine your legal eligibility, rollover availability, plan qualification, adequate consideration, prohibited-transaction risk, valuation support, lender acceptance, franchise suitability, or tax consequences.

Pause for document-level review if source-account terms are unavailable, the business will not be a C corporation, the founder will not be an employee, funds would support passive or personal use, employees may be excluded, or required plan and corporate records cannot be maintained.

Recheck the assumptions if IRS ROBS guidance, IRS rollover or RMD guidance, DOL fiduciary guidance, Form 5500 rules, or the site's minimum-investment and cost assumptions change.

Where to go next

Eligibility requirements Eligible retirement accounts Minimum investment ROBS costs and fees ROBS risks Employee duties Alternatives Providers Funding calculator

Primary source checks

IRS ROBS compliance project: IRS description of ROBS arrangements and recurring issues involving valuation, Form 5500, Form 1120, employee access, promoter fees, business failures, and determination-letter limits.
IRS ROBS examination guidelines PDF: IRS examination framework for qualification, employer securities, adequate consideration, disqualified persons, prohibited transactions, valuation, and plan operation.
IRS rollover chart: Official account-to-account rollover reference, including restrictions for Roth IRAs and plan-to-plan rollovers.
IRS required minimum distributions: IRS statement that required minimum distributions cannot be rolled over.
Department of Labor fiduciary responsibilities: DOL explanation that plan fiduciaries must act solely in participants' and beneficiaries' interests and follow plan documents.