Example: $100k wage earner

Salary Sacrifice Progam: $60,000

i) $19,500 Employer matching contribution

ii) $40,000 in to CRM Marketing Multiplier

Personal 401k Contribution funded by -loan from INVESTMENT CONGLOMERATE $19,500

Matching Contribution by Employer replaces sacrificed salary entirely and saves all income tax and all payoll tax – for both Employee and Employer