Nevada NEST (Nevada Employee Savings Trust) is launching for employers with 5+ employees. Las Vegas and Reno area businesses should act now before enforcement begins.
Get Your Free Nevada Compliance Audit →Nevada NEST is Nevada's state-mandated retirement savings program. Nevada NEST (Nevada Employee Savings Trust) is launching for employers with 5+ employees. Las Vegas and Reno area businesses should act now before enforcement begins.
Employers who already offer a qualifying private retirement plan — such as a 401(k), SEP IRA, or SIMPLE IRA — are exempt from Nevada NEST requirements.
Learn more at the official state portal: https://nevadatreasurer.gov
Option 1 — Enroll in Nevada NEST: Register through the state portal and facilitate payroll deductions. This fulfills the mandate but doesn't maximize tax savings.
Option 2 — Set up a private plan (recommended): A qualifying 401(k), SEP IRA, or SIMPLE IRA exempts you from the mandate AND qualifies you for up to $15,000 in SECURE 2.0 Act tax credits over 3 years.
Key difference: A private plan belongs to your company. CalSavers/state plans do not. Private plans also attract and retain better employees.
The SECURE 2.0 Act (2023) gives small business owners massive tax credits for starting a retirement plan:
✅ Up to $5,000/year for 3 years for plan startup costs
✅ $1,000 per employee/year for employer contributions (up to 50 employees)
For many Nevada small businesses, this makes a private 401(k) free or nearly free — while exempting you from Nevada NEST requirements entirely.
NEST (Nevada Employee Savings Trust) is Nevada's forthcoming state-mandated retirement savings program for employers with 5+ employees.
Deadlines are expected in 2025-2026. Las Vegas-area employers should begin evaluating private plan options immediately.
Set up a 401(k) or IRA-based plan now. SECURE 2.0 Act credits can make this essentially free for small businesses.
Find out exactly what Nevada NEST means for your business — and whether a private plan saves you more money than enrolling in the state program.
Book Your Free 15-Minute Audit →