Cash Balance Pension Plans

Cash balance plans are a type of defined benefit pension plan that allow business owners and self-employed professionals to contribute significantly more on a pre-tax basis than is possible through a 401(k) alone. For high-income owners, the combined contribution potential of a cash balance plan paired with a 401(k) can be substantial.

• Plan design and actuarial coordination
• Integration with existing 401(k) or profit-sharing plans
• Contribution strategy based on owner age and income profile
• Employee impact analysis and plan cost modeling
• Tax deduction planning coordinated with your CPA

Contribution limits depend on age and plan design. Contact us to discuss whether a cash balance plan is appropriate for your situation.