Cash Balance Plans

A Powerful Retirement Strategy for High Earners. A Cash Balance Plan is a retirement plan that combines the stability of a traditional pension with the simplicity of an individual account structure. It is technically a defined benefit plan, but the benefit is presented as a growing account balance, making it easier to understand and manage.

Cash Balance Plans

A Powerful Retirement Strategy for High Earners. A Cash Balance Plan is a retirement plan that combines the stability of a traditional pension with the simplicity of an individual account structure. It is technically a defined benefit plan, but the benefit is presented as a growing account balance, making it easier to understand and manage.

Types of Cash Balance Plans

These plans are often used by business owners, professionals, and high-income individuals
who want to accelerate retirement savings while gaining potential tax advantages.

Explore plan options that support tax-efficient retirement savings.

Traditional Cash Balance Plan

Fixed employer contributions with guaranteed interest for predictable,
long-term retirement benefits.

Variable Interest Cash Balance Plan

Contributions plus interest tied
to an index or investment for potential higher growth.

Hybrid / Combination Plan

Contributions plus interest tied to an index or investment for potential higher growth.

Owner-Only Cash Balance Plan

Combines Cash Balance with 401(k) or profit sharing for flexible employee and owner benefits.

Types of Cash Balance Plans

These plans are often used by business owners, professionals, and high-income individuals
who want to accelerate retirement savings while gaining potential tax advantages.

Explore plan options that support tax-efficient retirement savings.

Traditional Cash Balance Plan

Fixed employer contributions with guaranteed interest for predictable, long-term retirement benefits.

Variable Interest
Cash Balance Plan

Contributions plus interest tied
to an index or investment for potential higher growth.

Hybrid / Combination Plan

Contributions plus interest tied to an index or investment for potential higher growth.

Owner-Only Cash Balance Plan

Combines Cash Balance with 401(k) or profit sharing for flexible employee and owner benefits.

Our Cash Balance Planning Flow

From contribution analysis to plan implementation a clear planning process.

Retirement Goals
Assessment

Cash Balance Plan
Design

Implementation
& Compliance Setup

Income &
Tax Analysis

Integration with Other
Retirement Plans

Ongoing Monitoring
& Optimization