High-Impact Retirement Plans with Tremendous Tax-Saving Benefits

Defined Benefit (DB) plan is an IRS-approved qualified retirement plan that can enable self-employed professionals and small business owners with high incomes to substantially cut their tax bills.  Defined Benefit plans are similar to large company pension plans, but they can also be established for self-employed professionals. Cash Balance plans are a type of DB plan that work well for business owners with fewer than 10 employees.  IRS rules allow DB plan owners to make very large tax-deductible contributions each year–much more than permitted for IRAs or 401(k)s–thereby potentially saving DB plan owners tens of thousands of dollars in taxes each year.

Over the life of a Defined Benefit plan, a plan owner can potentially cut hundreds of thousands of dollars from his or her tax bill while rapidly and tax-efficiently building a multi-million dollar nest egg.

Advantages of Defined Benefit and
Cash Balance Plans

Large Contributions

Highest allowable tax-deductible contributions qualified plans

Huge Tax Savings

Owner can contribute larger amounts so have the potential for annual tax savings of $40,000 or more

Rapid Wealth Creation

Assets grow tax-deferred, building wealth faster

Small Business Friendly

Can be used by self-employed professionals or business owners with employees

Easy Rollover

Tax-free rollover to an IRA at retirement (or at plan termination)

Flexible Investments

We work with you to develop an investment strategy suitable for your circumstances

Simple Set Up

We walk you through the process from start to finish

Conservative, More Secure Investment Profile

Investments are tied to a conservative benchmark to avoid dramatic market fluctuations

Self-Employed Professionals And Business Owners Are Uniquely Suited To Open Defined Benefit and Cash Balance Plans

Defined Benefit (DB) plans are not as widely understood as IRAs or 401(k)s, perhaps because they are accessible only to a select group of individuals who are in the right circumstances. Self-employed professionals and small business owners are often good candidates to take advantage of the benefits Defined Benefit and Cash Balance plans offer because they typically:

  • Earn a high income
  • Pay a very high tax rate on their income
  • Have few expenses with little to no overhead . . . and therefore few available tax deductions

More Detail

Read more detail about these powerful tax and retirement savings options and find out if they will work for you.

Tax Savings

How much can you save? Take 1 minute to fill in our short Tax Savings Analysis form and we will help you find out.

Case Studies

Read how these plans have helped other self-employed professionals and business owners save tens of thousands.

About Us

We craft custom retirement plan solutions to maximize clients’ tax savings while rapidly building retirement wealth.

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