Cash Balance Hub for Physicians

Cash Balance

Cash Balance Plans — Overview

Cash Balance plans are IRS-qualified, employer-sponsored retirement plans that can be paired with a 401(k).
For owner-employees, they enable large, deductible contributions with predictable, age-aware benefits
when designed and tested correctly.


Explore the Physicians — South Florida Hub

When a Cash Balance Plan Fits

  • Owner(s) seeking six-figure annual contributions with strong deductibility.
  • Stable or predictable cash flow; ability to fund on a calendar.
  • Willingness to coordinate with an existing or new 401(k) for clean testing.
  • Comfort with actuarial funding ranges and annual plan administration.

How Design & Testing Work

We model the plan before adoption: owner targets, staff cost, interest credit method, and integration with 401(k) safe harbor/profit sharing.
Coverage and nondiscrimination are pre-tested so the selected formula passes cleanly.

Start Here

Cash Balance Hub — Physicians (South Florida)

Local proof, FAQs, and a 15-minute Fit Check for South Florida practices.

Open hub

Who Benefits & Why

Owner profiles, signals CB + 401(k) is a strong fit, typical outcomes.

Read

CB + 401(k) for Groups

Fair allocations, staff cost control, and passing nondiscrimination.

Read

Funding, Risk & Exit

Funding ranges, interest credit options, freeze/terminate paths.

Read

Talk with an actuary-led TPA.
We’ll confirm feasibility and show owner-vs-staff value in one pass.
Contact us