Cash Balance
Talk with an actuary-led TPA.
We’ll confirm feasibility and show owner-vs-staff value in one pass.
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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.
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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.
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Cash Balance Hub — Physicians (South Florida)
Local proof, FAQs, and a 15-minute Fit Check for South Florida practices.
We’ll confirm feasibility and show owner-vs-staff value in one pass.
Contact us