Cash Balance Hub for Physicians in South Florida — Miami · Fort Lauderdale · West Palm Beach
Pension Services, Inc. designs coordinated Cash Balance + 401(k) programs for physicians and dental professionals across South Florida.
We deliver fast feasibility, clean testing, and contribution targets that fit real medical-practice cash flow.
Ultra-Custom Cash Balance for Physicians
Per-employee or class-based formulas (within compliance), coordinated with your 401(k), and pre-tested for coverage & nondiscrimination.
CPA or Advisor? We can partner or work direct—your choice.
Why PSI for South Florida Physicians
Serving Miami-Dade, Broward, and Palm Beach counties; office in Coral Gables.
- 108 practices in the Tri-County area — Miami-Dade 70, Palm Beach 22, Broward 16.
- Top cities: Miami, Coral Gables, Boca Raton, Miami Beach, Hialeah, South Miami, Pembroke Pines, Aventura, Delray Beach, Jupiter.
- Specialties we frequently design for: Internal Medicine, Surgery, Orthopedic Surgery, Diagnostic Radiology, Dentistry/Orthodontics, Dermatology.
These specialties are ideal for CB + 401(k)—enabling large, deductible contributions with predictable, age-weighted benefits and clean testing.
2 owners (52/49), 14 staff → Per-employee pay-credit tiers modeled; owner targets in low six figures with clean testing.
1 owner (57), 8 staff → Fixed interest crediting + tight funding range; integrated with 401(k) safe harbor.
How We Work with Doctors
Start with a 15-minute Fit Check. Then we model a coordinated CB + 401(k) design so the
whole program passes coverage and nondiscrimination at a reasonable staff cost.
- Step 1 Share ages, compensation, ownership, and staff counts.
- Step 2 Pick a funding range and interest credit aligned to risk.
- Step 3 Coordinate CB + 401(k) testing before adoption.
Quick Answers
What can a physician typically contribute to CB + 401(k)?
Owners often target low- to mid-six-figure totals depending on age, pay, and design. We model staff cost and testing up front.
Will my staff cost explode?
No—coverage and nondiscrimination are pre-tested so owner benefits stay high while meeting fair allocations.
How fast can we start?
Fit Check in 15 minutes; feasibility within days after we receive ages, compensation, ownership, and headcount.
What if I sell or become W-2?
We model freeze/terminate pathways and rollover options so your exit stays clean and compliant.
Start Here (English)
Ultra-Custom Cash Balance for Physicians
Per-employee / class-based formulas, clean testing, 401(k) integration.
Cash Balance for Doctors: Who Benefits
Typical owner profiles, why it fits, and key eligibility signals.
En Español
CB para Médicos: ¿Quién se Beneficia?
Por qué CB + 401(k) funciona para médicos de alto ingreso.
We’ll model owner vs. staff value, funding ranges, and testing in one pass.
Book a 15-minute Fit Check