Cash Balance Plan

Maximize tax savings for Owners & Key Employees

Cash Balance Plans allow owners and key employees to contribute far more than traditional 401(k) limits — often $100,000 to $300,000+ per year, depending on age and income.

Pre-tax six figures possibleScales up with ageStacks on your 401(k)

An ascending staircase of stacked blocks, illustrating retirement savings growing higher with age.

Is it a fit?

Benefits of Cash Balance Plan

If your company is profitable and you're looking to:

Reduce taxable income
Accelerate retirement savings
Reward key employees
Strengthen your overall plan design

A Cash Balance Plan may be an ideal fit.

Explore Cash Balance Strategies

A small seed compounding into a larger form over time, illustrating long-term tax-deferred growth.

The next step

Ready to see your numbers?

A Cash Balance Plan can help you maximize tax savings and build long-term wealth. Use the calculator below to see your potential contribution — and start the conversation.

Estimate Your Cash Balance Contribution

A rough read in under a minute

How much more could you set aside?

This is an illustrative estimate, not an exact figure — the real number depends on full plan design. It's meant to show the order of magnitude a Cash Balance plan can unlock.

Estimate your Cash Balance upside

Three quick questions

A rough read on how much more you might set aside, pre-tax, each year.

Your age

Annual compensation

Currently maximizing your 401(k)?

◆ Rough additional savings

Potential extra pre-tax contribution · per year

$150,000

On top of your 401(k). A Cash Balance plan's limit rises with age — older, higher-earning owners can often contribute two to three times more, or much more.

Have you considered a Cash Balance Plan?

You're already maxing your 401(k) — a Cash Balance plan is often the next step for bigger pre-tax savings.

Rough estimate — illustrative only. Your actual limit depends on full plan design, and is confirmed with Bonnie on your call.