Cash Balance Plans
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.
Is it a fit?
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.
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.
◆ 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.
The next step
Ready to see your numbers?
Every dollar you defer pre-tax keeps compounding tax-deferred. Bonnie designs the plan, runs the numbers for your age and income, and handles the filings. Use the calculator above to start the conversation.