Accelerate Your Retirement with a Cash Balance Plan
The powerful retirement strategy that allows business owners to contribute over $200,000 annually tax-deferred.
See If You QualifyWhy Choose a Cash Balance Plan?
Maximize your savings and minimize your taxes.
High Contribution Limits
Contribute significantly more than a 401(k) or SEP IRA—often $200k to $300k+ per year.
Tax Deductible
Every dollar contributed reduces your taxable income, potentially saving you tens of thousands in taxes.
Catch-Up Savings
Ideal for business owners over 40 who want to accelerate their retirement timeline.
How It Works
Assessment
We analyze your business structure and income to determine your maximum contribution.
Plan Design
We create a custom plan that integrates with your existing 401(k) to maximize benefits.
Implementation
We handle the paperwork and setup, ensuring your plan is compliant and ready to go.
Success Stories
"I was able to put away $240,000 last year and saved nearly $100,000 in taxes. It's a no-brainer."
"MyPensionTree made the process simple. I wish I had started this 5 years ago."
"The best way to catch up on retirement savings. Highly recommended for high earners."
Frequently Asked Questions
Yes. A Cash Balance Plan is a defined benefit plan, whereas a 401(k) is a defined contribution plan. You can often have both.
Generally, yes. However, plans can be amended or frozen if business conditions change significantly.
Yes, but you may be required to make contributions for them. We design plans to maximize the owner's share.
Calculate Your Potential Contribution
Find out exactly how much you can shelter from taxes this year.
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