Stop Overpaying Taxes on Your Locum Earnings
Discover how Locum Doctors are saving up to $100k+ annually in taxes with a Cash Balance Pension Plan.
Calculate Your SavingsAs Seen In & Trusted By
Why Locum Doctors Choose Cash Balance Plans
The ultimate tax-advantaged strategy for high-income self-employed physicians.
Massive Tax Deductions
Contribute $100k - $300k+ annually, reducing your taxable income dollar-for-dollar.
Accelerated Retirement
Compress 20 years of retirement savings into just 10 years with higher contribution limits.
Asset Protection
In many states, assets in a Cash Balance Plan are protected from creditors and malpractice suits.
How It Works
Check Your Eligibility
Take our free 2-minute assessment to see if you qualify for a Cash Balance Plan.
Design Your Plan
Our actuaries design a custom plan tailored to your income and retirement goals.
Start Saving
Open your account, make contributions, and watch your tax bill drop significantly.
Trusted by Doctors Nationwide
"I was skeptical at first, but MyPensionTree helped me save over $85,000 in taxes my first year. It's a game changer for locums."
"The process was incredibly smooth. They handled everything from design to administration. Highly recommended!"
"Finally, a tax strategy that actually works for high earners. I wish I had started this years ago."
Frequently Asked Questions
Yes. While a SEP IRA is a great tool, it has lower contribution limits (approx. $66k). A Cash Balance Plan sits on top of a 401(k) and allows for much higher contributions, often exceeding $200k+ annually depending on your age and income.
No, you do not need employees. In fact, these plans often work best for owner-only businesses or independent contractors like Locum Doctors.
The money is for retirement, so there are penalties for early withdrawal before age 59½. However, you can roll it over into an IRA if you close the plan.
Fees vary based on plan design, but the tax savings usually outweigh the costs by a significant margin. We offer a free proposal to show you the numbers before you commit.
Don't Let Taxes Eat Your Hard-Earned Income
See exactly how much you can save. It takes less than 2 minutes.
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