Explore larger deductions.Build for your future.
A cash balance plan may let your business contribute more than a 401(k) alone, with a potential tax deduction. See what you could contribute in a free PDF.
Free PDF by email. A phone number is required; a call is optional. The PDF estimates contributions. It is not the tax you save.
After you send
- Your PDF goes to the email you enter.
- MPT may call or text you about your estimate.
- Nothing to book. Nothing is set up unless you ask.
My Pension Tree, LLC: 401(k) and cash balance plan consultants, with pension actuaries and plan administrators on the team. 25+ years of combined experience. Coral Gables, Florida.
Step 1 of 5 · YOUR BUSINESS
Who works in your business?
Your PDF estimates owner contributions. Employee costs need a separate review.
Owner-only and employer plans are designed differently; this sets which estimate you get and whether a spouse can be included.
An existing plan changes how a cash balance plan is added. MPT reviews it; this estimate stays the same.
Your free PDF estimate.
Answer a few questions about you and your business, and the PDF comes by email. The sheet shows what it covers.
- Your inputs
- Age · business type · pay or profit
- Contribution estimates
- 401(k) + cash balance
- Spouse estimate
- When included in your answers
- Potential deduction
- Estimated deductible total
Not sure which income to enter? The form explains it, step by step.
Get my estimateFive reasons owners add a cash balance plan.
- Contribute beyond a 401(k)
- Add a cash balance plan on top of your 401(k). Your age and pay set how much. An existing 401(k), SEP or SIMPLE IRA is reviewed before anything changes.
- A potential tax deduction
- Eligible contributions are generally deductible within plan limits. Where the deduction lands depends on how the business files.
- Tax-deferred growth
- Plan assets grow tax-deferred. Withdrawals are generally taxable.
- Keep your best people
- An employer-paid retirement benefit helps attract and keep key employees.
- The IRS paperwork, prepared
- MPT prepares the annual calculations, testing and required filings for you to sign.
Employees, solo or several businesses?
Showing A business with employees
Choose your situation:
Get your owner estimate first. MPT reviews employee costs with you separately.
Estimate your contributions. Add a working spouse for a second estimate.
The PDF estimates one business. Flag other businesses, co-owners or partners in the form; MPT checks whether they have to be counted together before any plan is designed.
Make sure it fits your cash flow.
- Annual funding
- Contributions are due every year. Your cash flow needs to support them.
- Service fees
- Setup and annual fees are separate from contributions.
- Business changes
- New hires or lower profits can change what the plan needs.
We design and run the plan.You make the decisions.
Services and fees are agreed before you start.
- MPTdesign and paperwork
- Plan design, annual calculations, testing and the filings you sign.
- Youdecisions and funding
- Share business details and fund the contributions.
- Your advisorstax and investments
- Your CPA confirms tax treatment; your advisor manages investments.
See what your business could contribute.
Free PDF by email. A call is optional.
Estimates are not guaranteed contributions, tax savings or a recommendation. Final design and funding require professional review.