Design Your Optimal
Pension Strategy
Setting up a new Cash Balance Plan? Visualize how the right asset mix can maximize your tax savings from Day 1 and protect your allowable contribution space.
Built on Trusted Standards
From your inputs to an individual review
1. Inputs
Set age, income, tax rate, and plan year.
2. Estimate
Review the modeled contribution and tax savings.
3. Individual review
Take the estimate to an actuarial conversation.
Base Assessment
Enter your baseline details so our system can calculate your target maximum contribution.
Your Projected Baseline
Base Allowable Target
Est. Target Tax Savings
New Pension Planner: The "Bucket Analogy"
Visualize how "excess returns" in the market dramatically shrink the amount you are allowed to contribute to your pension. Adding Whole Life Insurance (Split Funding) locks in a slower, steadier return, expanding your contribution bucket.
Plan Variables
Moving plan assets to a steady 3.0% yield
If your stocks/crypto overperform expectations
Potential Allocation
Without an insurance component, your allowable contributions are highly vulnerable to being reduced if your market investments overperform.
Under The Hood
Base Data Locked In
Using values from your assessment
The Pension Bucket
Your overall bucket size is fixed. When excess returns jump up, they squeeze out the space meant for your tax-deductible contributions!
Approaching LimitsReturns are above target. Watch contribution levels to avoid being overfunded.
* The projections generated by this calculator are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Please consult an independent tax or financial advisor before making any decisions based on this representation.
Ready to Implement Your
New Pension Strategy?
Our actuarial team will build a custom analysis for your specific business entity, modeling your estimated tax savings and the effect of the recommended asset allocation.
No Obligation • 100% Free Assessment
The figures are educational estimates, not a guarantee of contribution or tax savings. Final recommendations depend on your full facts, plan design, and actuarial review.
Tax Deductions & FAQ
Understand exactly how and where your pension contributions impact your tax returns — covering S-Corp, Sole Prop, Partnership, and W-2 earner filers.