Cash Balance Plans are one of the most popular plans in the retirement space. Whether you have experience with these plans or are a newbie, we have the tips that will help you structure a plan.
Take a look at our answers to your cash balance plan FAQs and then feel free to dig a little deeper below.
New to cash balance plans? Download our Cash Plan Plan Guide
Cash Balance Plan Topics
We’ve divided our cash balance plan information into seven categories. Click on the category below that interests you, or simply scroll down for a full list of our articles and posts.
- Cash balance plan basics
- Cash balance plan tax issues
- Companies best suited for cash balance plans
- Cash balance plan strategies
- Cash balance plan custodians
- Cash balance plan advanced topics
- Cash balance plan videos
Cash balance plan basics
These articles discuss some of the general concepts of how the plans work. Use them to gain an understanding of plan basics and structuring ideas.
- What is a Cash Balance Plan? The Surprising Truth
- 10 Things To Do If You Can’t Fund Your Defined Benefit Plan
- Solo Cash Balance Plan: A Powerful One Person Strategy!
- What Does a Cash Balance Plan Cost? Pricing & Fees [Infographic]
- Cash Balance Plan TPA: 3 Rules to Hiring the Right Administrator
- 401k Cash Balance Plan Combo: The Little-Known Structure
Cash balance plan tax issues
The #1 reason that business owners set up these plans is to defer taxes. The posts below will explain to to best structure the plans for tax purposes.
- Cash Balance Plan Tax Deduction for 2021
- How to Deduct Cash Balance Plan Contributions on Your Tax Return
- The #1 Tax Strategy For Active Traders [Step by Step]
- Cash Balance Plan Contribution Limits for 2021 [Table]
Companies best suited for cash balance plans
Cash balance plans aren’t for everyone. In the posts below, we will show you what types of companies are best suited for these plans.
- Cash Balance Plan for S Corp ≈ The $1 Million Rule
- Defined Benefit Plans for Law Firms: 3 Surprising Examples
- Top 5 Retirement Strategies for High Income Business Owners
- Defined Benefit Plans for Physicians: The $1 Million Plan
- Cash Balance Plan For Self-Employed: 5 Easy Steps to $100k
Cash balance plan strategies
There are some tips you can use to get the plan structured correctly. Let’s take a look at some of the strategies that you can implement to get the most of a plan.
- Cash Balance Plan IRS Rules: 10 Easy Strategies to $1 Million
- Cash Balance Pension Plan: The #1 Contribution Guide
- 5 Brilliant Cash Balance Plan Strategies for the Sole Proprietor
- Cash Balance Plan Pros and Cons: An Easy 2021 Comparison [Table]
- Cash Balance Plan Minimum Contribution: 5 Surprising Options
Cash balance plan custodians
Once your plan is set up you need to use an investment platform. Here is some information regarding the custodians and advisors that we work with.
- Fidelity Cash Balance Plans: The #1 Question to Ask
- Etrade: How to Set Up Your Defined Benefit Plan Account
- How to set up your defined benefit plan account with Vanguard
- The Quick Step Guide to Setting Up Your Cash Balance Plan Account at Charles Schwab
- The Simple Guide to Setting Up a Cash Balance Plan at Fidelity
- Defined Benefit Plan Providers: Taking a Look at Fidelity, Vanguard and Schwab
- Schwab Defined Benefit Plan: The #1 Question to Ask
- Vanguard Defined Benefit Plan: The Quick Step Guide
Cash balance plan advanced topics
Do you understand the basics? Well then let’s move on to some more advanced topics.
- Overfunded Cash Balance Pension Plan? Here’s the Game Plan
- Cash Balance Plan Interest Crediting Rate: Here Are Your Options
- Cash Balance Plan Vesting: The Complete Guide
- Cash Balance Plan Formula: The Simple 5 Step Process
- Self-Directed Cash Balance Plan: Can You Do It?
- The RMD Guide for Defined Benefit Plans & Cash Balance Plans
- Terminating a Defined Benefit Plan: Our 10 Step Process
- Buying Gold & Precious Metals With Your Defined Benefit Plan or Cash Balance Plan
- Can I Invest In Real Estate With My Cash Balance Plan?
- Cash Balance Plan Loans: How to Borrow from a Plan
Cash balance plan videos
If you just want to watch videos, that is fine. Take a look at some of the videos that we have below.
- Cash Balance Plan Pros and Cons: Examining the Advantages & Disadvantages
- Life Insurance In a Cash Balance Plan: Tips and Strategies
- The Best Cash Balance Plan Tax Strategies | A Close Look at the Tax Deductions & Benefits
- 10 Strategies to Maximize Cash Balance Plan Contributions | Solo & One Person Plans
- Cash Balance Plan Contribution Limits: Minimums, Maximums and Lifetime
- Terminating a Cash Balance Pension Plan: What You Need to Know
- Can a Defined Benefit Plan be Combined with a 401(k) Plan? The Surprising DB Plan Combo
- Hiring a Cash Balance Plan TPA: 3 Critical Tips
So there you have it! Our ultimate guide to cash balance plans.Are you looking to get over $100,000 into retirement? Get a FREE Illustration showing your contribution and tax savings today. See for yourself why our plans are one of the best tax deferrals!