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Safe Harbor Match Plan

Guaranteed Maximum Deferrals for Every Employee

Case: Dr. Orin owns a dental practice, and has a few employees. He is looking for a way to increase employee retention, incentivize saving, and also maximize his salary deferrals.

Solution: By implementing a Safe Harbor Match Plan, Dr. Orin can contribute the IRS maximum each year, as well as provide a valuable benefit to his employees


Cross-Tested 401(k) Profit Sharing Plan

Maximize Discretionary Employer 401(k) Contributions

Case:  Leo owns an accounting firm and has a few employees.  He is unsure of what his annual revenues will be, so he would like to have some flexibility with his  contributions.

Solution: A combo 401(k) profit sharing plan would be ideal for Leo. He can contribute the maximum salary deferral, and can decide each year if he would like to make an additional profit sharing contribution.


Cash Balance - 401(k) Combo Plan

Maximize Qualified Retirement Contributions

Case:  Dr. Nick owns his own medical practice, and spent his resources building his business instead of saving for the future. He's approaching retirement age, and wants to make up for lost time. 

Solution: By combining a cash balance plan with a 401(k) profit sharing plan, Dr. Nick can contribute 3x to 4x more for his retirement than in a standalone 401(k).


Partnership Cash Balance and 401(k) Plan

The Ideal Solution for Partnerships

Case: Elle and Vince are partners in a law firm. Due to a series of successful cases, they are expecting an influx of cash this year, but they are unsure of future cash flows. They currently have a 401(k) profit sharing plan, but they are looking for a larger deduction this year.

Solution: Elle and Vince can set up a cash balance plan that includes past service that will work in conjunction with their existing 401(k) plan. This would allow them to make a higher contribution/deduction in the first year, and potentially reduce future contributions. 


The Solo Cash Balance and 401(k) Plan

Sole Practioner Retirement Program

Case:  Brian raises feeder cattle, and grows cash and food crops. He is looking to thin out his herd and sell off his stockpile of grain. Typically, he would take advantage of Section 179 and buy new equipment to reduce his tax burden; however, he does not want purchase additional equipment so close to his retirement.

Solution: Brian can set up a solo 401(k) plan and cash balance plan that will allow him to defer taxes until he would need to begin taking required minimum distributions, likely at a much lower tax rate. 


Contribution amounts are subject to change year to year based on changes in the census data. Cash Balance Plans are subject to contribution limits,

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