Cash Balance Plans are terrific for high income earners, individuals and business owners with an income of $250,000 or more of annually.

Reducing taxes and accelerating retirement benefits and savings is what we do. Business Owners and Partners can often more than triple their annual pre-tax retirement savings when a Cash Balance Plan is added to a 401 (k) Profit Sharing Plan. 

As a business owner or co-owner we understand that sometimes when you are growing your practice or business you are reinvesting much of your profits back into the business itself and the focus on growing your own retirement accounts may have been put on the back burner.

Traditional retirement plans have contribution limits and even with the IRS permitted catch-up contributions above the age of 50 it is still not enough to provide you with the retirement assets you need. Furthermore, most traditional retirement plans have certain non-discrimination guidelines that are cumbersome for small business owners. 

Cash Balance Plans are a hybrid plan that combine the principals of tax-deferral and profit sharing but are individually designed, produced and managed by a team of experts that help each member reach their retirement savings goals.

There’s no one-way to define a Cash Balance Plan as it will be unique to each client. That is why it is so important to surround yourself with experts in the field of Tax Law, Plan Design and Administration, Risk Management and Actuary Tables.

By partnering with our firm you will have access to all of these experts. If you’d like to learn more about Cash Balance Plans and the services our firm provides please contact us to set up a private, no-cost, no-obligation consult today.

We are part of a national network of Advisors, Advanced Planning Specialists, CPAs and Actuaries. We are happy to work with your CPA and other trusted Advisors.


As Accelerated Retirement Planning experts we work with only the best Third Party Administrators (TPAs) and Actuaries who have a proven record with Cash Balance Plans, and we have long-term working relationships with the best in the business.

There are two types of consultants and administrators of pension and 401k plans:  TPAs and Actuaries who are also TPAs

Third Party Administrators (TPAs) are not required to be licensed by the IRS and cannot represent the client before the IRS for any reason. They have no professional liability insurance and can be anybody with any background. 

We prefer to work with Actuaries who are also TPAs for the following reasons: 

  • They are licensed by the IRS and can represent the client in Federal or State Court.
  • They can handle IRS audits and sign the Plan Tax Returns.
  • Only Actuaries can certify Plan Assets as required by IRS Form 5500 for Cash Balance Pension Plans.
  • They have professional liability insurance.

Our Actuaries are recognized by certain professional organizations as experts in the profession such as: 

  • Member of American Society of Pension Actuaries (requires exam and background check).
  • American College of Pension Actuaries (exam and background)
  • American Association of Actuaries (exam and background),
  • Fellow of the Conference of Actuaries (exam and background).  The Fellow category is recognized as the highest level of certification in the industry

Tel. (267) 405-6166
Toll-free. (855) SAFE-006