Let’s look at why some cash balance plan sponsors allocate a limited portion of plan assets to permanent life insurance for stability, funding efficiency and risk management, when done within the ...

For high earners racing to close a retirement gap, traditional 401(k) limits can feel like a ceiling on their future lifestyle. Cash balance plans quietly sidestep that ceiling, letting business ...

A growing number of doctors, attorneys, and small business owners are discovering that a lesser-known retirement strategy could help them save hundreds of thousands in taxes — and build a much larger ...

Most CPAs never raise this retirement strategy, and the reason is not that it's obscure. Running it legally requires a specialist that most accounting firms don't keep on retainer. Find the right ...

Stacking a Cash Balance Plan on a Solo 401(k) lets a 58-year-old solo consultant shelter $312,000 per year, saving roughly $118,000 in annual taxes. At 58, Cash Balance Plan contribution limits ...

October Three argues these specific cash balance options can achieve lifetime income through regular payouts to retirees. Financial insecurity can hurt retirees’ lifestyles and health, but ...

The standards board set a 60-day comment period for stakeholders to provide feedback on the proposal. The Financial Accounting Standards Board last week issued an exposure draft of a proposed ...

Source: October Three Consulting LLC. Past performance is no guarantee of future results. The value of in-plan cash balance plan annuitization: Note that the value of the cash balance annuity is 20–30 ...

Cash Balance Plan lets 55-year-old dentist shelter $280,000 annually ($80k Solo 401k plus $200k contribution), saving $98k federal tax at 35% rate. Establish plan before year-end with actuary; ...

A 55-year-old solo dentist nets $750,000 in pass-through income from her practice. She maxes her Solo 401(k) every year. She still owes well into six figures in federal tax. The question on ...