Key facts about Cash Balance Plans
Higher tax-deferred contribution limits compared to 401(k) plans
Compliance ensured through required actuarial certification
Steady investment growth with fixed interest credits
Designed for high-earning dental professionals seeking financial security
Filling gaps
A Cash Balance Plan enables dentists to build a significant retirement fund.
Offering structured employer contributions, professional investment management, and actuarial oversight to ensure compliance and long-term stability.
Many dentists struggle to save enough for retirement using only a 401(k).
Relying solely on a 401(k) can mean missing out on higher contribution limits and tax-deferred growth options.
Enhance your retirement
Cash balance plans offer a unique blend of retirement benefits, making them a compelling option for dentists and practice owners.
Higher contribution limits
Save more with tax-deferred contributions beyond 401(k) limits
Predictable growth
Guaranteed annual interest credits for stable retirement savings
Significant tax advantages
Lower taxable income while building long-term wealth
Flexible plan design
Tailored to suit different practice structures and business needs
Attract & retain talent
Competitive retirement benefits for employees
Actuarial compliance
Plans are professionally managed and require annual certification
Pairing with other plans
Can be combined with 401(k) profit-sharing plans and Pulled Employee Plans (PEPs)for enhanced benefits
Ready to work toward your future?