Maximize Retirement Savings Outcomes
Discover the Benefits of Cash Balance Plans
A cash balance plan is a type of IRS-qualified retirement plan known as a “hybrid” plan. Combining the high contribution limits of a defined benefit plan with the flexibility and portability of a defined contribution plan, they can be an ideal solution for business owners looking to reduce tax liabilities and accelerate retirement savings.
Cash Balance Expertise You Can Rely On
As one of the nation's leading experts in cash balance plan design, we specialize in creating plans that deliver significant tax advantages and retirement security for both plan sponsors and their employees. With proven strength in technology, innovation, and service, FuturePlan drives better retirement outcomes.
Experience the FuturePlan Difference
- Customized solutions: Tailored plans to fit the specific needs of large and small business owners.
- Expert support: A deep bench of experts including 75+ enrolled actuaries on staff plus 470 credentialed retirement professionals.
- Scale: National reach covering every state with 60+ sales consultants trained in cash balance plan design.
Download our Cash Balance Plan Case Study See how a small business contributed over $580,000 and saved $230,000 in taxes resulting in significant savings.
Grow Your Practice with Cash Balance Plans
For advisors interested in growing their practices, FuturePlan offers a specialized training program to equip them with the essential strategies to prospect and sell these sought-after plans.
Want more information about this program?
A Unique Retirement Solution
Key features of cash balance plans
- Reduced taxes: Corporate and personal tax savings can be significant and help enhance an organization’s bottom line.
- Accelerated savings: Accounts grow through employer contributions and an interest credit that is guaranteed, rather than being dependent on the plan’s investment performance.
- High contribution limits: Age-weighted contribution limits allow many high earners to double or triple their annual tax-deferred retirement savings.
- Creditor and asset protection: Cash balance plan assets are protected from creditors in the event of bankruptcy or lawsuits, providing peace of mind and security.
Who Should Consider a Cash Balance Plan?
Ideal candidates include:
High-earning companies and employees ($275,000+ annually)
CPA and law firms, medical groups, and professional firms
Closely held businesses and older business owners
Benefits of Cash Balance Plans
For plan sponsors
- Tax-deductible contributions
- A resource for attracting and retaining employees
- An experienced partner with a deep bench of retirement expertise
For employees
- Tax-deferred contributions and earnings
- Guaranteed benefit amount
- Account balance portability
Discover the Power of Cash Balance Plans
Explore one of the fastest growing plan types in the retirement market with our cash balance research report.
Request a Personalized Cash Balance Illustration
Are your clients looking to accelerate retirement savings and reduce tax burdens? Complete the form below to receive a customized illustration from a FuturePlan expert within 72 hours.