Real Clients. Real Numbers.

Illustrative Retirement Plan Case Study for a U.S. Physician

These illustrative case examples show what the Designer DB Plus® strategy can look like for high-income business owners and professionals. Actual results vary by individual circumstances.

$100,000–$400,000+
Annual Deduction Range
3 Layers
Coordinated Strategy
37%+
Tax Rate Addressed
Featured Case Example

Physician Case Study

An illustrative walkthrough of the Designer DB Plus® three-layer structure for a high-income physician practice owner.

Designer DB Plus® Illustration

Physician Case Example

Illustrative scenario — not a guarantee of results

$350K
Total Contribution
$140K
Est. Tax Savings
$60K
Medical Reserve
Physician Profile
Age 52 Physician
Business owner • High-income professional
Annual Income
≈ $750,000
Designer DB Plus® Structure
Layer 1
Cash Balance Plan
≈ $250,000
Layer 2
401(k) + Profit Sharing
≈ $40,000
Layer 3
401(h) Medical Account
≈ $60,000
Annual Results
$350,000
Total Contribution
$140,000
Estimated Tax Savings
$60,000
Medical Reserve Funding
Potentially excluded from income when applicable requirements are satisfied
Owner Outcome: Majority of the $350,000 contribution is allocated to the business owner's retirement wealth — structured to maximize the owner's benefit within qualified plan guidelines.

Illustrative purposes only. This example is based on an age 52 physician with approximately $750,000 in annual income. Actual contribution limits, tax savings, and plan design depend on age, entity type, employee census, compensation structure, and existing plans. Results are not guaranteed. Consult a qualified tax and legal advisor.

Additional Examples

More Illustrative Scenarios

The Designer DB Plus® framework is designed to flex across industries, entity types, and income levels — from solo practitioners to multi-owner S-Corps.

Dental Practice

Endodontist Case

Age 49 • $1.5M net income • Dental practice

Deductible Contribution $1,168,952
Taxable Income Reduced To $307,048
Tax + Deferred Savings (Yr 1) $470,208
Retirement-Plan Layers $884,029
Medical-Benefit Reserve $284,923
Est. First-Year Tax Savings $470,208
S-Corp Owner

Construction Company

$797K net • S-Corp owner • Age 61

Deductible Contribution $561,627
Taxable Income Reduced To $188,675
Tax + Deferred Savings (Yr 1) $249,782
Retirement-Plan Layers $526,137
Healthcare Reimbursement Bucket $157,841
Est. First-Year Tax Savings $249,782
Solo Practitioner

Real Estate Agent

Age 53 • $500K net income • Solo agent

Deductible Contribution $262,000
Taxable Income Reduced To $190,400
Tax + Deferred Savings (Yr 1) $129,304
Retirement-Plan Layers $262,000
Result Lower taxes + medical planning
Est. First-Year Tax Savings $129,304

All figures are illustrative only. Actual results depend on individual circumstances including age, entity type, income level, employee census, existing retirement plans, and plan design choices. These examples are not a guarantee of any specific outcome. Work with qualified tax, legal, actuarial, and retirement-plan professionals before implementing any strategy.

How It Works

The Designer DB Plus® Framework

A structured multi-layer planning approach designed to convert business income into tax-efficient retirement and medical wealth.

$
Business Income
Starting point
%
Tax Deduction
Reduce taxable income
CB
Cash Balance
Core DB layer
401
401(k) / PSP
Stacked layer
Rx
401(h) Medical
Medical reserve
Retirement Wealth
Tax-advantaged outcome
Across Scenarios

Results at a Glance

Case ProfileNet IncomeDeductible ContributionEst. Tax SavingsRetirement Protected
Physician, Age 52$750,000$350,000$140,000$290,000+
Endodontist, Age 49$1,500,000$1,168,952$470,208$884,029
Construction Owner, Age 61$797,000$561,627$249,782$526,137
Real Estate Agent, Age 53$500,000$262,000$129,304$262,000