Business Owner Tax Deduction Case Examples | Retirement Actuarial Services Retirement Actuarial Services Business Owner Tax Deduction Case Examples Case examples make the concept concrete — but they are illustrations, not guarantees. The same income can produce very different opportunities depending on the facts. Case examples are one of the clearest ways to understand advanced…
Cash Balance Plan Contribution Limits | Retirement Actuarial Services Retirement Actuarial Services Cash Balance Plan Contribution Limits Cash Balance contribution limits are not one-size-fits-all. They are actuarially calculated from your age, compensation, and plan design — which is why a real feasibility study beats any online estimate. Cash Balance Plan contribution limits are one of…
Tax Strategy for High-Income Professional Firms | Retirement Actuarial Services Retirement Actuarial Services Tax Strategy for High-Income Professional Firms Professional firms share a common pattern: income rises faster than the retirement plan structure, leaving large deductions unused year after year. Doctors, dentists, attorneys, consultants, and CPA firm owners tend to share one thing in common:…
Designer DB Plus Explained | Retirement Actuarial Services Retirement Actuarial Services Designer DB Plus® Explained Designer DB Plus is a coordinated three-layer strategy that evaluates tax reduction, retirement accumulation, and medical planning in a single design. Designer DB Plus® is a coordinated three-layer planning strategy that may combine a Cash Balance Plan, a coordinated 401(k)…
Working With Your CPA on Advanced Plan Design | Retirement Actuarial Services Retirement Actuarial Services Working With Your CPA on Advanced Plan Design Advanced plan design touches deductions, payroll, cash flow, and entity strategy — which is why it should never happen in a vacuum, separate from your CPA. Advanced retirement plan design does not…
Retirement Contributions Beyond 401(k) Limits | Retirement Actuarial Services Retirement Actuarial Services Retirement Contributions Beyond 401(k) Limits Maxing out your 401(k) is the beginning of the conversation, not the end. Several layers can extend deductible contributions well beyond the standard limits. Once a business owner is already maxing out a 401(k), the natural next question…
Cash Balance Plan vs SEP IRA | Retirement Actuarial Services Retirement Actuarial Services Cash Balance Plan vs SEP IRA A SEP IRA is simple and cheap; a Cash Balance Plan is complex but can permit far larger deductions. The right answer depends on your facts — not product preference. The SEP IRA is where many…
401(h) Medical Reimbursement Planning | Retirement Actuarial Services Retirement Actuarial Services 401(h) Medical Reimbursement Planning A 401(h) account is a lesser-known layer inside a qualified pension plan that may fund tax-advantaged dollars for eligible retirement medical costs. A 401(h) account is one of the most overlooked planning layers available to business owners. It is a…
Cash Balance Plans for Business Owners | Retirement Actuarial Services Retirement Actuarial Services Cash Balance Plans for Business Owners A Cash Balance Plan is a defined benefit plan that reads like an account balance — and for the right owner it can unlock far larger deductible contributions than a 401(k) alone. A Cash Balance Plan…
Business Owner Tax Reduction Guide | Retirement Actuarial Services Retirement Actuarial Services Business Owner Tax Reduction Guide Once your income is consistent, your retirement plan often becomes one of the largest and most overlooked tax-reduction tools available to you. Most business owners focus on revenue first and taxes second — and that is understandable. But…
By Stephen Arnold, CRPS
Retirement Actuarial Services
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