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Advanced Retirement Plan Design for Medical Practices Cash Balance Plans for Physicians and Medical Practices A cash balance plan may allow a qualifying physician or medical-practice owner to make substantially larger deductible retirement contributions than a 401(k) alone. Actual contributions and employee costs require actuarial analysis and depend on owner ages, compensation, physician and staff…

Advanced Retirement Plan Design for Dental Practices Cash Balance Plans for Dentists and Dental Practices A cash balance plan may allow a qualifying dentist or dental-practice owner to make substantially larger deductible retirement contributions than a 401(k) alone. Actual contributions and employee costs require actuarial analysis and depend on owner ages, compensation, associate and staff…

Advanced Retirement Plan Design for Law Firms Cash Balance Plans for Attorneys and Law Firms A cash balance plan may allow a qualifying attorney or law-firm owner to make substantially larger deductible retirement contributions than a 401(k) alone. Actual contributions and employee costs require actuarial analysis and depend on owner ages, compensation, associate and staff…

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…