Cash Balance Plan Actuary NH
    Tax-Advantaged Retirement

    Cash Balance Plan Design for High-Income Business Owners

    Accelerate your retirement savings with custom-engineered Cash Balance Plans allowing $100K–$300K+ in annual tax-deductible contributions.

    What is a Cash Balance Plan?

    A Cash Balance Plan is a type of IRS-approved defined benefit pension plan that acts much like a traditional 401(k) but with significantly higher contribution limits. It is the ultimate tool to reduce taxes in retirement plans for business owners.

    Unlike a standard 401(k) or SEP IRA, which cap your annual contributions, a Cash Balance Plan allows high-income earners to contribute $100,000 to over $300,000 annually, depending on age and income. Every dollar contributed is tax-deductible, slashing your current year tax liability.

    Who is it Ideal For?

    As a cash balance plan actuary in Exeter NH, we design plans specifically for:

    • Medical & Dental Practices: High revenue partners looking to maximize tax deductions.
    • Law Firms: Partners who want to accelerate retirement savings in a short window.
    • Solo Consultants & Self-Employed: Independent professionals generating consistent high profits.
    • Established Small Businesses: Owners with steady cash flow seeking massive tax relief.

    Our Actuarial Design Process

    01. Discovery

    We analyze your financial goals, business structure, and tax situation.

    02. Engineering

    Our actuaries model multiple scenarios to find the optimal plan design.

    03. Implementation

    We coordinate with your advisors to launch and fund the plan seamlessly.

    04. Compliance

    Annual valuations and certifications keep your plan in perfect standing.

    Contribution Potential

    Approximate maximum annual contributions by age (subject to IRS limits):

    Age 40~$120,000
    Age 50~$190,000
    Age 60~$290,000
    Age 65~$340,000

    Frequently Asked Questions

    Kongruent's plan design starts at $2,500/year, which includes custom plan engineering, annual actuarial valuation, AFTAP certification, and Form 5500 / Schedule SB preparation. Setup costs are typically included in the first year's fee.

    Contributions are age-weighted. Older business owners can often contribute $100,000 to over $300,000 annually, which significantly exceeds the limits of a standard 401(k) or SEP IRA.

    Most plans can be designed and ready for implementation within a few weeks once financial data is provided. We recommend adopting plans before your fiscal year-end to maximize the current year's tax deduction.

    Yes. Solo consultants and self-employed professionals are excellent candidates for a solo Cash Balance Plan, allowing them to catch up on retirement savings faster than a Solo 401(k) alone.

    Ready to Maximize Your Tax Savings?

    Speak directly with Enrolled Actuary Jeff Jackson to see how a Cash Balance Plan design in NH can transform your retirement strategy.