ADVANCED TAX PLANNING

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The Pension Protection Act of 2006 (PPA) is long and hard to read, but it played a crucial role in establishing cash balance plans as a viable and legally recognized retirement savings option. Before 2006, cash balance plans faced frequent legal challenges. Those bringing the suits argued that cash balance plans violated established rules for benefit accrual and discriminated against older workers...

June 4th, 2019

June 4th, 2019

When the IRS released regulations in 2014 that clarified the rules governing cash balance plans, they opened the way for a lot of exciting new possibilities. Previously, cash balance plans had to use a fixed interest rate to measure the growth of a participant’s account. These 2014 regulations, however, allow for interest crediting rates that depend on how well the plan’s investments are doing…

Are you a financial planner or insurance advisor? Are you offering cash balance plans to your prospects and clients? Would you like to know how I went from making less than $100,000 per year for 17 years to over $100,000 per month, earning the Top of the Table membership for the last 7 years I was in private practice? Great, read below and every word on our website and then let me know when I can ...

June 4th, 2019

June 4th, 2019

The most surprising thing to me about cash balance plans is how relatively few people are aware of them. Many people are intimidated by the world of retirement planning beyond the 401(k), which means that great opportunities like cash balance plans don’t get the attention that they deserve. Yet many business owners with a high income looking to lighten their tax burden while accelerating the gro…

June 4th, 2019

Taxes are on the rise for high earners. The passing of the 2012 American Taxpayer Relief Act (ATRA) increased the federal income tax rate and the Medicare tax rate and placed a tax surcharge on portfolio income. These hikes made protecting their hard-earned money more important than ever for many Americans earning over $400,000 per year. The increasing pressure to find tax savings, combined with I…

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Home Office: 19720 Jetton Road, Cornelius, NC Third Floor NC 28031

Cash Balance Advisors and its affiliated partners do not provide tax, legal or accounting advice. This website has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction. Cash Balance Advisors and its affiliates may make referrals with respect to cash balance and other tax advantage planning, but you are advised to only consider proposals that have come from third party administrators, CPAs, actuaries and/or attorneys.