GenWealth Financial
Where Value Exceeds Price
Cash Balance Plans
The Most Powerful Tax Strategy You've Never Heard Of
Are you a high-income business owner, professional, or self-employed entrepreneur looking for a massive tax deduction and a way to supercharge your retirement? A Cash Balance Plan (CBP)might be exactly what you’ve been missing.
What Is a Cash Balance Plan?
A Cash Balance Plan is a type of defined benefit retirement plan —similar to a traditional pension—that allows you to contribute well beyond the limits of a 401(k) or SEP IRA. In fact, depending on your age and income, you could contribute over $200,000 per year, with most or all of it being tax-deductible.
Unlike traditional pensions, CBPs offer the flexibility of showing your account balance like a 401(k), while giving you the tax-advantaged structure of a defined benefit plan.
Why High Earners Love CBPs
✅Huge Tax Deductions
Slash your taxable income with contributions that can exceed $100,000–$300,000 per year.
✅Accelerated Retirement Savings
Ideal for business owners playing catch-up on retirement savings or looking to retire early.
✅Works With Your 401(k)
You can keep your 401(k)and stack a CBP on top for layered savings.
✅Attract and Retain Key Talent
CBPs can be designed for owners only—or include top-performing employees.
✅Creditor Protection
In many states, retirement assets in CBPs are protected from lawsuits and creditors.
Is It Right For You?
Cash Balance Plans aren’t for everyone—but if you meet these criteria, you may be a perfect fit:
📌 Earning $250,000+ per year in business income or professional services
📌Wanting to lower your tax liability significantly
📌Already maxing out your 401(k) or other retirement vehicles
📌Looking for advanced strategies beyond the basics
We work with business owners, consultants, doctors, lawyers, real estate professionals, and more—helping them keep more of what they earn through smart, compliant tax planning.
How We Help
At GenWealth Financial, we don’t just mention CBPs—we implement them from start to finish.
We act as your strategic advisor, working closely with top-tier actuaries, third-party administrators (TPAs), and financial planners to:
🟢 Evaluate if a Cash Balance Plan is right for you
🟢Design the plan based on your financial goals
🟢Ensure you receive maximum tax benefit while staying fully compliant
🟢Coordinate implementation and annual plan updates