Have you ever wondered how you could supercharge your retirement savings? Are you a business owner looking for a way to accelerate your retirement savings and attract and retain top talent in today’s competitive job market? Actuaries Unlimited, Inc. is a Third Party Administrator (TPA), and our team is excited to present to you the hidden gem of retirement planning: The Cash Balance Plan.

Maximize Your Contributions

The Cash Balance Plan is no ordinary retirement plan. It stands out for its exceptionally high contribution limits, allowing you to contribute as much as $330,000 per year, depending on your age. This dwarfs the $66,000 limit (as of 2023) for a traditional 401(k) Profit Sharing Plan, making the Cash Balance Plan an ideal choice for high‐income earners looking to build their retirement savings aggressively.

Substantial Tax Savings

Cash Balance Plans offer more than just higher contribution limits. Contributions are tax‐deductible, meaning you can significantly reduce your current tax liability. As tax rates continue to rise, these savings can be an absolute game changer for your bottom line.

Attract and Retain Top Talent

Offering a Cash Balance Plan sends a powerful message to current and prospective employees. It says you’re committed to providing them with the tools they need to build a secure retirement. This can be a significant advantage in a competitive job market, helping you attract and retain the industry’s best.

Predictable Investment Risk

One of the many unique features of Cash Balance Plans is the guaranteed rate of return on contributions, offering stability in an uncertain market. You’ll have the peace of mind knowing your savings will grow steadily, no matter the financial climate.

Flexibility and Portability

Cash Balance Plans provide higher limits, tax savings, flexibility, and portability, outpacing traditional pension plans. Employees can easily transfer benefits into an IRA or another eligible plan when needed.

Enhance your 401(k) with a Cash Balance Plan to access increased contribution limits and substantial tax savings and boost your company’s appeal.

Our team of dedicated Enrolled Actuaries is here to help you optimize your retirement planning with a tailored Cash Balance Plan, ensuring smooth implementation and maximized benefits.

Act now to supercharge your retirement savings and secure your future with a Cash Balance Plan. Visit our website or contact our team for more information. Your journey to an upgraded retirement plan starts here.