Supercharge Your Retirement
Unlock the Power of
Cash Balance Plans
A cash balance plan is an IRS-qualified retirement strategy designed for high-income business owners. As a “hybrid” plan, it combines the high contribution limits of a defined benefit plan with the flexibility and portability of a defined contribution plan-making it a powerful way to reduce taxes today while accelerating long-term retirement wealth.
Are you eligible? Take the 5 question quiz to find out.
Benefits of a Cash Balance Plan
Significantly Higher Contribution Limits
Cash balance plans allow business owners to contribute far more than traditional retirement plans-often hundreds of thousands per year-accelerating retirement savings without relying on market timing.
Powerful Tax Reduction
Contributions are generally tax-deductible, making cash balance plans one of the most effective tools for reducing current-year taxable income while reinvesting dollars into long-term wealth.
Predictable Retirement Growth
Benefits are expressed as a defined account balance with a stated interest credit, providing greater visibility and predictability compared to market-only retirement plans.
Flexible Integration with Existing Plans
Cash balance plans pair seamlessly with 401(k) and profit-sharing plans, allowing owners to layer strategies and tailor benefits for both themselves and their employees.
Who Cash Balance Plans are Designed for
Medical & Professional Practice Owners
Physicians, dentists, attorneys, and similar professionals with predictable earnings who benefit from large, tax-deductible contributions and structured retirement growth.
Maxed-Out Retirement Savers
Individuals already maximizing a 401(k) or profit-sharing plan who need a more powerful strategy to continue building tax-advantaged wealth.
High-Income Business Owners
Owners with strong, consistent cash flow who want to dramatically reduce taxes while accelerating retirement savings beyond traditional plan limits.
Solo Consultants & Independent Contractors
Independent consultants with strong 1099 income who want to offset high taxes while accelerating retirement savings. Cash balance plans can allow solo professionals to contribute far beyond a Solo 401(k), making them a powerful strategy during peak earning years.
Matrix Private Wealth Management
Cash Balance Expertise That Delivers Financial Security
Precision Plan Design
Cash balance plans aren’t plug-and-play. Matrix custom-designs each plan to maximize contributions while maintaining long-term flexibility and sustainability.
Integrated Tax Strategy
Matrix aligns cash balance plans with your broader tax and retirement strategy to deliver meaningful, predictable tax efficiency-year after year.
Fiduciary Oversight
Ongoing monitoring and expert management ensure your plan stays compliant, optimized, and aligned as your business and income evolve.
Download Case Study. Illustrating how a business owner may significantly
increase retirement contributions in a compliant manner.
Download Case Study. See how a small business contributed over $580,000 and
saved $230,000 in taxes, resulting in significant savings.