The IRS released their 2025 limitations on the contribution amounts into qualified plans, such as 401(k) and Defined Benefit/Cash Balance plans.

Tax Deferral is a crucial tax concept and the reason why retirement accounts are such a powerful investment vehicle. Tax deferral occurs when you…

401(k) plans can be a powerful tool in promoting financial security in retirement. They are a valuable option for businesses considering a retirement plan,…

As a tax attorney with a Master’s Degree in taxation, I can pretty much read any provision of the Internal Revenue Code and, after…

Behind every successful business you will find key people that help drive its success.  Every smart business owner knows that without the team, there…

Over the years, Pension Investors have had the privilege of helping thousands of dental offices across the country establish pension plans.  In general, most…

A cash balance plan is a type of defined benefit plan. Similar to traditional defined benefit plans, cash balance plans have high contribution limits (possibly…

There are two general types of pension plans — defined benefit plans and defined contribution plans. A cash balance plan is a defined benefit…

Saving through a 401(k) plan is the best way to retire with real wealth because it is based on the power of compounding interest.…

The biggest advantage of saving through a 401(k) plan is that contributions are elective and can be can create a tax deduction. In addition,…

Pension Benefit Guaranty Corporation, or PBGC, insures defined benefit plans offered by private-sector employers. The PBGC only covers certain employer’s who established defined benefit…

The Employee Retirement Income Security Act of 1974, or ERISA, protects the assets of millions of Americans so that funds placed in retirement plans…

For those business owners who are seeking to make annual plan contributions in excess of the 401(k) limitations, the cash balance/401(k) combo plan is…

A cash balance plan is a defined benefit plan that defines the benefit in terms that are more characteristic of a defined contribution plan. In…

Defined benefit pension plans provide a fixed, pre-established benefit for employees at retirement. Employers can contribute (and deduct) more than under other retirement plans.…

With a 401(k) plan, employees can choose to defer some of their salary. Instead of receiving that amount in their paycheck, the employee defers, or…

Safe Harbor 401(k) Plans are very popular with business owners and plan participants alike.  The Safe Harbor 401(k) provisions have some very big benefits and…

Many small business retirement plans will appoint the employer as the plan administrator.  However, in most cases, and for good reason, the employer will…

According to the IRS, actuaries assess the financial consequences of risks and use mathematics, statistics and financial theory to analyze and determine the financial…

In a cash balance plan, the rules do not limit the annual contribution amount but instead limit the ultimate benefit payable from the plan.…