Cash Balance Plans
Stable, High Deduction Retirement Plans that Actively Grow Wealth
Cash balance plans are often the missing piece in a comprehensive retirement strategy. They create meaningful, immediate tax deductions while building long-term retirement assets in a way that isn’t dependent on fair-weather markets.
Unlike traditional retirement plans that defer benefits to the future, cash balance plans allow you to address today’s tax burden while deliberately building wealth for tomorrow.
Cash Balance Plans
Stable, High Deduction Retirement Plans that Actively Grow Wealth
Cash balance plans are often the missing piece in a comprehensive retirement strategy. They create meaningful, immediate tax deductions while building long-term retirement assets in a way that isn’t dependent on fair-weather markets.
Unlike traditional retirement plans that defer benefits to the future, cash balance plans allow you to address today’s tax burden while deliberately building wealth for tomorrow.
Cash Balance Plans
Stable, High Deduction Retirement Plans that Actively Grow Wealth
Cash balance plans are often the missing piece in a comprehensive retirement strategy. They create meaningful, immediate tax deductions while building long-term retirement assets in a way that isn’t dependent on fair-weather markets.
Unlike traditional retirement plans that defer benefits to the future, cash balance plans allow you to address today’s tax burden while deliberately building wealth for tomorrow.
Cash Balance Plans: The Secret to Stable Retirement
A cash balance plan is a type of defined benefit plan designed to work alongside existing retirement strategies.
It allows for significantly higher contributions than traditional plans and converts those contributions into guaranteed retirement assets.
At The Owner’s Asset, we specialize in designing cash balance plans that are fully funded using contractually-guaranteed mutual whole life insurance and annuities. We do not design plans that rely on market-based insurance or underfunded assumptions - instead focusing on stability and high retirement cash flow.
Cash Balance Plans: The Secret to Stable Retirement
A cash balance plan is a type of defined benefit plan designed to work alongside existing retirement strategies.
It allows for significantly higher contributions than traditional plans and converts those contributions into guaranteed retirement assets.
At The Owner’s Asset, we specialize in designing cash balance plans that are fully funded using contractually-guaranteed mutual whole life insurance and annuities. We do not design plans that rely on market-based insurance or underfunded assumptions - instead focusing on stability and high retirement cash flow.
Cash Balance Plans: The Secret to Stable Retirement
A cash balance plan is a type of defined benefit plan designed to work alongside existing retirement strategies.
It allows for significantly higher contributions than traditional plans and converts those contributions into guaranteed retirement assets.
At The Owner’s Asset, we specialize in designing cash balance plans that are fully funded using contractually-guaranteed mutual whole life insurance and annuities. We do not design plans that rely on market-based insurance or underfunded assumptions - instead focusing on stability and high retirement cash flow.
Why Cash Balance Plans Matter
Meaningful Tax Deductions Today
While 401(k)s reduce taxes over time, cash balance plans create substantial deductions, often 10-25x larger in size, in the current and potentially even previous tax year, at a scale that materially changes the tax picture. Unlike a 401(k), the deductions for a cash balance plan grow alongside your income and age.
A More Stable Retirement Plan
Cash balance plans provide a guaranteed component that balances more volatile retirement assets and reduces reliance on timing.
Pre-Tax Dollars, Long-Term Assets
Cash balance plans allow contributions to be made with pre-tax dollars and converted into assets designed to support long-term planning or retirement spending.
Borrow Against Assets, Don’t Sell Them
Rather than selling investments to generate income, you can borrow against cash value while it continues to grow.
Designed for Your Needs
Not every plan looks the same. The right outcome comes from the right mix of insurance and other assets in the plan, rather than a one-size-fits-all template.
Why Cash Balance Plans Matter
Meaningful Tax Deductions Today
While 401(k)s reduce taxes over time, cash balance plans create substantial deductions, often 10-25x larger in size, in the current and potentially even previous tax year, at a scale that materially changes the tax picture. Unlike a 401(k), the deductions for a cash balance plan grow alongside your income and age.
A More Stable Retirement Plan
Cash balance plans provide a guaranteed component that balances more volatile retirement assets and reduces reliance on timing.
Pre-Tax Dollars, Long-Term Assets
Cash balance plans allow contributions to be made with pre-tax dollars and converted into assets designed to support long-term planning or retirement spending.
Borrow Against Assets, Don’t Sell Them
Rather than selling investments to generate income, you can borrow against cash value while it continues to grow.
Designed for Your Needs
Not every plan looks the same. The right outcome comes from the right mix of insurance and other assets in the plan, rather than a one-size-fits-all template.
Why Cash Balance Plans Matter
Meaningful Tax Deductions Today
While 401(k)s reduce taxes over time, cash balance plans create substantial deductions, often 10-25x larger in size, in the current and potentially even previous tax year, at a scale that materially changes the tax picture. Unlike a 401(k), the deductions for a cash balance plan grow alongside your income and age.
A More Stable Retirement Plan
Cash balance plans provide a guaranteed component that balances more volatile retirement assets and reduces reliance on timing.
Pre-Tax Dollars, Long-Term Assets
Cash balance plans allow contributions to be made with pre-tax dollars and converted into assets designed to support long-term planning or retirement spending.
Borrow Against Assets, Don’t Sell Them
Rather than selling investments to generate income, you can borrow against cash value while it continues to grow.
Designed for Your Needs
Not every plan looks the same. The right outcome comes from the right mix of insurance and other assets in the plan, rather than a one-size-fits-all template.
Let The Owner’s Asset Design Your Cash Balance Plan
The Owner’s Asset designs cash balance plans that offer substantial tax-deductions while securing retirement assets
Once the assets inside the cash balance plan hit the minimum period (usually three years), it can roll out of the plan and become personally owned. Now the cash value can be accessed through loans rather than withdrawals, allowing retirement income to be generated without stopping growth or triggering taxes.
This structure creates a much shorter horizon than traditional retirement thinking. Instead of waiting decades and hoping markets cooperate, you build equity in an asset you can actually access.
Plus, this is how we, as business owners and entrepreneurs ourselves, manage retirement assets while taking full advantage of the deductions available to us today.
Let The Owner’s Asset Design Your Cash Balance Plan
The Owner’s Asset designs cash balance plans that offer substantial tax-deductions while securing retirement assets
Once the assets inside the cash balance plan hit the minimum period (usually three years), it can roll out of the plan and become personally owned. Now the cash value can be accessed through loans rather than withdrawals, allowing retirement income to be generated without stopping growth or triggering taxes.
This structure creates a much shorter horizon than traditional retirement thinking. Instead of waiting decades and hoping markets cooperate, you build equity in an asset you can actually access.
Plus, this is how we, as business owners and entrepreneurs ourselves, manage retirement assets while taking full advantage of the deductions available to us today.
Let The Owner’s Asset Design Your Cash Balance Plan
The Owner’s Asset designs cash balance plans that offer substantial tax-deductions while securing retirement assets
Once the assets inside the cash balance plan hit the minimum period (usually three years), it can roll out of the plan and become personally owned. Now the cash value can be accessed through loans rather than withdrawals, allowing retirement income to be generated without stopping growth or triggering taxes.
This structure creates a much shorter horizon than traditional retirement thinking. Instead of waiting decades and hoping markets cooperate, you build equity in an asset you can actually access.
Plus, this is how we, as business owners and entrepreneurs ourselves, manage retirement assets while taking full advantage of the deductions available to us today.
I'm normally a pretty skeptical guy - especially around financial products. However, Mark and Ro were both super knowledgeable on the specific options, and helpful in picking the right plans.
Scott Garber
I'm normally a pretty skeptical guy - especially around financial products. However, Mark and Ro were both super knowledgeable on the specific options, and helpful in picking the right plans.
Scott Garber
I'm normally a pretty skeptical guy - especially around financial products. However, Mark and Ro were both super knowledgeable on the specific options, and helpful in picking the right plans.
Scott Garber
A newsletter for building your best life
Notes on taxes, retirement planning, and long-term financial structure, written for business owners and the CPAs who work with them.
A newsletter for building your best life
Notes on taxes, retirement planning, and long-term financial structure, written for business owners and the CPAs who work with them.
A newsletter for building your best life
Notes on taxes, retirement planning, and long-term financial structure, written for business owners and the CPAs who work with them.
A newsletter for building your best life
Notes on taxes, retirement planning, and long-term financial structure, written for business owners and the CPAs who work with them.