High earners with smart problems—and smarter opportunities.

Cash Balance Plans are built for professionals with strong income and the ability to contribute pre-tax dollars. If your 401(k) or SEP isn’t moving the needle any more, or if you don’t have a qualified plan yet, it may be time for a more advanced strategy.

If that sounds like you or your client, you’re in the right place.

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Law Firm Partners: Keep More of What You Earn

Boutique firms. High-margin practices. Big tax bills.

We work with equity partners earning $300K to $2M+ at lean, high-margin firms— typically with 1–10 staff and a focused team of top-producing attorneys. You’re great at generating income—but too much of it is going to the IRS.

Built for partners like you

We’re a perfect fit if you’re a partner who:

Want simplicity, control, and tax efficiency
Part of a firm generating $1M+ in annual revenue
Earning $300K+ in annual income
Short on time, but open to expert-led solutions

What Makes This Work

More deductions than a 401(k)
Traditional plans cap out at $66K–$70K. Cash Balance Plans allow $100K–$300K+ in tax-deferred contributions per partner, per year.

Designed for high-income professionals
CBPs are IRS-qualified plans governed by laws like the Pension Protection Act and SECURE 2.0—used for decades by law firms, medical groups, and closely held businesses.

Setup with zero lift
We handle the plan design, filings, and compliance. Your CPA stays looped in, and you stay focused on your practice.

Tax-smart timing
CBPs help reduce taxable income—and can prevent partners from getting pushed into a higher tax bracket.

You’ve earned it—now let’s make sure you keep more of it.

CPAs who want to deliver more—without taking on more.

We work with strategic CPAs who want to bring more value to top clients—without adding complexity or workload.

You know your clients are paying too much in taxes. But you may not have the specialist resources to help them go further.

Built for CPAs who:

We’re a perfect fit if you’re a partner who:

Advise clients earning $300K+ annually
Work with law firms, real estate pros, medical practices, or creative professionals
Want to deepen value—without risking client loyalty
Are open to collaboration, not competition

Why Smart CPAs Choose Us

We handle the plan—start to finish
Plan design. Filings. Compliance. We handle the work, while you stay informed and in control.

You keep your role, your client, and your reputation
No cross-selling. No product pushing. No stepping on toes

We make you look good. Your clients keep more of what they earn. Everyone wins.

See how our CPA partnership works.

Multigenerational & High-Profit Farm Owners

Irregular income. Big tax years. Few employees.

We work with successful farm owners facing snowballing income as they approach retirement or transition from full-time farming. Deferred crop sales from previous years, combined with current-year harvest income and no prepaid expenses for the next season, can create large tax bills—making it the perfect time to fill your retirement bucket before shifting farm income to your successors, such as children or other family members.

Why They Work With Us:

Convert taxable spikes into long-term, tax-deferred retirement savings.
Build personal wealth while increasing your options for succession planning.
Minimize employee costs: plans work even with rank-and-file employees.

Cash Balance Plans Are Not for Everyone, and That’s Okay

Here’s when it might not be the right fit (at least for now):

Your compensation is W-2 and you’re not an owner of the practice
You’re in a low-income year or not showing consistent profits
You’re reinvesting every dollar into growth, with no margin for pre-tax savings
You have a large full-time team and aren’t looking to disproportionately reward owners
You prefer simple, off-the-shelf plans like a solo 401(k) or SEP IRA—and are comfortable with lower contribution limits
You’re not ready to think long-term or commit to a multi-year strategy

See Your Potential Tax Savings