Does This Sound Familiar?
You're a business owner earning over $250k (single) or $500k (married), maxing out your 401(k), yet the check you write to the IRS every year is still PAINFUL.
Once your income gets too high, the 401(k) just doesn't make the same impact. For 2026, the limit is just $72,000 — and if you have employees, hitting that maximum becomes very costly.
There Is A Better Way.
It's called a Cash Balance Plan — a type of defined benefit pension that allows significantly higher tax-deferred contributions than a 401(k). Depending on age and income, many business owners can defer $150,000 to $400,000+ per year. This is not a loophole. It's a well-established structure used by business owners of all types and sizes.
401(k) Limit 2026
$72,000
Cash Balance Plan
$150k – $600k+
High Earners
Earning $300K to $2M+ annually with consistent, predictable profits.
Maxed 401(k)
Already contributing the maximum and looking for additional tax deferral.
Tax-Smart Savers
Prefer saving for retirement over buying vehicles or paying extra to the IRS.
Ages 40–80
Works for business owners at any stage — the older you are, the more you can contribute.
Industries We Serve
Dental Offices, Tech Companies, Realtors, Land Developers, Veterinarians, Drug Manufacturers, Excavation Companies, Waste Removal, Roofers, Retailers, Attorney Groups, and more.
Special Wealth Report
The Cash Balance
Blueprint
Strategically reducing tax liabilities for the modern entrepreneur.
Cinder Wealth Editorial
auto_storiesIn a Short Conversation, We Can Help You:
Schedule a no-obligation conversation to see if a Cash Balance Plan is right for you. Download the guide to get started.
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calculate
Estimate your potential contribution range
See exactly how much you could be deferring based on your age and income.
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savings
Identify potential tax savings
Understand the state and federal tax impact of adding a Cash Balance Plan to your strategy.
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psychology
Determine if this fits your broader strategy
We'll look at your business structure, goals, and existing plan to see if this is the right fit.
Immediate Digital Delivery • No Obligation
Or call Matt Losanno directly at (470) 380-7887
Get In Touch With Our Team
Contact Us
The information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities. Cinder Wealth’s website and its associated links offer news, commentary, and generalized research, not personalized investment advice. Nothing on this website should be interpreted to state or imply that past performance is an indication of future performance. All investments involve risk and unless otherwise stated, are not guaranteed. Be sure to consult with a tax professional before implementing any investment strategy. Investment Advisory Services are offered through Csenge Advisory Group, LLC, a registered investment advisor. Cinder Wealth is not affiliated with Csenge Advisory Group, LLC. The content provided is for informational purposes only and does not constitute tax advice. Cinder Wealth is not a licensed tax professional. For guidance specific to your tax situation, please consult a qualified tax advisor or accountant.
