Overview

Most high-income business owners don't have a tax problem. They have a structure problem. As income grows, the strategies that once worked quietly stop scaling. Retirement plans cap out. Deductions flatten. Taxes accelerate. And the advice stays the same-max the plan, invest the rest, keep going-even when it no longer fits the reality of the business. Cash Balance Plans is not a sales pitch and it's not a technical manual. It's a clear, honest explanation of why planning begins to feel misaligned at higher income levels-and why Cash Balance Plans force that misalignment into the open. Written for business owners, professionals, and closely held companies, this book explains: Why traditional retirement planning stops working as income rises What Cash Balance Plans actually are, without jargon or hype Who these plans are designed for-and who should walk away How contributions are calculated and why the numbers can feel so large Why these plans demand structure, discipline, and long-term thinking How poor coordination turns powerful strategies into expensive mistakes When saying ""not yet"" is the smartest decision you can make This book doesn't promise shortcuts. It doesn't minimize responsibility. And it doesn't pretend that every business should use this strategy. Instead, it treats Cash Balance Plans for what they really are: a pressure test. Used correctly, they create clarity, discipline, and scale where improvisation used to exist. Used poorly, they expose instability just as quickly. Whether you ultimately implement a Cash Balance Plan or not, this book will change how you think about: Retirement planning Tax strategy Cash flow commitments And the role structure plays in long-term success If you've reached the point where making more money no longer feels like progress, this book will help you understand why-and what changes when planning finally catches up. Who This Book Is For High-income business owners and professionals Owners in their 40s, 50s, and beyond Closely held companies and partnerships Readers who value clarity over complexity Who This Book Is Not For Early-stage businesses Readers looking for loopholes or one-year tax tricks Anyone unwilling to trade flexibility for structure

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