{ “@context”: “https://schema.org”, “@type”: “BlogPosting”, “headline”: “The Cash Balance Plan: How High Earners Can Shelter $200,000+ Annually”, “description”: “A strategic guide to Cash Balance Plans (Defined Benefit), explaining how business owners can bypass 401(k) limits and squeeze huge tax deductions.”, “datePublished”: “2025-12-03”, “dateModified”: “2025-12-03”, “mainEntityOfPage”: { “@type”: “WebPage”, “@id”: “https://bestmoneytip.com/cash-balance-plan-defined-benefit-tax-strategy” }, “mainEntity”: { “@type”: “FAQPage”, “mainEntity”: [ { “@type”: “Question”, “name”: “What is a Cash Balance Plan?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “It is a type of Defined Benefit plan that acts like a ‘Super 401(k).’ It allows for massive tax-deductible contributions (often $100k-$300k) based on age and income.” } }, { “@type”: “Question”, “name”: “Can I have a 401(k) too?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “Yes. You can stack a Cash Balance Plan on top of a Solo 401(k). This combo is often called a ‘Combo Plan’ and maximizes your total deduction.” } }, { “@type”: “Question”, “name”: “Is this mandatory every year?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “Mostly yes. Unlike a 401(k) where contributions are discretionary, a Cash Balance Plan requires a commitment to fund it for at least 3-5 years. 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var data = google.visualization.arrayToDataTable([ [‘Plan Type’, ‘Max Contribution ($)’, { role: ‘style’ }, { role: ‘annotation’ }], [‘Solo 401(k)’, 69000, ‘#95a5a6’, ‘$69k’], [‘Cash Balance Combo’, 245000, ‘#c0392b’, ‘$245k (Massive)’] ]); var options = { title: ‘Tax Shelter Capacity (Age 55)’, hAxis: { title: ‘Deductible Limit ($)’, minValue: 0, textStyle: { color: ‘#777’ } }, legend: { position: ‘none’ }, chartArea: { top: 40, width: ‘85%’, height: ‘55%’ }, bar: { groupWidth: ‘60%’ }, colors: [‘#95a5a6’, ‘#c0392b’], animation: { startup: true, duration: 1500, easing: ‘out’ }, titleTextStyle: { color: ‘#2c3e50’, fontSize: 16, bold: true, fontName: ‘Georgia’ } }; new google.visualization.BarChart(chartEl).draw(data, options); }; function loadGoogleCharts() { if (window.google && google.charts) { google.charts.load(‘current’, { packages: [‘corechart’] }); google.charts.setOnLoadCallback(window.drawCbChart); } else { const s = document.createElement(‘script’); s.src = ‘https://www.gstatic.com/charts/loader.js’; s.async = true; s.onload = function() { google.charts.load(‘current’, { packages: [‘corechart’] }); google.charts.setOnLoadCallback(window.drawCbChart); }; document.head.appendChild(s); } } if (chartEl) { if (‘IntersectionObserver’ in window) { const ioChart = new IntersectionObserver((entries, obs) => { if (entries[0].isIntersecting) { loadGoogleCharts(); obs.disconnect(); } }, { threshold: 0.1 }); ioChart.observe(chartEl); } else { setTimeout(loadGoogleCharts, 1500); } } let t; window.addEventListener(‘resize’, () => { clearTimeout(t); t = setTimeout(() => { if (window.google && google.visualization) window.drawCbChart(); }, 250); }); })();