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Ideal Cash Balance Plan

Why add just any Cash Balance plan, when you can add an Ideal Cash Balance Plan that delivers predictable, sustainable, and flexible results?

The Ideal Cash Balance Plan balances the consultative options to address contribution concerns, business dynamics, and market fluctuation that often turn away perfect candidates.   

First, What is a Cash Balance Plan?

  • A Cash Balance Plan is a type of IRS-qualified retirement plan that operates under the rules of a defined benefit plan but gives the appearance of operating more like a defined contribution plan.
  • The account grows annually by company contributions and an interest credit, which is guaranteed, rather than being dependent on the plan’s investment performance.
  • Cash Balance plans offer Employers significantly larger contributions and tax savings opportunities.

How is the Ideal Cash Balance plan different?


A design that creates reliable and expected annual contribution amounts.


A design that is compatible with company culture and demographic for long-term.


A design that is adaptable to changing business environment and fluctuation.