Turning Taxes into Retirement Wealth: How a Cash Balance Plan Builds a Seven-Figure Future

For physicians, construction business owners, and other high-earning professionals, taxes can feel like a brick wall between today’s income and tomorrow’s wealth. But what if you could redirect a large portion of those tax dollars into your own retirement plan instead of sending them to the IRS? That’s the idea behind a Cash Balance Plan—a powerful, IRS-approved strategy that allows you to turn tax payments into personal wealth.

Why Cash Balance Plans Matter

Most high-income earners quickly hit the ceiling on 401(k) contributions—$23,500 (+ $7,500 catch-up) in 2025. A Cash Balance Plan, by contrast, can allow annual contributions of $100,000 to $300,000 or more, depending on age and income. Each dollar contributed is tax-deductible to the business, and the funds grow tax-deferred until retirement. It’s a smart way to convert current tax liabilities into long-term wealth.

How It Works

Set Up the Plan: Your CPA and a qualified third-party administrator design the plan based on your income, age, and retirement goals.
Make Tax-Deductible Contributions: Each year your company contributes to the plan—typically between $50,000 and $300,000 per participant.
Earn Guaranteed Growth: Accounts earn an annual interest credit, often 4-5 percent or tied to Treasury yields, providing predictable growth.
Access Funds at Retirement: Balances can be rolled into an IRA or taken as lifetime income.

When paired with an existing 401(k) or profit-sharing plan, a Cash Balance Plan becomes a “combo plan” that can dramatically expand annual deductions while building retirement savings faster.

Who It Fits Best

Practice owners and partners with consistent profits
Physicians, attorneys, and consultants 45 and older looking to catch up on retirement
Executives and family-owned businesses seeking larger deductions and wealth transfer opportunities

The Results in Real Numbers

Redirecting $1 million of taxes over 10–15 years into a Cash Balance Plan can grow into $3–$5 million in retirement savings, depending on investment performance. That’s money working for you, not gone to taxes.

Why Work with J&S Moore Financial Group

At J&S Moore Financial Group, we specialize in designing and coordinating retirement strategies for high-income professionals—especially physicians and construction company owners. Our team manages the full process from plan design to compliance coordination so you can focus on your business while your savings build quietly in the background.

Next Step: Schedule Your Tax Strategy Session

If your income consistently exceeds $400,000 and you’re tired of watching a third of it disappear to taxes, now is the time to explore whether a Cash Balance Plan makes sense. Schedule a private tax strategy session with our team and see what your seven-figure retirement could look like.

Book Your Session Now

J&S Moore Financial Group — Helping high-income professionals turn tax burdens into retirement breakthroughs.