This article has been updated for 2026. Introduction A one-owner business often begins as a Sole Proprietorship. Other times, the business is set up as a Limited Liability Company (LLC) without any tax election. In either of these cases, the business would be taxed as a Sole Proprietorship. However, as the business grows, the tax […]
This article has been updated for 2026. Real Estate in a Defined Benefit Plan: Introduction Real estate can be a great investment. It has the potential to provide “return” through monthly cash flow, asset appreciation, and the paydown of any outstanding loan balance. What’s more, these returns may be magnified through the use of financing […]
This article has been updated for 2026. Introduction Saber Pension has discussed Defined Benefit Plans as a guest on several podcasts. In this post, we have provided the Defined Benefit Plan podcast transcripts and access to the full shows. Note that we have made minor edits to the transcripts for readability purposes. For your convenience, […]
You’re independent. Your retirement strategy should be too. You move where the work takes you — filling critical gaps and choosing your own schedule. But as a locum tenens physician, you’re also responsible for your own benefits and retirement. That flexibility gives you a powerful opportunity: to design a retirement plan that can save six […]
This article has been updated for 2026. What Is a Cash Balance Plan? For business owners, a Cash Balance Plan can allow much higher retirement contributions than typical plans. However, understanding how it works, the trade-offs, and whether it fits your situation takes careful consideration. Below is a comprehensive guide to Cash Balance Plans: the […]
This article has been updated for 2026. Defined Benefit Plan Target Return Rate What investment return should I target in a Defined Benefit Plan? Financial advisors ask us this question quite a bit. While we cannot give investment advice, we will provide you with the information needed to arrive at your own conclusion. Specifically, we […]
This article has been updated for 2026. The Impact of Investment Returns How do investment returns impact Defined Benefit Plan contributions? In this article, we will explore that question in depth. At a high level, the impact of investment returns depends on several factors, including the Defined Benefit Plan’s funded status, the size of the […]
This article has been updated for 2026. Introduction Practitioners use Defined Benefit Plan compensation for many elements of administration. This article explains, at a high level, how your Defined Benefit Plan actuary and third party administrator will define and use compensation for your Defined Benefit Plan. Defined Benefit Plan Compensation The owner’s Defined Benefit Plan […]
This article has been updated for 2026. Form 945. What Is It? Form 945 is used to report federal income tax withheld from nonpayroll payments, including distributions from Defined Benefit Plans. Do You Need to File? In general, if you have withheld federal taxes from any nonpayroll payments, Form 945 would be required. More specifically, […]
This article has been updated for 2026. Introduction In a Defined Benefit Plan, a business owner is able to make high deductible contributions ($100K to $250K+). Of course, large contributions lead to a large asset pool, so it is important to select a qualified financial advisor to manage Defined Benefit Plan assets. Defined Benefit Financial […]
