This article has been updated for 2025. 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 2025. 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 2025. 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, […]
This article has been updated for 2025. Contribution backfilling is a powerful strategy that business owners may use in a variety of situations. This article will provide Defined Benefit Plan context for understanding, explain the concept of contribution backfilling, and examine several situations where backfilling in a Defined Benefit Plan may be beneficial. Context: Defined […]
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 2025. 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 2025. Introduction: How Are Defined Benefit Plans Taxed? Defined Benefit Plans are among the most effective retirement and tax planning vehicles for business owners. However, before adopting a plan, it’s essential to understand how these plans are taxed. To answer this question, we will explain taxation at each stage […]
This article has been updated for 2025. 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 2025. 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 2025. Early Defined Benefit Adoption It’s human nature to take action as a deadline approaches. For example, why do you think CPAs are busier in April than February? Not surprisingly, it’s the same for clients setting up a Defined Benefit Plan. Historically, we’ve seen Defined Benefit inquiries and setups […]
