Solo(cb) Plan: A Solution that Just Works

How Does a Cash Balance Plan Compare to Other Plans?

This chart illustrates Solo(cb) contribution opportunity in comparison to other retirement plans available to the self-employed. Here you see what a 50 year-old self-employed individual can accomplish using this strategy:


Contributions to a Solo(cb) are largely driven by age and compensation; the closer to retirement and the higher your income, the larger is the cash balance plan funding. This is because a younger person has more years to accumulate maximum cash balance benefit than an older individual.

Income tax and an early withdrawal penalty may apply for individuals under age 59 ½ at the time of distribution. Individual results will vary based on plan design, census data, earnings history, actuarial calculations, and governing regulations. Because Solo(cb) is a type of a defined benefit plan, minimum funding rules apply. Failure to meet minimum funding requirements leads to excise tax until funding requirements are met.

What is a Solo(cb)?

Who is a candidate?

When does it make sense?

Why a Solo(cb)?

What are typical occupations?

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Sample Letter

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