Custom Business Retirement Plan Design
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We Help Profitable Business Owners Redirect Hundreds Of Thousands In
Annual Taxes Into Multimillion Dollar Wealth Using Cash Balance Plans
Oakwood Summit's specialized expertise in Cash Balance Plans can transform your business tax burden into a powerful retirement asset. Our Seven Figure Retirement Assessment provides a clear roadmap for converting your next million dollars in taxes into a multi-million dollar retirement fund.
The Power of Cash Balance Plans​
Cash Balance Plans represent one of the most powerful yet underutilized retirement vehicles available to high-income professionals and business owners today. Unlike traditional 401(k) plans with relatively low contribution limits, Cash Balance Plans enable qualified participants to make significantly larger annual contributions—often exceeding $300,000 depending on age and income level.
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These plans occupy a unique position in the retirement planning landscape by combining the best elements of defined benefit pension plans with the flexibility and transparency of defined contribution accounts. For business owners and professionals facing substantial tax burdens, this hybrid approach offers a compelling opportunity to redirect current taxation into future wealth.
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While 401(k) plans cap annual contributions at $23,500 (plus $7,500 catch-up for those over 50), Cash Balance Plans allow for exponentially higher tax-deferred savings, especially beneficial for those approaching retirement with a need to accelerate their savings strategy.
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​For business owners with stable, high income who want to catch up on retirement savings or maximize tax deductions, Cash Balance Plans present an unparalleled opportunity to rapidly build a seven-figure retirement while significantly reducing current tax liability.
Want to Learn How a Cash Balance Plan Works?
Watch the On-Demand Webinar Trusted by Professional Associations Nationwide
This is the same presentation we deliver as continuing education to CPA societies, legal associations, and financial professional groups.
Get a clear, expert-led overview of how cash balance plans work—and how they can help high-income clients reduce taxes and build retirement wealth faster.
The Power of Leveraging Tax Planning With Retirement Planning​
The fundamental power of Cash Balance Plans lies in their ability to transform what would otherwise be tax payments into personal wealth. For high-income business owners and professionals currently paying substantial income taxes, this represents a paradigm shift in wealth planning.
When implemented correctly, our strategies create a triple benefit:
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Immediate tax reduction: $100,000+ annually
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Accelerated retirement savings: $1 - $3M over a 10 year period
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Long-term wealth multiplication through tax-deferred growth
The approach is fully compliant with IRS regulations while maximizing the tax code's incentives for retirement saving.
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The approach requires careful planning and expert implementation to ensure compliance with complex IRS regulations, including non-discrimination testing and minimum funding requirements. When properly executed, however, this strategy provides one of the most powerful wealth-building mechanisms available to keep more of what you earn without changing how you run your company or adding complexity to your life.
7 Figure Retirement Assessment
Oakwood Summit has developed a proprietary analysis process specifically designed to demonstrate how business owners and professionals can convert their tax burden into retirement wealth. Our Seven Figure Retirement Assessment serves as both a diagnostic tool and a roadmap for implementing this powerful strategy.
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Tax Projection Analysis
We analyze your business structure, income patterns, and current retirement plans to project your tax liability over the next 5-10 years, identifying the potential to redirect up to $1 million in taxes.
Retirement Multiplication Model
Our proprietary modeling tools demonstrate how your redirected tax dollars can grow into multimillion retirement assets through strategic Cash Balance Plan implementation and tax-deferred growth.
Customized Implementation Blueprint
We develop a comprehensive plan outlining contribution schedules, funding strategies, and administrative requirements tailored to your business structure and retirement timeline.
The assessment process begins with a thorough review of your business and personal financial situation. Our team of retirement specialists examines your current tax position, business cash flow, existing retirement programs, and long-term financial objectives. Using this data, we create a multi-year projection showing exactly how implementing a Cash Balance Plan could impact both your current tax situation and future retirement wealth.
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Unlike generic retirement calculators, our assessment incorporates the complex interplay between business structure, compensation strategies, and IRS regulations to develop a truly customized analysis. Each assessment includes side-by-side comparisons of multiple scenarios, allowing you to clearly understand the potential impact of different implementation approaches.
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The final deliverable is a comprehensive report that serves as your roadmap to a seven-figure retirement, complete with year-by-year projections of contributions, tax savings, and account growth.
The Oakwood Summit Client Experience
When you partner with Oakwood Summit for your retirement strategy, you gain access to a comprehensive service experience designed specifically for high-net-worth professionals and business owners. Our process is built around delivering clarity, confidence, and concrete results in your journey toward a seven-figure retirement.
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The client relationship begins with our signature assessment process but extends far beyond the initial analysis. We provide ongoing guidance, plan management, and strategic adjustments as your business evolves and tax laws change. Our approach combines sophisticated technical expertise with personalized service, ensuring you fully understand and maximize the benefits of your Cash Balance Plan.
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Throughout your relationship with Oakwood Summit, you'll have direct access to senior retirement specialists who understand both the complexities of Cash Balance Plans and the unique challenges faced by business owners and high-income professionals.
Our clients particularly value the clarity we bring to complex retirement concepts. Rather than overwhelming you with technical jargon, we focus on translating sophisticated strategies into clear, actionable insights. Each client receives a comprehensive Retirement Blueprint document that serves as both an educational resource and an implementation guide.
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The Oakwood Summit difference lies in our specialized focus on tax deductible wealth-building strategies for business owners. While many financial advisors offer general retirement planning, our team brings deep expertise in the specific intersection of tax strategy, business planning, and retirement optimization.
Implementation: From Plan Design to Wealth Accumulation
Implementation requires careful coordination across multiple disciplines, including actuarial science, tax planning, legal compliance, and investment management. Oakwood Summit guides clients through this complex process with a systematic approach designed to maximize benefits while ensuring full regulatory compliance.
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The implementation timeline typically spans 2-3 months from initial design to full operation. For maximum tax benefits, plans should ideally be established before the end of the third quarter of the tax year, though in some cases plans can be implemented retroactively if completed before the tax filing deadline including extensions.
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Oakwood Summit works closely with specialized Third Party Administrators (TPAs) who handle the technical compliance aspects of the plan, including annual actuarial certifications, non-discrimination testing, and required governmental filings such as Form 5500. This collaboration ensures your plan remains fully compliant with all regulatory requirements while minimizing your administrative burden.
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Throughout the implementation process, we maintain clear communication about timeline expectations, funding requirements, and administrative responsibilities. Our goal is to make the complex process of establishing a Cash Balance Plan as seamless as possible while ensuring you fully understand the ongoing commitments involved in maintaining this powerful retirement strategy.
1. Plan Design
Creating the optimal plan structure based on business demographics, compensation levels, and retirement objectives. Key decisions include contribution amounts, interest crediting rates, and vesting schedules.
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2. Documentation
Developing comprehensive plan documents, adoption agreements, and employee communications that meet all IRS and Department of Labor requirements while establishing clear operational guidelines.
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3. Implementation
Coordinating with your payroll provider, accountant, and financial advisors to integrate the plan into your business operations with minimal disruption.
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Seamless CPA Coordination
Your Tax Advisor Stays in the Loop—We Handle the Heavy Lifting
We know your CPA is a trusted advisor. That’s why every plan we design is built with full CPA coordination—so your retirement strategy aligns perfectly with your tax planning, financial goals, and compliance requirements.
Here’s how we work with your CPA:
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Collaborative Planning – We loop in your CPA at key points in the process to ensure alignment and accuracy.
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Complete Documentation – We provide all plan documents, projections, and contribution schedules in CPA-ready format.
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Tax Filing Support – Your CPA gets everything needed to handle annual filings—without the back-and-forth or confusion.
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No Surprises – We proactively communicate all tax impacts and plan changes to keep your advisory team aligned.​
The Path To Converting Your Next Million Dollars In Taxes Into A Multi-Million Dollar Retirement Begins With A Single Step
Scheduling your Seven Figure Retirement Assessment with Oakwood Summit. This comprehensive evaluation will reveal exactly how to transform your financial future by redirecting tax dollars to personal wealth accumulation.
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For business owners and professionals currently facing substantial tax burdens, this assessment represents an opportunity to discover a powerful alternative: building personal wealth instead of simply paying taxes. The strategy is particularly valuable for:
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Business owners with consistent profitability seeking to maximize tax deductions
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Medical professionals, attorneys, and consultants with high income and few employees
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Professionals over 45 looking to accelerate retirement savings
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Executives seeking to supplement existing retirement plans
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Family businesses wanting to optimize retirement benefits for multiple generations
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Don't let another year pass paying substantial taxes without exploring how those same dollars could be building your personal wealth. The Oakwood Summit team is ready to show you a clear path to a seven-figure retirement through strategic tax planning and Cash Balance Plan implementation. Contact us today to begin your journey toward financial independence and a secure retirement future built on smart tax strategy rather than unnecessary tax payments.​