Advanced Retirement Plans
​At Oakwood Summit, we specialize in designing advanced retirement strategies that help high-income business owners and medical professionals redirect significant tax dollars into their own future wealth.
These plans go far beyond traditional 401(k)s or IRAs. They’re designed for entrepreneurs, private practice owners, and independent professionals earning more than $500,000 per year who want to:
Reduce their current tax burden dramatically
Accelerate retirement savings by hundreds of thousands per year
Create predictable, tax-advantaged income for life
What Are Advanced Retirement Plans?
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Advanced plans such as Cash Balance Plans and 412(e)(3) Defined Benefit Plans allow you to contribute—and deduct—far more than standard retirement accounts. These plans are built specifically for high-income earners who want to:
Quickly accelerate retirement savings
Slash current taxes with large, fully deductible contributions
Create predictable, tax-advantaged income in retirement
Depending on your age and income, contributions can range from $100,000 to over $400,000 per year—each dollar tax-deductible to your business.
Our Specialized Solutions Include:
412(e)(3) Defined Benefit Plans
​Guaranteed retirement income backed by fixed annuity and life insurance contracts. Ideal for physicians and business owners seeking maximum deductions and guaranteed outcomes.
Flexible, high-contribution plans that combine the tax power of a pension with the portability of a 401(k). Perfect for those looking to accelerate wealth building while maintaining control.
Hybrid Strategies
Customized combinations of advanced plans and traditional structures designed to maximize tax efficiency, investment growth, and retirement security.
The Power of Leveraging Tax Planning With Wealth Planning​
Our retirement plan designs give business owners the ability to slash their tax bill by $100,000 to $200,000+ annually. For individuals in the highest tax brackets, this means keeping significantly more of what you earn while simultaneously building retirement wealth.​​
Retirement Savings
Increased by $250,000 annually
Taxable Income
Decreased by $250,000 annually
Tax Savings
Increased by $100,000 annually
Retire With Confidence
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If you’d like to save more for retirement, an advanced plan can help you make up decades of lost time. Because contribution limits are tied to your age and income, older business owners can contribute significantly more, allowing you to supercharge your savings in your later working years.​
Who Benefits Most
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Physicians, medical practice owners, and dental professionals
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Entrepreneurs and consultants with consistent profits over $500,000
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Married business owners with both spouses working in the business
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Professionals who need to catch up quickly on retirement savings
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Those looking to reduce taxes while creating lifetime income security
The next step is a brief, no-obligation consultation to determine whether our approaches would create meaningful value for your specific situation. During this focused conversation, we'll discuss:
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Your maximum annual contribution and tax deduction potential
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Guaranteed retirement income projections with zero market risk
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Life insurance coverage amounts and tax-free death benefit analysis
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Wealth transfer strategies and legacy planning opportunities
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Asset protection benefits specific to your state and practice structure