Exit Your Business on a Tax-Deductible Basis
​​​​Turn Your Business Profits Into Retirement Wealth—Without Selling Your Company
Most business owners expect to sell their business to fund retirement. But what if you could extract your wealth from the business tax-efficiently—without relying on a buyer, market timing, or an uncertain installment sale?
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At Oakwood Summit, we help high-income business owners design Cash Balance Plan exit strategies that transform their business profits into guaranteed retirement wealth—using fully tax-deductible contributions, all while maintaining ownership and control.
The Problem with a Traditional Business Exit
A Cash Balance Plan Creates a Tax-Deductible Exit Strategy
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A Cash Balance Plan is a special type of IRS-qualified retirement plan that allows your business to make large, tax-deductible contributions—often well into the six figures each year.
By establishing and funding a Cash Balance Plan in your final working years, you can:
Pull significant profits out of the business on a fully tax-deductible basis
Build seven figures or more in retirement income
Reduce or eliminate the need to sell your business to fund retirement
How It Works
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Set up a Cash Balance Plan for your business with Oakwood Summit.
Make annual tax-deductible contributions—often between $100,000 and $400,000+ per year—over a 5–10 year exit window.
These contributions accumulate in a protected retirement account for you (and potentially your spouse).
When you retire, you can roll over the funds into an IRA or begin receiving guaranteed income from the plan.
You can then transition or sell the business on your terms, without depending on the sale to fund your retirement lifestyle.
The Strategic Benefits
When your retirement is already funded, you can sell your business for strategic reasons, not financial ones.
Example: A Smarter Business Exit
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A business owner earning $1 million per year wants to retire in 7 years. Instead of selling the business, she contributes $300,000 annually to a Cash Balance Plan.
Over 7 years, she accumulates $2.1 million in retirement assets
She saves roughly $1 million in taxes along the way
When ready, she can sell the business on her own timeline
Her retirement is fully funded—without risk, loans, or capital gains taxes
Exit Your Business, Without Selling It
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You don’t need to sell your business to retire.
You just need the right structure to move profits into your future wealth—before taxes take them away.
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Discover how we can help you retire securely, keep your business, and reduce your taxes—starting this year.