Orchid Wealth Management
  • Home
  • About
  • Individuals
  • Plan Sponsors
  • Contact
  • Blog
  • Privacy Policy

Cash Balance Plans...
the retirement industry's best kept secret. 

Put your retirement savings on steroids! 
Picture


Start saving up to four times more money annually with a cash balance plan. Go beyond the 401(k) and get to retirement on time with enough money to maintain your lifestyle and dignity. Stop paying the IRS and start paying your self with dollar for dollar tax deductions. 
​ 

​Multiply retirement savings: Doubled or even quadrupled annual retirement plan savings are possible. A 401(k) plan allows contributions of up to $19,000 per year plus an extra $6,000 per year “catch up” for individuals 50 years old and over. Profit sharing allows up to an additional $37,000 for a total of $62,000 per year. A cash balance plan allows an extra $55,000 to $336,000 of deductible savings.

 ​​
Tax deduction: A business can deduct all contributions made for employees. As individuals, medical practice owners and partners may deduct dollar for dollar the money invested into a cash balance plan. Typically, this can be much larger than even the homeowner's mortgage interest payments deduction.
​
Tax deferral: Money is invested tax deferred and may ultimately be rolled into an IRA account where it will continue to grow tax deferred.

 ​​On-time, comfortable retirement: Cash balance plans allow significant annual contributions from $55,000 to $340,000, depending on variables including age and income. They allow physicians to catch up and save an adequate amount of money for a comfortable retirement.
Tax savings: At a 40 percent tax rate, the savings can range from $22,000 to $136,00 per year. This is money that would have gone to the IRS in taxes, but instead it is invested to grow, tax deferred.

​Protection from creditors: As a qualified retirement plan, the cash balance plan assets are protected from creditors. This includes protection from bankruptcy proceedings and civil lawsuits.
  ​​​​​​​
Picture

Savings rate may be the single most important variable in the accumulation of wealth!  - Nick Murray

Orchid will work with you and an actuary to provide a plan illustration and show you what type of savings is possible to you and your participants.

We can help you and you participants accelerate your retirment savings. This will to ensure an ontime retirement with plenty of money to support your lifestyle.   ​
Email Today To Get Started
  • We team up with you to help you to create a Cash Balance Plan.
  • Our strategy is to help you to create a simple Cash Balance Plan that helps your savings rate increase dramatically and your tax rate decrease dramatically.
  • Orchid will work with you on the investments and manage them along the way.
  • Orchid helps you reach your retirement goals as soon as possible.
  • Your blueprint to financial freedom starts here!
  • Schedule a free consultation appointment.
    Call Seth personally at (650) 334-6104.

Reach your retirement goals on time!

Picture
Attract and retain employees: Cash balance plans are very attractive to current and future partners and employees. When a cash balance plan is implemented, retirement plan participation improves. ​
Here's what to do first!
1. Call Seth at (650) 334-6104 to get started!
2. Schedule a phone or in person free consultation that will take about 20-30 minutes.
3. The focus will be on discovering your goals.
4. We will work with an actuary and provide your with a sample illustration. 
5.
 The goal is to implement a new plan! 
6. Some of the PERKS with Orchid is the ongoing guidance
    and service to participants.
7. Give your team the best and schedule an appointment TODAY!


​
EMAIL HERE
CALL NOW
seth@orchidwealthmanagement.com  
​(
650) 334-6104
Picture
​Orchid Wealth Management is a California registered investment advisor.
​WEBSITE CONTENT DISCLOSURE
 
All written content on this site is for information purposes only. Opinions expressed herein are solely those of Orchid Wealth Management unless otherwise specifically cited.  Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties’ informational accuracy or completeness.  All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.  

This website may provide links to others for the convenience of our users.  Our firm has no control over the accuracy or content of these other websites.




REGISTRATION INFORMATION
 
Advisory services are offered through Orchid Wealth Management; an investment advisor firm domiciled in the State of California. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute.
 
Follow-up or individualized responses to consumers in a particular state by our firm in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption.

For information concerning the status or disciplinary history of a broker-dealer, investment advisor, or their representatives, a consumer should contact their state securities administrator.

​
Photo used under Creative Commons from Ruth and Dave
  • Home
  • About
  • Individuals
  • Plan Sponsors
  • Contact
  • Blog
  • Privacy Policy