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. 
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​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.

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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.
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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.
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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.   ​
  • 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!
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!


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[email protected]  
​(650) 334-6104