Retirement Plans
Practice 401(k), profit sharing & cash balance plans
The right practice retirement plan can shelter far more than a basic 401(k) and reward the people who help you build. We design and coordinate plans around your goals.
Practice owners who want a retirement plan that matches their income, team, and tax situation.
What’s included
Plan design and evaluation
We evaluate 401(k), safe harbor, profit sharing, and cash balance structures to find the design that fits your goals and staff — modeled before it is recommended.
Cash balance strategy
For high-income owners, a cash balance plan layered on a 401(k) can meaningfully increase tax-deferred savings. We model whether it fits before you commit.
Coordination and oversight
We coordinate with your CPA and a third-party administrator on compliance and administration, and manage the plan’s investment lineup.
Interactive
401(k) vs. SIMPLE IRA cost simulator
See how much more an owner can shelter in a 401(k) than a SIMPLE IRA, what each costs for your team, and how the SECURE 2.0 tax credits offset a new 401(k) in year one. Adjust the inputs to fit your practice.
Owner can shelter
$27,500
Employer staff cost
$9,900
Owner can shelter
$72,000
Staff cost after credits (yr 1)
$1,900
A 401(k) lets the owner shelter about
$44,500 more than a SIMPLE IRA
| Startup credit (plan costs) | $1,500 |
| Auto-enrollment credit | $500 |
| Employer-contribution credit | $6,000 |
| Total credits (yr 1) | $8,000 |
Illustrative estimate using 2026 projected limits and simplified assumptions — actual limits, credits (which phase down after year 1 and for larger employers), safe-harbor and profit-sharing design, and staff cost depend on your plan and census. Not tax advice. A third-party administrator and your CPA should run the real numbers.
Interactive
Cash balance plan contribution calculator
For a high-earning owner, a cash balance plan layered on a 401(k) can shelter far more — and the amount rises sharply with age. Estimate your maximum tax-deductible contribution.
Estimated maximum tax-deductible contribution
$276,100 / year
- Cash balance plan$222,000
- 401(k) salary deferral (incl. catch-up)$32,500
- Profit sharing (~6% of pay)$21,600
Cash balance contributions rise sharply with age — the closer to retirement, the more you can shelter. Pairing a cash balance plan with a 401(k)/profit-sharing plan is one of the most powerful tools available to a high-earning owner.
Illustrative, age-based estimate only. Actual cash balance contributions depend on your compensation, the plan’s funding target, investment performance, your staff census (a cash balance plan requires contributions for eligible employees), and an actuary’s calculation. This is not tax advice or plan design — a third-party administrator, actuary, and your CPA must determine the real numbers for your practice.
Free guide
Retirement Plans for Dental Practices: A Decision Framework
How 401(k), profit sharing, SEP, SIMPLE, and cash balance plans compare — and how high-earning owners can shelter far more than a basic 401(k).
Frequently asked questions
It is a defined-benefit plan that can allow substantially higher tax-deferred contributions than a 401(k) alone. Suitability depends on your income, age, and staff, so we model it first.
Often, yes. We review existing plans for design, cost, and investment quality and recommend changes where they help.
About these calculators
The calculators on this page are educational estimates only. They use 2026 projected contribution limits and SECURE 2.0 credit rules with simplified assumptions, and they do not reflect your full census, plan design, compliance testing, or state law. SECURE 2.0 credits are generally available to employers with up to 50 employees (reduced for 51–100), phase down after the first years, and depend on eligibility. Nothing here is tax, legal, or investment advice, a plan recommendation, or a guarantee. Actual contributions, costs, and credits must be determined by a third-party administrator, actuary (for cash balance plans), and your CPA for your specific practice.
Your practice should support your life — not control it.
Build a coordinated financial strategy designed around your practice, your family, and the freedom you want your work to create.