Step 1 of Setup

Select Your Plan Design

Which type of Cash Balance plan are you designing?

Owner Only

  • ✓  Solo business owner with no employees
  • ✓  S-Corp or C-Corp officer (W-2 salary)
  • ✓  Sole proprietor or partnership (Schedule C)
  • ✓  Looking for maximum personal tax savings
  • ✓  Want results fast — no census needed
Select Owner Only

Owner + Employees

  • ✓  Business owner with W-2 staff
  • ✓  Multiple owners or partners to cover
  • ✓  Employees who may be eligible for the plan
  • ✓  Need compliance testing built in
  • ✓  Want to see total plan cost vs. owner benefit
Select Owner + Employees
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🤔

Which plan type applies to you?

Owner Only is for sole proprietors, single-member LLCs, or businesses where no non-owner employees will participate in the plan.

Owner + Employees is for businesses with W-2 staff who may be eligible for the plan, triggering federal nondiscrimination testing requirements.

💡 Not sure? Check with your accountant or tax preparer before continuing — this selection directly determines how your contributions and tax savings are calculated.