As a business owner, you’ve taken the risk, put in the hours, and built something of real value. You’ve learned how to scale, delegate, and lead, but when it comes to your personal finances, you may still be working harder than you need to.
If you’re a business owner and want to explore how a Cash Balance Plan and sophisticated investment strategies could reduce your taxes and grow your wealth, shoot us an email at hello@cevaadvisors.com or schedule a free consultation here.
With the right structure in place, we believe you have the potential to reduce your tax burden, optimize your investments, and align your business success with your long-term financial goals.
At Ceva Advisors, we specialize in helping business owners like you take the next step. Here are three powerful strategies we use to help you do that:
1. Create a Unified Retirement Plan Across Business and Personal Assets
Success often leads to complexity. You might have a Solo 401(k), SEP IRA, brokerage account, old 401(k)s, rental real estate, or even a cash balance plan, but no clear strategy to align it all with your goals. That is where we come in.
We help you:
- Align all accounts under one coordinated investment strategy
- Place the right investments in the right tax environments
- Balance business growth with personal liquidity and retirement goals
For business owners with strong cash flow, we often recommend a tiered retirement structure that builds in three stages:
- Start with a Solo 401(k) or SEP IRA. These are the foundational retirement plans for business owners, allowing tax deferred savings up to the annual IRS limits.
- Add a Mega 401(k) strategy. If your plan supports it, you can contribute over $50,000 in after tax dollars and convert them to Roth, building tax free retirement income well beyond traditional limits.
- Layer on a Cash Balance Plan. This allows you to make large, tax deductible contributions, often $100,000 to $300,000 or more, on top of your 401(k), dramatically reducing your taxable income and accelerating retirement savings.
At Ceva Advisors, we guide you through this entire process, helping you structure, fund, and invest across all three tiers. The result is a clear, high impact strategy that reduces taxes and aligns your business success with your long term financial goals.
2. Save Over $100,000 in Taxes With a Cash Balance Plan
A Cash Balance Plan lets you make large, tax deductible contributions well beyond what is allowed in a traditional 401(k). For high earning business owners, that could mean contributing $300,000 or more per year, directly reducing your taxable income.
At a 35% federal tax rate, a $300,000 contribution could save you $105,000 in taxes this year alone.
For many business owners, the strategy begins with maxing out a Solo 401(k). Once that 401(k) is fully funded, a Cash Balance Plan is layered on top to significantly increase total contributions.
When both strategies are used together, annual retirement contributions can exceed $350,000 to $400,000, resulting in potential tax savings of $120,000 or more, depending on income and plan design.
Our team helps set up the plan from start to finish, working alongside trusted partners to ensure the design, setup, and compliance are handled seamlessly. From there, we incorporate investment strategies that go beyond traditional pension style allocations, potentially offering greater income, diversification, and growth than standard cash balance portfolios.
3. Diversify and Grow With Alternative Investments
Alternative investments can be one of the most impactful additions to a business owner’s portfolio, especially for those whose income and wealth are already tied to the success of their company.
At Ceva Advisors, we provide access to private market opportunities that are typically out of reach for retail investors. These include investments in private credit, infrastructure, private real estate, and other institutional caliber strategies. We believe these investments can improve portfolios by offering lower correlation to traditional markets, increased diversification, and the potential for enhanced long-term returns. When used strategically, particularly within tax-advantaged plans like Cash Balance or Profit Sharing accounts, we believe they can help improve your overall risk-adjusted return profile and create a more resilient foundation for long-term wealth.
You’ve Built Something Great; Let’s Make It Work for You
You’ve already proven you know how to grow something valuable. The next step is turning that success into lasting financial strength by minimizing taxes, optimizing investments, and planning your legacy around your family and your future.
At Ceva Advisors, we’re here to help you do that. Reach out to a member of our team or email us at hello@cevaadvisors.com to learn how we can support your goals.
This article is produced by Ceva Capital dba Ceva Advisors. The information contained in this report is informational and intended solely to provide educational content to our clients and other readers that we find relevant and interesting. The data points used are subject to changed based on an individual’s situation. Opinions expressed are just that, and are current only as of the data of publication Nothing in this document should be construed as legal, tax, or investment advice; we provide advice on an individualized basis only after understanding your circumstances and needs. Information provided comes from sources we believe are reliable, but accuracy is not guaranteed.
