Supercharge Your Retirement Savings with a Cash Balance + 401(k)

Layer a cash balance plan on top of your 401(k) to maximize contributions, reduce taxes, and build long-term wealth — without adding operational complexity.

Increase contribution limits beyond traditional 401(k)s

Reduce taxable income in high-earning years

Maintain flexibility for your employees

Simplify setup and compliance with full-service support

A Smarter Way to Maximize Retirement Contributions

Go Beyond 401(k) Limits

A cash balance plan allows business owners and key employees to contribute more than a standalone 401(k), creating strong tax advantages in high-income years.

Keep the Benefits Your Team Needs

Maintain your existing 401(k) structure for employees while layering additional savings opportunities for leadership — without disrupting current benefits.

Why Cash Balance Matters

A cash balance plan is a defined benefit plan that credits a set contribution and interest rate to a hypothetical account — with the employer managing the investment risk.

This structure allows for:

Significantly higher contribution limits

More efficient tax deductions

Predictable retirement accumulation

Strategic long-term wealth building

Is This Right for Your Business?

A Cash Balance + 401(k) strategy is ideal for:

Business owners and high-income professionals

Companies with stable and predictable cash flow

Firms already offering (or planning to offer) a 401(k)

Organizations looking to optimize tax efficiency and retirement savings

Essential Features for Your Business

Higher Contribution Limits

Cash balance plans allow higher contributions than a traditional 401(k), helping owners and key employees accelerate retirement savings.

Tax Optimization

Reduce taxable income in high-earning years with larger, tax-advantaged contributions designed for long-term wealth building.

Paired with Your 401(k)

Layer a cash balance plan on top of your existing 401(k) to maintain employee benefits while increasing owner contributions.

Predictable Growth

Accounts grow with a defined contribution and interest credit, providing stability and clear long-term projections.

Controlled Investments

The employer manages investments and assumes risk, simplifying decision-making for participants.

Fully Managed Administration

401GO handles actuarial work, compliance, and ongoing administration — reducing complexity and operational burden.

See What Our Clients Say

"By layering a cash balance plan, we boosted our deductible retirement savings by six figures, while keeping our existing 401(k) for our team". The Roxberry Group

"401GO’s team handled all actuarial work and compliance behind the scenes. Our CFO sleeps easier" American Benefits Company