Maximize Your Retirement Savings with Tax-Efficient Pension Plans

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At Pension Deductions, we specialize in helping self-employed individuals and small business owners create customized, tax-efficient pension plans designed to maximize savings and support long-term financial security.

Whether you’re looking for a 401(k), Defined Benefit Plan, Cash Balance Plan, or a Profit Sharing Plan, our experienced pension consultants are here to guide you. We focus on helping business owners reduce taxable income while building a secure and rewarding retirement.

Are you a business owner?

Reduce taxes and attract top talent with the right retirement plan.

Are you a financial professional?

Offer value-added retirement solutions to your clients.

Are you self-employed?

Optimize your savings with a pension plan tailored for independent professionals.

Why Choose Pension Deductions?

Expert Guidance
Over a decade of experience in pension planning and tax-saving strategies

Customized Solutions
We tailor pension plans to fit your unique financial and business needs

Tax-Efficient Retirement Plans
Reduce taxable income while maximizing contributions

Compliance & Administration Support
IRS-compliant plans with hassle-free administration

Dedicated Support Team
One dedicated consultant. One point of contact. From start to finish

We Work With

Business Owners & Entrepreneurs
Business Owners & Entrepreneurs
Financial Advisors & CPAs
Financial Advisors & CPAs
Self-Employed Professionals

Ready to secure your retirement?

Schedule a Free Consultation Today!

Our Pension & Retirement Plan Services

401(k) Retirement Plans

Safe Harbor 401(k) Plan business owner contributes maximum possible amount irrespective of employees contribution, ensuring enhanced retirement benefits for all participants.

Defined Benefit Pension Plans

DB Plan helps small business owners and individuals save for retirement by allowing you to make large contributions and get tax deductions and Pension Benefits.

Cash Balance Plans

Cash Balance Plan is for multiple partner business or employees & owner in similar age groups. A well-structured retirement plan provides financial security & loyalty among employees.

Profit-Sharing Plans

Profit Sharing Plan allows business owner to contribute more than 401(k) plan & less than a Defined Benefit Plan. It serves a valuable part of employees retirement savings.

Not sure which pension plan is right for you?

Talk to our experts today!

Get Prepared for Retirement in Just 3 Easy Steps

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Talk to Our Pension Consultant

Set up a Retirement Plan in Minutes

This is the only online calculator that can perform complex calculations with the click of a button.

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How Our Process Works

Step 1

Free Consultation
Discuss your goals, tax-saving opportunities, and ideal retirement strategy with our experts.

Step 2

Personalized Plan Design We create a custom pension solution tailored to your financial and business needs.

Step 3

Plan Setup & Compliance We handle all IRS filings, paperwork, and plan implementation to ensure full compliance.

Step 4

Ongoing Management & Optimization We provide continuous support to help you optimize contributions, maximize tax savings, and amend plans as needed.

What Our Clients Say

“As a real estate broker, business income can be significantly high in a particular year, and much lower in another. A Defined benefit plan allows me to contribute a large amount in good years and lower the contributions in other years.”

Daniel

“After working for almost 15 years as a software architect, I quit my full time job and started taking up consulting assignments with the very same clients I serviced earlier as an employee. I am now able to contribute more than 50% of my income to a retirement plan and thereby save significantly in taxes”

William Thomas

“We sponsored a profit sharing plan that required me to contribute to the employees as well. We then made a switch to a floor offset defined benefit plan which allowed me to triple my own contributions, while increasing the employee contributions by only 2%.”

Oren

“As a physician, our practice experiences steady income and profits and a defined benefit plan allows us to maximize our tax savings by contributing a fixed amount each year.”

Dr. Patel

Frequently Asked Questions (FAQ)

Q1: What is the best pension plan for self-employed professionals?

A Solo 401(k) or a Defined Benefit Plan is often the best option for self-employed individuals. These plans allow for higher tax-deductible contributions and flexible retirement savings.

Q2: How much can I contribute to a pension plan?

Contribution limits depend on the type of plan. A 401(k) plan has an annual contribution cap, while a defined benefit plan can allow contributions of over $200,000 per year for high-income earners.

Q3: Are pension plans tax-deductible?

Yes! Employer-sponsored pension contributions are tax-deductible, reducing taxable income for businesses and self-employed individuals.

Q4: Can I combine multiple retirement plans?

Yes! Many business owners and professionals combine a 401(k) plan with a Cash Balance or Defined Benefit Plan for maximum savings and tax efficiency.

Q5: How do I get started?

Simple! Schedule a free consultation with one of our pension experts, and we’ll help you choose the best retirement strategy for your needs.

Secure Your Retirement with Pension Deductions Today!

Don’t leave your retirement savings to chance. Our experts at Pension Deductions will design a customized pension plan that minimizes taxes, maximizes savings, and secures your financial future.