Qualified Deferral Plans

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Maximum Savings Opportunities For Professional Service Firms

Our innovative solutions have enabled our clients to create billions of dollars of wealth accumulation through utilizing these plans.

Benefits of Qualified Deferral Plans

Unlike Defined Contribution plans, which restrict annual contributions to around $60,000, Qualified Deferral plans allow for higher contribution amounts in a qualified retirement program.

Maximize Savings

Contributions can be made in addition to a Defined Contribution plan leading to significantly higher levels of tax-deferred saving.


These plans are enormously flexible in terms of who is covered by the plans, the underlying formula for determining deferrals, and how the benefit levels are distributed among participants.


Plans are easy to understand and communicate to participants. Benefits accumulate in an “account” which is credited with “interest,” similar to how a 401(k) plan works.


Lump sum distributions are available at retirement (or termination of employment) enabling participants to roll over their accounts into an IRA and continue the tax-deferred growth on these savings.

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Our Approach to Deferral Plans

Our approach to cash balance plans is to design a plan with limited risks, predictable costs and transparency. You should have access to your account 24/7, don't settle for less.

Reduced Risk

Through appropriate sharing of risk between employees and employer, our plans significantly reduce the risk for both parties, as compared to other deferral plans.


Unlike other deferral plans, our plans ensure that every partner only pays for their own benefit, not the benefits of others.


Take control of your plan with user-friendly self-service options that give you the flexibility to manage your account and contributions with ease.


Plan designs are structured to predictably adjust deferral amounts as a participant’s pay and age change, minimizing cashflow “surprises” for both the firm and the participants.

Better Manage Your Deferral Plan

Our Daily Platform provides plan sponsors and participants with unprecedented 24/7 access to all plan information allowing for streamlined workflow and enhanced transparency.

Learn More About The Daily Platform

Daily Platform

Contact Joel McMann

Joel is here to help if you have any questions on how our Qualified Deferral Plans services can support your needs.

Contact Joel