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DB / DC Combo Plans

A DB/DC Combo Plan is an advanced plan design strategy that runs a traditional 401(k) plan side by side with a Cash Balance Plan. We have designed DB/DC Combo plans that have allowed each owner to contribute over $300,000 per year all pre‐tax. Below is a summary of the plan features:

Type of Company No restrictions
Establish Deadline December 31st
Owner Pre-tax Contribution $61,000 – $311,000
Employer Contribution Actuarial Formula
Annual Admin Cost $5,000+
Investments Participant Directed & Pooled Acct

The employees are able to benefit from the features associated with a 401(k) plan: employee deferrals, loans, participant directed investment accounts, and rollover options. While the owners are able to access higher levels of pre‐tax savings through the use of the Cash Balance Plan which is a defined benefit plan. This plan design works best for companies that have predicable cash flow, the owners have high levels of compensation, and there are less than 20 eligible employees.

DB-DC Combo Plan

Welcome To Our Virtual Retirement Plan Services

For companies located outside of the Capital Region, we designed a virtual employer sponsored retirement plan platform that allows us to offer our clients:

  • Easy Plan Setup
  • Plans Consulting
  • Low Fees
  • Flexible Investments
  • No Call Centers
  • Employee Education (if applicable)
  • Retirement Planning
  • Video Conferencing For Review Meetings

Contact Us  . . .

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All of our services start with a complimentary consult. We can assist you in determining which plan is the right fit for your company.

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Investment advisory services offered through Greenbush Financial Group, LLC. Greenbush Financial Group, LLC is a Registered Investment Advisor. Securities offered through American Portfolio Financial Services, Inc (APFS). Member FINRA/SIPC. Greenbush Financial Group, LLC is not affiliated with APFS. APFS is not affiliated with any other named business entity. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not ensure against market risk. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and cannot be invested into directly.