Roth 401(k)

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What is a Cash Balance Plan

Fisher Investments®

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Male Voice: "Hi, I'm Mathew Cooksey, I'm the business development team lead here at Fisher Investments 401(k) Solutions. And I work with a lot of high-earning business owners who didn't realize we have a strategy to help them significantly reduce their tax liability upwards of one hundred thousand dollars each year. You could be one of them."

A man dressed in a suit speaks to the camera. A flyout in the lower left corner identifies him as Matthew Cooksey, Business Development Team Leader.

"So a Cash Balance plan is a type of retirement plan that often works side-by-side with 401(k) plan that allows high-earning business owners the ability to significantly increase their tax deferred savings often upwards of three hundred thousand dollars each year while also reducing their tax liability in some cases upwards of one hundred thousand dollars each year. And the greatest part about that is those contributions also grow tax deferred."

"A Cash Balance Plan can be one of the most valuable tools that a lot of high earning small business owners overlook in their strategies to reduce their taxes. A lot of the client I talk to have exhausted a lot of the traditional models or ways that they can reduce the amount they are paying in taxes. With this plan it allows them to not only save hundreds of thousands of dollars each year into their personal retirement those contributions allow them to reduce their tax liability as well. And that can be really beneficial for people that have kind of hit the wall of what is available to them."

"Cash Balance plans can be complex. And its important to have an advisor who is an expert in them to help you navigate them Here are Fisher investments we have the expertise and the experience to help our clients and their CPAs optimize their plans to not only reduce their tax liability on an on on-going basis but make sure their getting the most out of their retirement savings."

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Fisher Investment 401(k) Solutions logo fades on to the screen.

Fisher Investments 401(k) Solutions. © 2021 Fisher Investments. Investing in securities involves the risk of loss. Intended for use by employers and their consultants, considering or sponsoring retirement.

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Roth 401(k) FAQs

Fisher Investments®

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Male Voice: "Hi, I'm Dylan Marks and I am a Retirement Plan Specialist at Fisher Investments. We help small businesses improve their retirement plan for wealth creation—this often includes a Roth component. Here are some common questions we often get asked about Roth."

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A flyout in the lower left corner identifies him as "Dylan Marks, Retirement Plan Specialist".

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"What is the difference between Traditional & Roth 401(k) contributions?"

"Traditional 401(k) contributions are made on a pre-tax basis. This means you don't pay taxes on the contributions until you withdraw them in retirement. The earnings grow tax-deferred."

"Conversely, Roth 401(k) contributions are made on an after-tax basis. This means you pay the taxes on the contributions today, but all earnings are never taxed. When Roth assets are withdrawn in retirement, you do not pay taxes on them."

A green flyout appears from the lower left with the question: "What is the difference between Traditional & Roth 401(k) contributions?"

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"Another question I get: What are the benefits of Roth 401(k) contributions?"

"The main benefit is that the earnings on Roth contributions are never taxed.

"By making a combination of Roth & traditional 401(k) contributions, employees can enjoy both tax benefits today, as well as have access to tax-free income in retirement."

"It's also easy to add a Roth option to your existing 401(k)—your advisor can help you."

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"Another common question is: How do I support my employees when it comes to Roth 401(k) contributions?"

"Plan participants often don't know whether to make Roth or traditional 401(k) contributions. It's important to have an advisor who provides employee education and support to help the employees make informed decisions."

"Here at Fisher we do this proactively by providing group education sessions, as well as one-on-one meetings to help guide employees to achieve their retirement goals."

A green flyout appears from the lower left with the question: "How do I support my employees when it comes to Roth 401(k) contributions?"

The flyout remains on-screen for a few moments before sliding back out.

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Fisher Investment 401(k) Solutions logo fades on to the screen.

Fisher Investments 401(k) Solutions. © 2021 Fisher Investments. Investing in securities involves the risk of loss. Intended for use by employers and their consultants, considering or sponsoring retirement plans; not for personal use by plan participants.

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