412(e)(3) Pension Plans

Business owners looking to accelerate retirement savings may benefit from retirement strategies that allow significantly higher annual contributions than traditional qualified plans. For the right business, a fully insured defined benefit plan can provide substantial tax advantages while helping build guaranteed retirement benefits.

I work with established businesses to evaluate whether a 412(e)(3) pension plan is appropriate based on company size, cash flow, owner objectives, and long-term retirement goals. Working alongside your CPA and other professional advisors, we’ll determine whether this specialized strategy fits your overall financial and tax planning needs. Because 412(e)(3) plans are designed for long-term funding commitments and must follow specific qualification and funding requirements, careful planning is essential. I help business owners understand how the strategy works, the financial commitment involved, and how it compares with other retirement plan options. When appropriate, the goal is to create a coordinated strategy that helps the business owner accumulate retirement assets efficiently while providing meaningful benefits within a properly structured qualified retirement plan.