An example plan. Dana runs a one-person consulting firm. Every figure comes from the same engine as your estimate.

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maxedRivera Advisory LLC Cash Balance Plan

Documents

Everything the plan holds, by year. As plan administrator you keep these records; we keep a copy for as long as you have the plan.

2027 plan year

  • Form 5500-EZReady in June · you file by Jul 31, 2028Not yet
  • Actuarial valuation reportCertified Mar 20, 2028Open
  • Schedule SB · kept with your records, not filedCertified Mar 20, 2028Open
  • Deduction summary for your accountantAdded Mar 21, 2028Open
  • Account statementAdded Jan 10, 2028Open

2026 plan year

  • Form 5500-EZ · not neededAssets under $250,000 on Dec 31
  • Actuarial valuation reportCertified Feb 26, 2027Open
  • Schedule SB · kept with your records, not filedCertified Feb 26, 2027Open
  • Deduction summary for your accountantAdded Feb 27, 2027Open

The plan

  • Adoption agreementSignedOpen
  • Trust agreementSignedOpen
  • Written consent adopting the planSignedOpen
  • Summary plan descriptionAdded Oct 2, 2026Open
  • Basic plan document, IRS pre-approvedAdded Oct 2, 2026Open
  • IRS letter with the plan’s tax IDAdded Oct 8, 2026Open
  • Brokerage account applicationAdded Oct 9, 2026Open

Signed electronically on October 7, 2026 as Rivera Advisory LLC, by Dana Rivera, authorized officer and as Dana Rivera, trustee. The signature record, with a fingerprint of each document, is kept with the plan.