Setup / Step 4 of 9
Review and sign your plan.
These documents create the plan and its trust. Here is what they say in plain terms. Read the full text of each before you sign.
Your plan at a glance
- Plan name
- Rivera Advisory LLC Cash Balance Plan
- Starts
- January 1, 2026. Plan years run with the calendar.
- Sponsor
- Rivera Advisory LLC
- Trustee and plan administrator
- You. You decide, sign and file; we prepare everything and remind you when it’s due.
- Who is covered
- You, and your spouse if the business later pays them.
- Pay credit
- An amount added to your account each year, sized to reach the IRS limit by retirement age. $228,420 for 2026.
- Interest credit
- The actual return on the plan’s investments, gains and losses alike.
- Floor when paid out
- Never less than the total of your pay credits. If losses leave the account short, the business makes up the difference.
- Retirement age
- 62
- Vesting
- Immediate. Every dollar is yours from the start.
- Each year
- The business contributes at least the minimum the actuary sets, including in a lean year. A plan is meant to be permanent. For 2026: $223,052.