Disclosures
About Maxed
Maxed is a service of The Maxed Company Inc. Maxed provides plan documents, calculations, forms and software for cash balance plans sponsored by businesses whose only workers are the owners and their spouses.
Maxed is not a law firm, accounting firm, investment adviser, broker-dealer, custodian or trustee, and does not give tax, legal or investment advice. We do not hold or manage plan assets. Your plan's money is held in an account you open and control at the brokerage firm you choose.
You are the sponsor, trustee and plan administrator of your plan. Maxed prepares the filings and notices your plan needs and tells you when they are due. You review, sign and file them. Annual funding calculations are certified by an independent enrolled actuary.
Talk to your tax adviser about whether a cash balance plan is right for you.
About the figures on this site
Figures are illustrations, not a quote. They assume a business owner with no employees who has worked in the business for at least ten years and earns enough to support the contribution. What you can contribute depends on your age, pay, years in business and other retirement plans.
About your estimate
This is an estimate, not a contribution you may rely on when filing a tax return. It is based only on the answers you gave and on the assumptions listed on this page, and it has not been reviewed by an actuary.
Your actual contribution range is set each year by an actuarial valuation certified by an enrolled actuary, using your plan document, verified pay and the interest rates and mortality tables the IRS requires for that year. It can be higher or lower than this estimate.
Estimated tax savings compare federal and state income tax with and without the contribution, using published 2026 rates and the standard deduction. They leave out credits, itemized deductions, the alternative minimum tax, local taxes and anything else we did not ask about. Contributions are tax-deferred, not tax-free: withdrawals in retirement are taxed as ordinary income.
A cash balance plan is a commitment. The IRS expects a plan to be permanent, and once it is in place the business must make at least the minimum required contribution each year, including in years when income falls. Missing it can mean excise taxes.
About the deposit and fees
The $499 deposit reserves your plan setup and is applied to your first-year fee of $2,499. The remaining $2,000 is due when your plan documents are ready to sign.
The deposit is fully refundable. Ask for it back at any time before you sign your plan documents, for any reason, and we will return it to your original payment method.
After the first year, the $2,499 annual fee covers your yearly valuation, the actuary's certification, and preparation of your government filings. You can cancel before any renewal.