Cash Balance Coach: Interview with Ken Guidroz

Cash Balance plan is a type of retirement plan that belongs to the same general class of plans known as "Qualified Plans." A 401(k) is a qualified plan. These plans "qualify" for tax deferral and creditor protection under ERISA. In a Cash Balance plan each participant has an account. The account grows annually in two ways: first, a contribution and second, an interest credit, which is guaranteed rather than being dependent on the plan's investment performance. Many owners and partners are looking for larger tax deductions and accelerated retirement savings. Cash Balance plans may be the perfect solution for them. 2006 legislation is encouraging more and more professionals and successful business owners to adopt this type of plan.


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The intrest in cash balance has been raising because of the increase in taxes.  Every kind of business, big and small, are interested and can be good candidates for cash balance.  Cash Balance plans have a lot of flexibility and options within cash balance plans, so they can be structured to satisfy the needs of everybody.

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Ken Guidroz
Director of New Plan Design
Kravitz, Inc.

Ken Guidroz, MBA, is the Director of New Plan Design at Kravitz, one of the leading pension firms in the nation. He speaks to CEO groups, professional firms, estate planning councils and investment professionals of all types. He also heads up a new national credential program for financial advisors on Cash Balance Plans, called Cash Balance Coach. He received his MBA from Pepperdine in 1995 and has been with Kravitz since 2005.


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