Cash Balance Investments

Notes

Cash Balance Investments

Steven S. Sansone, J.D., AIF?

ssansone@ (818) 262-3458

October 10, 2017 Connect with me on LinkedIn @CashBalanceWhiz on Twitter

Copyright ? 2017 Kravitz, Inc. an Ascensus company. All rights reserved.

Curriculum: 4 Modules

Exam and Cash Balance Consultant

Certificate

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Copyright ? 2017 Kravitz, Inc. an Ascensus company. All rights reserved.

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Cash Balance CoachTM Program

Cash Balance Consultant, CBC

Notes

Outline

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A Quick Review

Investment Protocol

Investment Approach

Advisor Options

Advisor Role

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Copyright ? 2017 Kravitz, Inc. an Ascensus company. All rights reserved.

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Notes

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A Quick Review

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Copyright ? 2017 Kravitz, Inc. an Ascensus company. All rights reserved.

Our Objective?

Grow Your Business

through Cash Balance plan strategies

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Copyright ? 2017 Kravitz, Inc. an Ascensus company. All rights reserved.

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Notes

Cash Balance- The Big Picture

Cash Balance Plans fund for a benefit of $215,000 per year for life at age 62 = ~$2.7 million

Above and beyond the 401(k)/PS Plan

Cash Balance

Lifetime Limit $2.6M

Profit Sharing

Annual Limit of $54,000$60,000 including 401(k)

401(k) Annual Limit of $18,000

or $24,000, depending on age

Copyright ? 2017 Kravitz, Inc. an Ascensus company. All rights rese7rved.

A Big Reason to Focus on Cash Balance

$1m, $5m, 10m+

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Copyright ? 2017 Kravitz, Inc. an Ascensus company. All rights reserved.

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Notes

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Investment Protocol

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Copyright ? 2017 Kravitz, Inc. an Ascensus company. All rights reserved.

How Do I Invest the Money?

First: You can invest in any investment, subject to ERISA's prudence and diversification rules.

However...

Second: Understand and respect the unique investment protocol for Cash Balance plans.

~5.25%

2007 vs 2017

~4.85%

0.89%

3.00%

Copyright ? 2017 Kravitz, Inc. an Ascensus company. All rights reserved.

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