Latest / The High Net Worth Podcast with Fexingo: Wealth Management, Tax Strategy, and Affluent Finance
How Ultra-Wealthy Families Use Defined Benefit Plans
In episode 146, Lucas and Luna explore how ultra-wealthy families leverage defined benefit pension plans as a powerful tax-deferral and wealth-building tool. Focusing on a concrete case, they walk through how a 55-year-old founder can contribute up to $325,000 annually to a cash balance plan, slashing taxable income while building a guaranteed retirement pool. The episode breaks down the mechanics, the actuarial requirements, the risks (including overfunding penalties and administrative costs), and how these plans fit into a broader estate and tax strategy. Lucas and Luna also highlight who…
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