Cash Balance Plan with Ricky Atamian, October Three

In this episode, Bonnie Yam explores cash balance plans with a guest expert. They compare these plans to 401(k)s, focusing on unique employee benefits. Key topics include workforce demographics, nondiscrimination, vesting, and forfeiture. Listeners learn about identifying ideal candidates, income consistency, and the IRS permanency rule. The episode also covers costs, expenses, market return dynamics, and fixed rate interest credits. It examines pooled accounts, in-service distributions, and strategies for maximizing deductions, highlighting investment flexibility. The episode wraps up with contact information and closing remarks.