FBS Group

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Disclaimer: Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

The Challenge: High Income, High Taxes, and Limited Savings

Dr. Alice has been maxing out her 401(k) profit-sharing plan, contributing around $77,500 per year (including catch-up contributions). Over the years, she’s built up about $600,000 in retirement savings—not bad, but not nearly enough given her high earnings and plans for financial security.

With five full-time staff members, she values her employees and provides them with safe harbor 401(k) contributions. But she needs a way to turbocharge her savings while reducing her growing tax burden.

The Solution: A Cash Balance Plan
After consulting with a Third-Party Administrator (TPA) and her CPA, Dr. Alice learns about Cash Balance Plans (CBPs)—a game-changing strategy for high-income professionals like her.

Here’s how her plan is structured:
✔ Dr. Alice contributes $232,000 per year to her CBP
✔ Her staff receives a modest 2–4% pay credit ($3,000–$5,000 per employee)
✔ The plan’s interest credit is set at 5%,

Read more
https://fbsgroup.co/cbp-blog/

Disclaimer: This case study is a hypothetical scenario created for illustrative purposes only. While the income figures, tax implications, and retirement strategies discussed have been evaluated for realistic financial accuracy, Dr. Alice is a fictional character and not an actual client. Individual circumstances vary, and this content should not be considered personalized financial, tax, or legal advice. Please consult with a qualified advisor before making any financial decisions.

Mail us at [email protected] to schedule an intro call

Disclaimer: Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

📣 Are You an Airbnb Host Who Provides More Than Just a Place to Stay?

Do you:
Personally manage bookings and guest communication?
Offer cleaning, breakfast, or concierge-style services?
Treat your short-term rental like a business?

If yes, you may be classified as an active business owner, not just a landlord.
And that could mean huge tax-advantaged opportunities you’re missing out on.

🏦 We Help Airbnb Hosts Build Real Wealth
At FBS Securities, we specialize in helping business owners like you unlock the full financial potential of your active income.

✉️ Comment/ mail [email protected] for an introductory call.

Read the case study: https://fbsgroup.co/mega-back-door-roth-case-study/

Mail us at [email protected] to schedule an intro call

Disclaimer: This case study is a hypothetical scenario created for illustrative purposes only. While the income figures, tax implications, and retirement strategies discussed have been evaluated for realistic financial accuracy, Dr. Carter is a fictional character and not an actual client. Individual circumstances vary, and this content should not be considered personalized financial, tax, or legal advice. Please consult with a qualified advisor before making any financial decisions.

Mail us at [email protected] to schedule your intro call

Disclaimer: Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

Mail us at [email protected] to schedule your intro call

Disclaimer: Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

Comment "review" or email us at [email protected] to schedule an intro call

Disclaimer: This case study is a hypothetical scenario created for illustrative purposes only. While the income figures, tax implications, and retirement strategies discussed have been evaluated for realistic financial accuracy, she is a fictional character and not an actual client. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

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Mail us at [email protected] to schedule an intro call

Disclaimer: Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.