In brief
Cash Balance Plan decisions align with your business tax calendar: Q1 (April 15) is when many owners finalize prior-year deductions; June and September estimated tax payments are key checkpoints to model contribution ranges; year-end is the last window to establish a new plan for the current tax year if not already in place.
April 15 - Q1 estimated tax
If you are evaluating a plan for the prior tax year, actuarial design and adoption must typically be completed before your filing deadline (including extensions strategy with your CPA). Early-year modeling prevents missed deduction opportunities.
June 15 and September 15 - mid-year planning
Use these estimated tax dates to reconcile projected income with planned contributions. Adjusting compensation, profit distributions, and contribution targets mid-year reduces surprises at year-end.
January - final estimated payment
The January estimated payment is often the last opportunity to align cash flow with contribution funding for the prior tax year. Plans for the new year should be modeled before Q1 payroll cycles begin.
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This article is for educational purposes only and does not constitute tax, legal, or investment advice. Individual circumstances vary. Montreux Wealth Management is a registered investment adviser. Contact f.hasan@montreuxwealth.com with questions.