Cash Balance Plans Aren’t Gimmicks: Why High Earners Should Reconsider This Bona Fide Planning Tool
As Featured In: Kiplinger (Adviser Intel) — Omar A. Morillo, CFP®, ChFC®, AIF® · June 21, 2026
Standard 401(k) plans often leave a planning gap for high-earning professionals and business owners. In this Kiplinger Adviser Intel column, Imperio Wealth Advisors founder Omar Morillo explains how cash balance plans work, who tends to be the best fit, and the misconceptions that keep many eligible owners from considering the strategy.
The piece walks through plan mechanics, typical income thresholds where the strategy starts to make sense, and questions to ask before pursuing one.
This post summarizes content originally published by Kiplinger (Adviser Intel). It is provided for informational and educational purposes only and is not personalized investment, tax, or legal advice. Views expressed in the original piece are those of the quoted individuals and/or original publication, not a guarantee of future results. Investment Advisory Services are offered through Mariner Platform Solutions (MPS), an SEC-registered investment adviser. Imperio Wealth Advisors and MPS are not affiliated entities.
