A cash balance plan can be one of the most powerful tax‑deferred tools available to a practice‑owning surgeon—but only if it’s funded on schedule. This article walks you through a simple mid‑year pacing check, explains what chronic underfunding can cost in taxes and penalties, and shows how to coordinate your cash balance plan with your 401(k) and profit‑sharing strategy so you stay within IRS limits and keep your largest tax shelter on track.

Many S-Corp owners are told to “keep your salary as low as possible” to save on payroll taxes—but at higher income levels, that advice can quietly cost you six figures in lost retirement wealth. This article shows Orthopedic Surgeons how to align salary, QBI, and 401(k)/cash balance contributions so their tax strategy actually builds wealth.

High-earning orthopedic surgeons aren’t overtaxed—they’re understructured. Learn how S-Corp salary tuning, cash balance plans, and cost segregation can plug $80K–$130K+ in annual tax leaks and build long-term wealth.