Cash Balance Plans are a type of tax-qualified retirement plan that allow business owners to make large tax-deductible contributions into a tax-qualified trust. With the right partner and resources, it is fairly easy for advisors to gain the knowledge needed to begin marketing and serving Cash Balance clients. Here are five reasons advisors should consider making Cash Balance Plans part of their practice.

September 20, 2018 — Although not all public pensions are poorly funded, the average public plan’s funded ratio is still well below its pre-financial crisis level. In this piece we outline some practical tips to protect plan participants, reduce risk, and make the most of limited resources.

July 19, 2018 — The rules governing public DB plans make the application of asset/liability management uniquely different from their corporate DB siblings. In this piece we explore an investment approach that balances the key plan objectives of 1) meeting near-term benefit obligations and 2) growing plan assets at the estimated return on assets.

April 19, 2018 — In this piece, we explore the return of market volatility and the potential impact of market movements on a typical corporate DB plan.

March 14, 2017 — Interest rate volatility can create challenges for many types of investors. This is especially true for DB plans with cash-flow liabilities that go well beyond 30 years, which is the practical limit of maturities in the cash bond market.

March 14, 2017 — The primary goal of liability-driven investing (LDI) is to hedge liability cash flows. On the surface, achieving that goal is relatively simple: analyze the projected cash flows and build a portfolio of bonds to provide the funds needed at the time they are needed.

December 20, 2016 — Different liability valuation methodologies can result in a meaningful difference in the measurement of plan health, or the funded status.

September 7, 2016 — Watch Meghan Elwell, Director of Strategy Development at Sage discuss the Cash Balance landscape.