I sit down with top planning expert, Rohit Punyani, to break down how Defined Benefit (DB) plans can be used as a powerful tax strategy for business owners and how they can potentially write off 6 to 7+ figure life insurance premiums. In this masterclass, we cover how DB plans (under 401a) work, who they’re best for, and why they allow for significantly larger deductions than traditional 401(k)s. We also dive into the advanced strategy of integrating life insurance and annuities inside the plan, how “tax arbitrage” is created through funding and distribution, and how policies can be repositioned for long-term, tax-advantaged growth and liquidity, along with policy design secrets you won't learn anywhere else.

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Chapters:

00:00 - Introduction to Cash Balance Plans

01:51 - Background of the Speaker

07:31 - Comparing 401k and 401A Plans

10:00 - Eligible Assets for 401A Plans

11:04 - Contribution Requirements and Constraints

13:00 - The Exit Strategy and Tax Arbitrage

23:00 - Statutory Limits and Plan Design

33:01 - Death Benefits and Spousal Provisions

37:11 - Required Rates of Return

54:49 - Life Insurance as a Bond Proxy

01:03:04 - Estate Planning Strategies

01:06:12 - Qualifying for a 401A Plan

01:09:16 - Employee Participation and Retainment

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*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.