
Case study 5
Retirement Plans for High-Income Earners
Lisa, a 45-year-old doctor, has an S-Corp making \$400,000.
*Strategy:*
She sets up a *Solo 401(k) with defined benefit plan*.
* Defers \$23,000 (employee contribution).
* Employer (S-Corp) contributes \~\$40,000.
* Defined benefit plan allows an additional \~\$80,000.
*Tax Savings:*
She defers \\$143,000 into retirement accounts, saving **\\$55,000 in federal/state taxes annually**
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