$300k+/year deductible contributions for older high-earners.
Fully-insured defined benefit plan (funded with life insurance/annuities under §412(e)(3)) allows very large deductible contributions — often $250–500k/yr for 50+ year-old owners of small businesses (few or no employees). Guaranteed retirement income + massive current tax deduction. Ideal for late-career high-earners playing catch-up.
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Shelter $69K/yr and borrow up to $50K from yourself.
Invest retirement funds in real estate, private equity, notes.
Use 401(k)/IRA to fund a business — no tax, no loan.
Shelter $100K–$300K+/yr for high-earning owner-only businesses.
Get $46K+/yr into Roth despite income limits.
Pre-tax in, tax-free growth, tax-free out — the only triple-tax account.
Borrow up to $50k against your own retirement — pay yourself interest.
Triple tax-free vehicle — the best account in the code.