Next steps
Ask Mike or Max
Still have a question? Ask Max for an instant answer any time, day or night, or ask Mike for a personal reply from a pension actuary.
Instant · AI assistant
Ask Max
Max knows this guide inside and out and can run rough numbers with the lifetime limit calculator. He's available around the clock.
Best for: general questions, quick comparisons, and ballpark figures.
AI answers can be wrong, and they're general education, not tax, legal, or investment advice. Your first question is free; after that Max asks for your name and email.
Personal · by email
Ask Mike
A personal answer from Mike Rutkowski, FSA, EA, MSPA, a pension actuary with more than 25 years of experience with Cash Balance and defined benefit plans.
Best for: a specific business or plan, a second opinion, or a question Max couldn't settle.
Looking for a full proposal with contribution ranges and any staff costs? See Getting started.