Episode 74: Cash Balance Plans for High-Earning Physicians, Building a System for Lumpy Income, and Trust Provisions for Adult Kids

September 14th, 2026  |  17 mins 50 secs

adult children inheritance, cash balance plans, contingency attorney finance, estate planning, financial independence, gifting strategies, incentive trusts, inheritance planning, lumpy income planning, physician finance, retirement planning, tax planning, trust strategies

Stephan tackles three listener questions: whether a high-earning locums anesthesiologist should stack a $200K cash balance plan on top of a maxed solo 401(k), how a contingency attorney with wildly lumpy income and no plans to retire should build a real financial system, and what trust provisions preserve adult kids' drive without controlling from the grave.