Unfortunately, no. Our billing process does not allow you to wait until you file your tax return. This is for the following reasons: During April, we begin our internal client processing. This includes updating your plan file, rolling forward funding contributions, and performing our internal review. So we start working on your plan even before you have funded. Our actuary must run your numbers and spend time calculating your funding range. We need to receive payment in advance of this process. There must be ample time between receiving payment, providing your funding range, making your contribution, and filing your tax return. IRS Form 5500 is required to be filed by July 31st. While we can extended this deadline, we need to prepare the extension request and must receive payment in advance. Lastly, as you are aware, these are permanent plans and so you are subject to mandatory funding requirements. You cannot \\"elect out\\" or change your mind. So annual administration is required. Of course, we can make exceptions for clients under unusual situations like being ill, overseas travel, death in the family, etc. Just let us know if you have any questions.