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The Value of an Independent 3(16) Fiduciary

…participants’ needs. With such flexibility should come interactivity. Does your potential service provider offer a consultative and strategic approach to your retirement plan design? Will they furnish a thorough review of the existing program and provide peer analysis and competitive considerations? Going hand-in-hand with those…

Practical and Tactical Actions for Small Businesses

SECURE Act 2.0 gives small business owners exciting new tactics and strategies designed to help them achieve business goals as well as retirement savings objectives for themselves and their employees. Attend this seminar to learn how to use qualified retirement plans and executive compensation arrangements…

SECURE 2.0 – The Top Five Provisions Plan Sponsors Ask About

…five most asked about provisions by Pentegra’s plan sponsor clients include the following: All catch-up contributions (for participants age 50 or over) to qualified retirement plans must be designated as after-tax Roth contributions, unless a participant has compensation of $145,000 or less. This provision is…

What 401(k) RESA Legislation Means for MEPs and PEPs

…include: must be run by a PPP (Pooled Plan Provider); must designate one or more bank[2] trustees who are not participating employers to ensure contributions are properly collected and remitted and hold assets for safekeeping; no unreasonable restrictions, fees, or penalties. Electronic Delivery as the…

Emergency Savings Accounts May Change Mindset and Retirement Outcomes

…contributions are possible Contributions above the cap can be directed to the plan’s designed Roth account or stopped until the ESA balance drops below the limit. Withdrawals are liberal Participants must be allowed to take at least one withdrawal per month, and the first four…

Understanding Asset Classes

…money for at least several years. WHAT ARE FIXED INCOME FUNDS? Fixed Income investments are designed to protect the value of your money over short periods of time. These types of investments generally present a low risk of losing principal. Fixed income funds include money…

Target Date Funds

p>Target date funds, also sometimes called ‘age-based’ or ‘time horizon’ funds, are a series of balanced investment portfolios designed to correspond with a particular retirement time horizon. These funds seek to meet retirement goals through a combination of capital appreciation and income. WHY USE TARGET…

The Educated 3(16) Fiduciary

plan sponsor to engage in an objective process designed to elicit information necessary to evaluate candidates considering, but not limited to, the following: Qualifications of the service provider, Whether it has a consistent track record of service, Its professional “bench-strength” and tenure of staff, The…

IRS SECURE 2.0 “Grab Bag” Guidance – Cash Balance Plans

…the rate of return on, e.g., a designated S&P 500 Index fund or the yield on designated fixed income securities, not to exceed 6%. In implementing this provision, a critical question has been, if a plan that did not use a market rate (because of…

Decumulation – Strategies and Trends

…of decumulation work together. We’ll discuss how employers and advisors can offer effective plan designs that allow employees to maximize their options, and throughout, we’ll weave in tips and food for thought for your employees to consider to help set them up for retirement success!…

PENTalk™ – The Pentegra Smartpath™

The Pentegra SmartPathTM and the path to retirement readiness discusses best practices in plan design and savings strategies geared toward helping participants achieve more successful outcomes.