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Retirement Plan Implications of the New Tax Bill

…to study the math so as to tweak their plan design advice — but relatively few business owners are going to outright stop contributing to or sponsoring plans. The new rules are less beneficial to business owners than the old, and contributions will likely drop…

The Lure of Non-Qualified Supplemental Retirement Benefit Plans

…employees. A SERP is also designed as a deferred compensation agreement between the company and the key executive, with the company agreeing to provide supplemental retirement income to the executive and his family if certain pre-agreed eligibility and vesting conditions are met by the executive….

FAQ’s About Required Notices

When does the safe harbor plan notice have to be distributed? If your 401(k) plan has a safe harbor design, you must provide eligible employees with a written notice at least 30 days and not more than 90 days before the beginning of every new…

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.

Your TPA Partner Can Help You Win Business

…orientation to be a consultative partner that listens and understands how to map the right plan design options to the right client to craft and optimize a retirement plan that can meet their tax and savings goals. We’re happy to work directly with you and…

Employer Connect: When to Set Sail with Safe Harbor

When to Set Sail with Safe Harbor You already know that a 401(k) is a very popular retirement plan and, like other plan designs, it allows your employees to take advantage of tax deferrals on contributions and earnings while their money accumulates for retirement. To…

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…

Compliance Essentials

…long-term goals if they are focused on short term problems. With good data, we will know, for example, if company owners are reaching their contributions limits. When this happens, there’s likely a good reason to talk about additional features or other plan design options that…

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!…

Are More Modifications Needed Before We Feel SECURE?

…As with the Multiple Employer Plan (MEP), the economies of scale allow the participating employers to charge lower fees than traditional plans. Both models are designed to benefit small businesses who otherwise might struggle to afford a traditional plan. What is different is that, with…

How Trump’s Win Could Affect the National Retirement System

…tax reform, which means “flattening the rates and broadening the base.” Translation: deductions for retirement savings may be under attack. New comparability and cash balance designs for small business may go away. Deferral contributions may be forced to be Roth contributions and not deductible. This…