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HSA vs 401(k)

HSA vs 401(k)

If your company has decided to offer a high deductible health plan, don’t worry, you are not alone. Recent studies show that an increasing number of employers have elected to offer high deductible health plans (HDHP) either to completely replace or be offered in conjunction with a more tra...
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Who is an Employee?

Who is an Employee?

Maintaining a retirement plan for your employees is no easy task. At various points during the year, employers and HR departments field participant questions, help with enrollments, deliver notices and statements, and participate in the distribution process. However, an additional responsibility...
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Advantages of an Unbundled Platform

Advantages of an Unbundled Platform

Download The Action DocThere are some things that we’re happy to buy right off the rack. After all, mass production usually means consistency and cost-savings. On the other hand, when we do buy off the shelf, we compromise on individual choice and sometimes flexibility in getting the exact qua...
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Plan Audits

Plan Audits

 Download The Action DocYour clients are familiar with the idea of an audit on their personal or corporate tax return, but they may not be familiar with an audit of their qualified retirement plan. There are two broad categories of plan audits. Today, we’ll focus quickly on two groups of plans...
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Maximizing an Owner's Retirement Benefit

Maximizing an Owner's Retirement Benefit

 Download The Action DocIt’s a common story – business owners put everything into their businesses for years before being in a financial position to put real money away for retirement. Once they’re ready to really get going, we can suggest a number of retirement plan designs a...
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Understanding how forfeitures work in retirement plans

Understanding how forfeitures work in retirement plans

 Download The Action DocWhen we talk about 401k type retirement plans we sometimes focus on the contributions made by employees that are ALWAYS immediately vested. In other words, it's THEIR money and they can always withdraw it without forfeiting ANY- subject to IRS rules about early withdrawa...
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Under the New Tax Law

Under the New Tax Law

After many rounds of negotiations, Congress passed the Tax Cuts and Jobs Act on December 20th, 2017.  Though retirement plan limit reductions were included in many iterations of the bill, the ultimate effect on qualified plans was relatively minimal.  There are two items of note that ...
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Navigating Distributions

Navigating Distributions

The first quarter of the calendar year typically sees an uptick in the number of retirement plan distributions and participant loans. This year may be even busier than most, given the relief announced by the IRS for victims of the recent hurricanes and wildfires. Whatever the reason, participant...
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3(16) Fiduciary Services and Why You Should Care

3(16) Fiduciary Services and Why You Should Care

 Download The Action DocAs a financial advisor, you know that the people who exercise control and authority over the management of a retirement plan’s assets are fiduciaries. So are professionals who provide investment advice with respect to those assets. In most cases, plan sponsors understan...
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iWork: The Next-Gen Workforce

iWork: The Next-Gen Workforce

Millennials. You may have noticed them around the office. You might think of them as the lazy, flighty, entitled generation born between the early 80's and 00's that say "totes" when they agree with you. Like any group of misplaced stereotypes, not all is as it appears when it comes to the...
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