KTRADE is committed to supporting each of our clients in gaining the greatest value from their relationship with us. We are pleased to share our Employer Connect Video Series which features information every plan sponsor should know. We invite you to watch these videos and contact us to discuss how this information applies to your specific situation.


Plan Fiduciary Services and Why They Matter

Plan Fiduciary Services and Why They Matter

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. As a company owner or executive, in most cases you also play an investment fiduciary role unless you partially...
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The Loan They Never Take May Make All the Difference

The Loan They Never Take May Make All the Difference

IRS rules provide for participant loans and hardship withdrawals from 401(k) and other plans. They're not required, but rather left to the discretion of you, the plan sponsor. Today, there's a good bit of debate about how participant loans affect long-term retirement outcomes. On one hand, it's not ...
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Understanding How Forfeitures Work in Your Retirement Plan

Understanding How Forfeitures Work in Your Retirement Plan

When we talk about 401(k) 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 certain IRS rules about early withdrawals.
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Maximizing a Business Owner’s Retirement Benefit

Maximizing a Business Owner’s Retirement Benefit

It'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 you're ready to really get going, we can suggest a number of retirement plan designs and individual plan features that can help you re...
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Understanding Financial Statement Audits

Understanding Financial Statement Audits

While we hope you have never had to experience it, you're no doubt familiar with the idea of an audit of your personal or corporate tax return. But you may not be familiar with an audit of your qualified retirement plan. There are two broad categories of retirement plan audits. Today, we'll focus qu...
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Advantages of an Unbundled Retirement Plan Solution

Advantages of an Unbundled Retirement Plan Solution

There are some things 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 qualities and features we want. In re...
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Aligning Plan Design with Your Goals

Aligning Plan Design with Your Goals

Most of us live in homes that were not custom-designed for us. We adapt to them rather than expect them to be optimized to how we like to live. Most retirement plans are sold the same way. Companies buy something off the shelf that was intended for a generic audience, but not necessarily ideally sui...
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