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mark61504
Aug 291 min
Auto-enroll, but at what rate?
As a plan sponsor, one of your most important duties is to evaluate all aspects of the retirement plan. Frequently this includes...
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mark61504
Aug 91 min
The Auto Features are Coming
Beginning January 1, 2025, most employers with 401(k) and 403(b) plans established on or after December 29, 2022, must include an...
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mark61504
Jul 311 min
When to use those forfeitures?
In 2023, the Internal Revenue Service (IRS) released proposed regulations for how and when qualified defined contribution plans must use...
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mark61504
Jul 121 min
The Fortune 500 Class (of 1955)
Each year Fortune magazine publishes their Fortune 500. Of the 500 companies on the 2023 list, 49 have been on that list for the last 70...
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mark61504
Jun 281 min
How is America Doing?
According to Vanguard's "How America Saves", plan loans increased slightly in 2023. They went from 2.8% to 3.6%. 13% of plan...
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mark61504
Mar 71 min
Inherited IRA Headaches, when to take the RMD?
Were you fortunate enough to inherit someone's IRA? If so, there are a lot of questions to ask prior to figuring out the best path...
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mark61504
Feb 221 min
90% of Americans will file too early for Social Security
Americans can file for Social Security from age 62 to age 70. The normal retirement age for Social Security depends on when you were...
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mark61504
Feb 51 min
Sponsor Trends Past & Present
According to one major recordkeeper survey of their clients, they found the following trends as the leading changes ending in 2022 (in...
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mark61504
Dec 6, 20231 min
Offering a Simple-IRA & Debating a 401K? SECURE 2.0 Changes the Calculation
When companies are starting out, frequently any retirement plan will do. The smaller the company, the more likely they are to pursue the...
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mark61504
Nov 21, 20231 min
Thinking of Offering a Plan, SECURE 2.0 is Here to Help
For many employers, offering a 401K plan is often viewed as a luxury of larger companies. The perceived complexity can be enough to...
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mark61504
Nov 6, 20231 min
Plan Design Ideas for 2024
While everyone is already tired of talking about SECURE Act 2.0, what about some of those tax credits that you could get from the...
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mark61504
Jun 21, 20231 min
SECURE 2.0 Provisions for 2026
In 2026, what is old is suddenly new again as paper statements have a forced comeback under the SECURE Act 2.0. In addition, lower...
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mark61504
Jun 1, 20231 min
SECURE 2.0 Provisions for 2025
The SECURE Act 2.0 is now the law of the land and it includes tons of provisions relating to retirement plans. In 2025, the provisions...
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mark61504
May 23, 20231 min
SECURE 2.0 Key Provisions 2024
The SECURE Act 2.0 is now the law of the land and it includes tons of provisions relating to retirement plans. In 2024, a number of...
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mark61504
May 2, 20231 min
SECURE Act 2.0 Key Provisions for 2023
The SECURE Act 2.0 is now the law of the land and it includes tons of provisions relating to retirement plans. The general focus was on...
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mark61504
Apr 19, 20231 min
Social Security Fixes
For all of you armchair policy wonks, the American Academy of Actuaries has created a tool that helps look at possible policy fixes to...
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mark61504
Mar 30, 20231 min
From College Savings to Early Retirement, The SECURE Act 2.0 529 Rollover
The SECURE Act 2.0 which was passed at the end of 2022 has some pretty interesting provisions in it. One that has caught a lot attention...
30 views0 comments
mark61504
Nov 22, 20222 min
Social Security, How to plan for the unknown?
Nobody wants to enter retirement unsure if they will be able to afford basic goods and services. With meaningful inflation for the first...
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mark61504
Nov 3, 20221 min
How can Buy Now, Pay Later Hurt Retirement?
Point of sale installment plans seem to be everywhere. Companies like Affirm, Apple, Afterpay, Zip, and Paypal are just a few of the...
8 views0 comments
mark61504
Sep 22, 20221 min
SEC hits Schwab robo-adviser with $187 million dollar fine
Sometimes independence isn't all it is cracked up to be. As fees become a greater focal point of consumers, vendors have tried to lower...
21 views0 comments