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mark61504
- Nov 21
- 1 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
- 1 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
- 1 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
- 1 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
- 1 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
- 1 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
- 1 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
- 1 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...
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mark61504
- Nov 22, 2022
- 2 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, 2022
- 1 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...
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mark61504
- Sep 22, 2022
- 1 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...
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mark61504
- Sep 8, 2022
- 1 min
Stop Saving or Double Down?
When bear markets hit, retirements savers discipline is frequently tested. It can be discouraging to see your account balance go down...
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mark61504
- Aug 25, 2022
- 1 min
HSA limits going up
For the super saver's among us, hopefully you are fully taking advantage of your company retirement plan. 2022 limits of $20,500 and...
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mark61504
- Aug 5, 2022
- 1 min
Wild Wild West.....of 403b's
Despite all of the talk about 401K plan fees over the last decade, their cousins, the 403b, still lack clarity in terms of their...
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mark61504
- Jul 21, 2022
- 1 min
Aren't Stretch IRA's Dead?
Under the SECURE Act, the method of inheriting an IRA and then stretching it out over ones lifetime was greatly diminished. Imagine a...
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mark61504
- Jun 3, 2022
- 1 min
Hypothetical Trade-Offs and What They Tell Us About Ourselves
According to a 2021 PLANSPONSOR Participant Survey, the average retirement saver may not be that savvy. That is of course not what the...
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mark61504
- May 16, 2022
- 2 min
Time in the market, buying at a discount, and other things us financial professionals shouldn't say.
Well, here we are. The first quarter of 2022 stunk for your retirement accounts. The S&P 500 Index was down over 4% and the Barclays...
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mark61504
- Apr 6, 2022
- 1 min
What are the top financial priorities of employees?
According to The Financial Wellness Report, published in partnership with ADP, employees have a lot of concerns. The following is the...
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mark61504
- Mar 9, 2022
- 1 min
Another Proprietary Fund Lawsuit: What does independent even mean?
Lowe's famous tagline is "Do it right for less". In the case of their 401K plan, a judge found Aon didn’t violate ERISA when encouraging...
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mark61504
- Mar 7, 2022
- 1 min
DOL's ESG Rule & 401K's
The DOL issued a much anticipated rule on the use of ESG investments in retirement plans. The E stands for environmental, the S stands...
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