Newsletter

January 2022 Newsletter

January 2022 Newsletter

When Does a Participant Loan Become a Deemed Distribution?A recent IRS Issue Snapshot (link below) affirms that a participant loan is a legally enforceable agreement and terms of the loan agreement must comply with Internal Revenue Code (IRC Section 72(p)(2) and...

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December 2021 Newsletter

December 2021 Newsletter

Cybersecurity Best Practices for Plan Sponsors Participant data and financial accounts comprise some of the most sensitive and potentially vulnerable information under a company’s care. These highly valuable assets can be an attractive target for cybercriminals and...

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November 2021 Newsletter

November 2021 Newsletter

3 Tactics to Combat the Great Resignation During the pandemic, workers quit their jobs in record numbers across the U.S. According to the Bureau of Labor Statistics (BLS), four million employees (2.7%) resigned their positions in April 2021, the largest number ever...

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October 2021 Newsletter

October 2021 Newsletter

DOL Cybersecurity Tips In this age of relying heavily on technology, it is vital to take the necessary cyber security precautions. You want to make sure that all sensitive information is highly protected. This document showcases some tips and tricks for plan sponsors....

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September 2021 Newsletter

September 2021 Newsletter

When It Comes to Financial Wellness… the Time Is Now While one could say it’s always a good idea to focus on well-being of any type — whether that’s physical, mental, or financial wellness — there’s perhaps never been a more important time to help employees improve...

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August 2021 Newsletter

August 2021 Newsletter

Generational Influences and Behavioral Finance Understanding generational attitudes toward investing and the cognitive biases that can lead participants astray is key to helping employees of all ages improve their financial wellness and prepare for a secure and...

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July 2021 Newsletter

Bitcoin: Coming to a 401(k) plan near you?  Our 2018 report on Bitcoin (BTC), and the conclusions therefrom, remain relevant today. In short, the prudence in adding Bitcoin to a retirement plan is questionable, at best. Please see our past Retirement Times...

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June 2021 Newsletter

If You are Going to Exclude Active Funds from Your Retirement Plan Investment Lineup, Have Darn Good Reasons The tidal surge of funds flowing from actively managed funds into passive funds reached a tipping point in 2019, when Morningstar preliminary data indicated...

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Other Resources

2021 Form 8880

Use Form 8880 to figure the amount, if any, of your retirement savings contributions credit (also known as the saver’s credit). You may be able to take this credit if you, or your spouse if filing jointly, made (a) contributions (other than rollover contributions) to...

January 2022 Newsletter

January 2022 Newsletter

When Does a Participant Loan Become a Deemed Distribution?A recent IRS Issue Snapshot (link below) affirms that a participant loan is a legally enforceable agreement and terms of the loan agreement must comply with Internal Revenue Code (IRC Section 72(p)(2) and...

Ten Things to Know About Your Employer’s Retirement Plan

Ten Things to Know About Your Employer’s Retirement Plan

What it is? Your employer’s retirement plan is a defined contribution plan designed to help you finance your retirement. Federal and sometimes state taxes on your contributions and investment earnings are deferred until you receive a distribution from the plan...