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April 2021 Newsletter
401(k) Plan Tax Credit Summary Eligible employers may be able to claim a tax credit of up to $5,000, for three years, for the ordinary and necessary costs of starting a SEP, SIMPLE IRA or qualified plan (like a 401(k) plan.) A tax credit reduces the amount of taxes...
March 2021 Newsletter
Investment refresh is an optional extension to automatic enrollment whereby participants would be notified that, as of a certain date, their current investment allocation will be transferred to the plan’s qualified default investment alternative (“QDIA”) investment.
February 2021 Newsletter
Continuity, Coronavirus, ERISA, Stimulus Package The coronavirus relief includes a “temporary rule preventing partial plan terminations” for plan sponsors of defined contribution retirement plans. The provision specifically states, “A plan shall not be treated as...
April 2021 Newsletter
401(k) Plan Tax Credit Summary Eligible employers may be able to claim a tax credit of up to $5,000, for three years, for the ordinary and necessary costs of starting a SEP, SIMPLE IRA or qualified plan (like a 401(k) plan.) A tax credit reduces the amount of taxes...
March 2021 Newsletter
Investment refresh is an optional extension to automatic enrollment whereby participants would be notified that, as of a certain date, their current investment allocation will be transferred to the plan’s qualified default investment alternative (“QDIA”) investment.
February 2021 Newsletter
Continuity, Coronavirus, ERISA, Stimulus Package The coronavirus relief includes a “temporary rule preventing partial plan terminations” for plan sponsors of defined contribution retirement plans. The provision specifically states, “A plan shall not be treated as...
January 2021 Newsletter
3(38) Advisory Services- Should Fiduciaries Outsource Retirement Plan Investment Responsibility? Department of Labor (DOL) enforcement recoveries are on the rise. A recent DOL report indicates that DOL recoveries have doubled since 2018 and tripled since 2016...
White Papers
Breaking Up… Is Easy to Do? When to Upgrade Your Financial Advisor
There are some primary reasons to change your or your client’s financial advisor: fees, fiduciary responsibility, investment choice or performance
Novel Coronavirus and Novel Opportunity for Fiduciary Review
There are so many titles floating around the retirement plan community that many plan sponsors have become numb to the differences and roles of...
Articles
Waterford Group Named 2020 NAPA Top DC Advisor Teams
March 29, 2021 – The Waterford Group, LLC is pleased to announce that they have been named to the 2020 edition of the National Association of Plan Advisors Top Defined Contribution Advisor Teams.
2020 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...
Participant’s Corner
Ten Reasons to Roll Into Your Employer’s Plan Versus an IRA
This month’s employee memo informs participants about the benefit of joining their employers plan versus an IRA.
Tax Saver’s Credit Reminder
This month’s employee memo informs employees about a valuable incentive which could reduce their federal income tax liability.
Don’t Skip the Match
This month’s employee memo encourages employees to conduct a regular examination of their retirement plan to determine whether any changes need to be made. Earn your full savings potential by hitting the full match plus more. This material was created to provide...
Ten Reasons to Roll Into Your Employer’s Plan Versus an IRA
This month’s employee memo informs participants about the benefit of joining their employers plan versus an IRA.
Tax Saver’s Credit Reminder
This month’s employee memo informs employees about a valuable incentive which could reduce their federal income tax liability.
Don’t Skip the Match
This month’s employee memo encourages employees to conduct a regular examination of their retirement plan to determine whether any changes need to be made. Earn your full savings potential by hitting the full match plus more. This material was created to provide...
Retirement Plan Facts
This month’s employee memo encourages employees to learn about their retirement plan to determine whether any changes need to be made. Your employer provides you with a retirement plan for you to save money in, tax-deferred, for the day you bid your career farewell...
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