Our Perspective
Safe Harbor Rescue for ADP Failure
A recent call with a financial advisor in Arizona is representative of a common question on options for failing an ADP test.
Enhanced QACA Match
A recent call with a financial advisor in Virginia reflects a common question on Qualified Automatic Contribution Arrangements (QACAs).
Trump Accounts and FAFSA
A recent call with a financial advisor in North Carolina is representative of a common question about a Trump Account’s impact on financial aid eligibility.
Expense Ratio Changes and Notice Requirements
A recent call with a financial advisor in Pennsylvania is representative of a common question on fee changes.
Successor Plan Rules
A recent call with a financial advisor in Nevada reflects a common question about successor plan rules.
Automatic Enrollment Failure
A recent call with a financial advisor in California is representative of a common question about the automatic enrollment mandate.
Estates as IRA Beneficiaries
A recent call with a financial advisor in Louisiana reflects a common question about IRAs and estate beneficiaries.
Revisit Beneficiary Designations
Welcome to the Retirement Learning Center’s (RLC’s) Case of the Week. Our ERISA consultants regularly receive calls from financial advisors on a broad array of technical topics related to IRAs, qualified retirement plans and other types of retirement savings and income plans, including nonqualified plans, stock options, Social Security and Medicare. This is where we highlight the most relevant topics affecting your business. A recent call with a financial advisor in Massachusetts is representative of a common question on beneficiary designations.
Plan Loan Rollover Options
A recent call with a financial advisor in Texas is representative of a common question on mergers and acquisitions.
Market Value Adjustments and Fiduciary Liability
A recent call with a financial advisor in Massachusetts illustrates a common question about stable value investments.
Missed After-Tax Opportunity
A recent call with a financial advisor in California is representative of a common question in plan administration.
Roth IRAs vs. Designated Roth 401(k) Accounts
A recent call with a financial advisor in New York is representative of a common question on Roth IRA versus Designated Roth 401(k).
Top-Heavy Minimum Contribution
A recent call with a financial advisor in New York is representative of a common question on top-heavy requirements for 401(k) plans.
AI vs. FA
A recent call with a financial advisor in Pennsylvania is representative of a common question on artificial intelligence.
Governmental Entity or Not?
A recent call with a financial advisor in Utah is representative of a common question on governmental entities.
Solo 401(k)s and First-Trust Deeds?
A recent call with a financial advisor in California is representative of a common question on self-directed Solo 401(k) investments.
Rule of 55
A recent call with a financial advisor in Maryland is representative of a common question on exceptions to the 10% additional tax on early retirement plan withdrawals.
Where Trump Accounts Fit
A recent call with a financial advisor in California is representative of a common question on Trump Accounts for kids.
Plans and M&As
A recent call with a financial advisor in California is representative of a common question on mergers and acquisitions.
DFVCP Special Filing Cap
A recent call with a financial advisor in Minnesota is representative of a common question on correcting missed Form 5500 filings under the Department of Labor’s Delinquent Filer Voluntary Compliance Program (DFVCP).