James Esposito

Qualified Plans Consultant

Library » Profit Sharing Allocation Methods - The Better Part of Discretion

May 13, 2020 | Retirement Plans

Most Profit Sharing/401(k) Plan sponsors have the basic understanding that the plan contributions must not discriminate in favor of the owners and other highly paid participants over non-owners and non-highly paid participants. Many business owners interpret this to mean “I can’t contribute more …

Library » Webinar: Growing Your Practice Through Opportunities with Charitable Organizations

May 08, 2019 | Investment Management

If you’re an advisor traditionally focused on high-net-worth clients, the endowment and foundation space can be a natural area for growth. With more than 1.3 million 501(c)(3) organizations in existence there are plenty of non-profits that could benefit from working with …

James Esposito

Qualified Plans Consultant

Library » Regulatory FAQs: Cash Balance Plans

October 27, 2018 | Retirement Plans

Cash balance pension plans are growing in popularity, but I don’t know much about them. How is a cash balance plan different from a traditional defined benefit pension plan? It’s best to start this discussion with an illustration. If you were given a choice between the following two pension …

Library » Webinar: How to Transform Your Practice Using LinkedIn

August 09, 2017 | Investment Management

  How did one sales team take its tactics from analog to digital? Two words: social selling. Social selling can help build your personal brand in a world where consumers make 57% of their buying decisions prior to the first meeting. It can help you find new prospects, build on …

Library » Narrowing In on the Right Approach

August 30, 2016 | Retirement Plans

Introduction One of the primary objectives that plan sponsors are tasked with is designing/implementing an investment menu that affords participants the greatest opportunity to achieve their retirement goals. While this seems like a relatively straightforward task, there is no one-size-fits-all …

Shelby George

Senior Vice President, Advisor Services

Library » Converge, Volume 5: Unlocking the Potential of HSAs

February 09, 2015 | Retirement Plans

More and more individuals cite health care costs in retirement as a top concern, and an area where they need help with planning. Advisors who have the tools to help navigate this complicated topic may be in a strong position to assist their clients with preparing for a secure retirement. In …

Library » Converge, Volume 5: Emerging Issues in Fiduciary Responsibility

February 09, 2015 | Fiduciary

If you have ever heard anyone on your 401(k) investment committee assert, “You know, we can’t/won’t get sued for using [insert household name here] on our investment menu” - or if you have said this yourself -- read on. The spike in 401(k) plan-related litigation over the past few years should …