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Library » Collective Investment Trusts – An Important Fiduciary Consideration
June 07, 2021 | Retirement Plans
In recent years, many employers have frozen their defined benefit plans as 401(k) and other defined contribution plans have grown to become the primary retirement savings vehicles. Given that popularity, the structure and cost of 401(k) plans has come under greater scrutiny, resulting in an …
Financial Planning » Medicare Advantage: Is it Time to Make a Change?
January 27, 2021 | Retirement Plans
Medicare recipients who have enrolled in a Medicare Advantage Plan have the opportunity to make a change to their Advantage Plan if they are not happy with it. The window to modify Medicare coverage opened on January 1, 2021 and closes on March 31, 2021. This window also provides an opportunity …
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Individuals
Library » Case Study: Cash Balance and 401(k) Combination Plan Design
January 11, 2021 | Retirement Plans
Learn how a combination of cash balance and 401(k) plans can help business owners increase annual tax-advantaged retirement savings.
Financial Planning » Long-Term Care Month: The Costs
December 07, 2020 | Retirement Plans
Long-Term Care (LTC) not only requires logistical planning, but also careful cost consideration. In our last post, we detailed the specifics of who may need LTC and what kind, and now we’re digging into the cost of preparing yourselves for these types of substantial costs. Based on information …
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IndividualsFinancial Planning » Long-Term Care Month: What You Need to Know
November 25, 2020 | Retirement Plans
November is National Long-Term Care Awareness Month. With the holiday season right around the corner and many discussions to be had around the dinner table (or Zoom call) with your loved ones, now is the perfect time to learn about long-term care and begin the conversation with your family. …
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IndividualsLibrary » Investing Cash Balance Plan Assets
September 13, 2020 | Retirement Plans
Cash Balance plans are the fastest growing segment of the qualified retirement plan marketplace. At the end of 2001, there were 1,477 Cash Balance plans in the United States, representing 3% of all Defined Benefit plans, while at the end of 2017 there were 18,698 (excluding single-participant …
Library » Webinar: Cash Balance Plans and 401(k) Plan Combinations
August 27, 2020 | Retirement Plans
Cash balance plans are the fastest-growing segment of the ERISA-qualified plans marketplace. Employer contributions tend to double when a cash balance plan is adopted alongside an existing 401(k) plan, which allows business owners to improve both their own and their employees’ …
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Financial AdvisorsLibrary » Qualified Plans for Owner-Only S-Corporations
August 06, 2020 | Retirement Plans
Leverage a $75,000 W2 into a $179,000 retirement allocation S-Corporations (S-Corps) that are consistently and highly profitable (e.g. $350,000+/year in earnings) can leverage a relatively small annual W2 salary to minimize self-employment taxes and maximize qualified plan contributions by …
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Financial AdvisorsLibrary » 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 » What is a Cash Balance Plan?
April 03, 2020 | Retirement Plans
Cash Balance Plans have been around for many years, but were fraught with controversy stemming from age-discrimination lawsuits brought against plan sponsors who converted their traditional Defined Benefit (DB) Plans to Cash Balance Plans. It was not until the passage of the Pension Protection …