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Plan Sponsor Education

Understanding Financial Statement Audits

While we hope you have never had to experience it, you’re no doubt familiar with the idea of an audit of your personal or corporate tax return. But you may not be familiar with an audit of

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Plan Sponsor Education

Maximizing a Business Owner’s Retirement Benefit

It’s a common story – business owners put everything into their businesses for years before being in a financial position to put real money away for retirement. Once you’re

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Plan Sponsor Education

Understanding How Forfeitures Work in Your Retirement Plan

When we talk about 401(k) retirement plans, we sometimes focus on the contributions made by employees that are always immediately vested. In other words, it’s their money and they can

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Plan Sponsor Education

The Loan They Never Take May Make All the Difference

IRS rules provide for participant loans and hardship withdrawals from 401(k) and other plans. They’re not required, but rather left to the discretion of you, the plan sponsor. Today,

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Plan Sponsor Education

3(16) Fiduciary Service and Why You Should Care

People who exercise control and authority over the management of a retirement plan’s assets are fiduciaries. So are professionals who provide investment advice with respect to those

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Plan Sponsor Education

Did You Know You Are a Fiduciary?

When it comes to the topic of fiduciary responsibilities for qualified retirement plans, there are three things we know really well: Plan sponsors like you are, by definition, a fiduciary of

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Plan Sponsor Education

When to Set Sail with Safe Harbor

You already know that a 401(k) is a very popular retirement plan and, like other plan designs, it allows your employees to take advantage of tax deferrals on contributions and earnings while

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Plan Sponsor Education

Cash Balance Plans Allow Six Figure Annual Contributions

Most people can contribute to their 401(k) without worrying about exceeding the annual contribution limit. If you’re under 50 years old, that’s $19,000 a year. If you’re 50 or

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Plan Sponsor Education

Defined Benefit Plans are Alive and Well

For the most part, the news about Defined Benefit plans lately has not been particularly good. Whether a big company could no longer fund its plan or how it was bankrupting their business,

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Plan Sponsor Education

Financial Wellness – It’s Essential to Saving for Retirement

Introducing a workplace retirement plan can be a compelling way for emplyees to take control of their retirement savings, but for so many people that don’t have control of their personal