Understanding the CARES Act

Understanding the CARES Act

Understanding the CARES Act   On Friday, March 27, 2020, the Coronavirus Aid, Relief, and Economic Security Act (CARES Act), a massive relief bill for those suffering as a result of the Coronavirus pandemic, was signed into law. Besides the generalized financial...
How the SECURE Act is Changing Retirement

How the SECURE Act is Changing Retirement

How the SECURE Act is Changing Retirement On December 20, 2019, the Setting Every Community Up for Retirement Enhancement (SECURE) Act was signed into law. The SECURE Act represents some of the most significant changes to retirement plan law since the passage of the...
The Final Rule on Hardship Distributions

The Final Rule on Hardship Distributions

The Final Rule on Hardship Distributions On Sept. 23rd, the IRS published a final rule that relaxes several existing restrictions on participant hardship distributions from defined contribution plans. Some of these changes are mandatory, requiring employers to make...
Safe Harbor 401(k) Plan Design

Safe Harbor 401(k) Plan Design

Safe Harbor 401(k) Plan Design Being the bearer of bad news isn’t fun. When the third-party administration firm relays that aspects of the annual compliance testing have failed causing many of the company’s executives to receive taxable distributions from the plan, it...
IRS Announces Limits for 2020

IRS Announces Limits for 2020

IRS Announces Limits for 2020 On November 6th, 2019, the IRS announced the cost of living adjustments affecting the dollar limitations for retirement plans.   Contribution and benefit increases are based on a calculated change in the Consumer Price Index and are...
It’s All in the Design…

It’s All in the Design…

It’s All in the Design… The economy continues at its strong pace, keeping unemployment at its lowest rate in nearly 50 years. While this is usually good news, employee financial vulnerability is clouding this sunny forecast. The repercussions are impacting...