Retirement Plans
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2019 Defined Contribution Plan Compliance Calendar
Calendar Plan Year & Calendar Employer Tax Year* January 2019 15 Last day to file Form 945 to report withheld federal income tax from distributions 15 Last day to furnish Form 1099-R to recipients of distributions in 2018 February 2019 […]
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More Pension Lump Sum Cashout De-risking Activity Expected in 2019
Pension plan sponsors looking for significant cash savings and de-risking opportunities have another favorable environment to pull the participants’ lump sum cashout lever this year. But that lever includes several options and considerations. In 2019, the interest rate environment is […]
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Retirement Savings Opportunities for High Earning Owners and Professionals
Overview: For successful small businesses, a 401(k) plan combined with a cash balance plan can provide opportunities to: Build wealth and retirement savings for the owners/ professionals with much greater contributions than through a 401(k) plan alone Save on federal, […]
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The IRS Determination Letter Program Reopens (A Little) for More Business
If you sponsor a recently merged qualified retirement plan or an individually designed statutory hybrid plan, you may not be shut out from the IRS Determination Letter Program any longer. As you already know, a favorable determination letter on the […]
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Market Volatility Shows Importance of Pension Plan Termination Planning
Equity markets have rallied in early 2019 and the losses from December 2018 have all but been erased. Interest rates haven’t recovered to the November, 2018 high, but the funded status for most pension plans has rebounded. Findley’s April 2019 […]
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Building Toward a Better Retirement: Choice Architecture and Plan Participants
Overwhelming. That’s normally the first response plan participants give as to why they didn’t start saving for retirement. HR professionals and retirement consultants have heard it before, “Too many options; too many decisions; I wasn’t sure what these words even meant.”
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December 2018 Wreaks Havoc on Pension Plan Termination Funding – Could It Have Been Avoided?
The last few months once again have shown how volatile pension plan funded status can be. In 2018, leading up to December, many thought that their pension plans were getting closer and closer to being financially ready for a plan […]
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When a Retirement Plan has the Beneficiary Blues
If you’ve administered a retirement plan for any length of time, then you’ve probably “sung the blues” at some point when it comes to distributions to beneficiaries. Whether it’s the hassle of incomplete beneficiary designation forms; the mathematical mystery of […]
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2019 Pension Plan Compliance Calendar
Calendar Plan Year & Calendar Employer Tax Year* January 2019 15 Due date to make fourth required quarterly contribution for 2018 plan year 31 Last day to file Form 945 to report withheld federal income tax from distributions 31 Last day […]
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IRS Announcement May Allow Lump Sum Window for Retirees
Pension plan sponsors may have a new tool available to use in de-risking their pension plans – paying lump sums to retirees currently in payment status. As with some other de-risking initiatives, a retiree lump sum window could accomplish the […]
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