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Have you been here: a serious financial hardship has struck your family and you’re in desperate need of funds? Whether it’s a medical expense, avoiding eviction, a burial/funeral expense, or another extremely difficult situation, we have a little bit of good news. Getting a hardship distribution from your 401(k) to help in these times just...
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It’s National Waffle Week – and what’s more flexible than a waffle? OK, maybe technically a lot of things. But think about it – waffles are paired with chicken, used as an awesome vehicle for breakfast sandwiches, and taste delicious with a plethora of fruits, syrups, and of course, whip cream. Craving waffles yet? How...
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With all of life’s responsibilities, automation can sure help make things easier. Things like automatic bill pay, automatic vacuums (Roombas for the WIN), and automatic transmissions have definitely helped me! Another “automatic” with several perks has become more prevalent with recent legislation: automatic enrollment in retirement plans. SECURE 2.0 includes a new requirement that will...
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Do you ever wish your life, or to-do list, at least, was simpler? I do. In fact, here are just a few things I wish were simpler: Assembling furniture (looking at YOU, IKEA) Traveling/getting through TSA security (wait, I need to take my snacks out of my bag?) Taking care of my dog (why is...
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Cash balance and defined benefit plans can be a huge opportunity, offering several golden nuggets for business owners and their employees. These plans midas well be famous for allowing employers to save significantly more and providing major tax benefits. Yet, they are complex and subject to numerous regulations from the DOL and IRS. Therefore, trying...
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The scenario: helping others while searching for a retirement plan solution My husband opened a medical practice in Orange County in California in 2022. After spending so many years studying and training, we were so happy to have opened up a business that we take care of together.Naturally, one of the biggest concerns as a...
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Unpacking the acronym and new retirement plan legislation “What we need are some more retirement plan acronyms” – said no one ever. BUT, they’re here to stay, because long-term part-time (LTPT) employees is a mouthful. So, why is this acronym popping up now and why are we talking about LTPT employees? The SECURE Act and...
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Making Cents of It All Oh how dimes have changed! With the decline of pensions, crazy inflation, and increased rent and housing costs, the “retirement crisis” in America continues. Makes cents, right? This isn’t news to any of us, and it definitely isn’t to the government. In fact, state and federal governments are trying to...
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It’s National Couple Appreciation Month, so let’s take a moment to celebrate some great couples throughout history: Jane and Tarzan, Ross and Rachel, Han Solo and Princess Leia, and EGPS TPA and 3(16) fiduciary services! Catch ya off guard with that last one? This pair may not be iconic, but this dynamic duo makes the...
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The SECURE Act sprung on the scene in late 2019 and gave tax credits a new hero available to help defray plan start-up costs beginning in 2020. The long-anticipated sequel, SECURE 2.0, released in December 2022, recast this favorite A-lister, and kicked her up a notch. Wham, pow! Tax Credit starts saving small businesses even...
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