’Everyone loves a good stocking stuffer — those little surprises that turn out to be the most useful gifts. Consider this our holiday edition: we’ve bundled up our most-requested retirement plan resources (plus a few bonus treats) and tucked them neatly into your stocking. No wrapping required.
Pour some cocoa, hang the twinkle lights, and dig in.
Tax Credits: Sweet Treats from SECURE & SECURE 2.0
Why it’s great: These new tax credits are basically candy canes for small business owners. From startup incentives to automatic enrollment perks, this guide explains what’s available and why it’s sweeter than sugar cookies.
Additional commentary: A credit really is the gift that keeps on giving — and this breakdown shows how to unwrap every last benefit.
SECURE 2.0 Breakdown: All the Trimmings
Why it’s great: You’ve heard about SECURE 2.0 the last few years more than you’ve heard Mariah Carey this season — but this piece trims it down to the most important highlights.
Additional commentary: With so many moving pieces, SECURE 2.0 can feel like holiday shopping chaos. This summary is your tidy, gift-wrapped version.
SEP vs. SIMPLE vs. 401(k): The Holiday Showdown
Why it’s great: SIMPLE IRAs can be a good option for employers seeking lower deductions and less regulation, but often a 401(k) offers more flexibility. This chart lays out the pros and cons of each plan type so you can compare them faster than your shopping list.
Additional commentary: No mystery gifts here — this chart shows exactly what’s inside each option, helping you choose the right fit with clarity.
Retroactive Plans: The Gift You Can Still Open
Why it’s great: Missed the deadline for establishing a cash balance, defined benefit, or profit sharing plan this year? Don’t pout. Don’t cry. Retroactive setup options still let you snag the benefits. Relax now and still establish a cash balance, defined benefit, or profit sharing plan next year — retroactive for this plan year.
Additional commentary: It’s like a last-minute delivery that arrives just in time — this resource helps make sure no opportunity is missed.
Safe Harbor Plans: A Holiday Classic
Why it’s great: Just like gingerbread houses or spin the dreidel, safe harbor plans never go out of style. This resource explains how they work and why they continue to be a staple solution for business owners.
Additional commentary: Picking the right safe harbor formula is like choosing your favorite cookie recipe — this guide helps you bake up the perfect fit.
Plan Design Alternatives: A Sleigh Full of Options
Why it’s great: Retirement plan options are as plentiful as your holiday-gathering grocery list. This resource compares different contribution levels and designs, with a table covering both defined benefit and defined contribution plans.
Additional commentary: No assembly stress here — this guide lays out the options neatly, making plan design comparisons quick and easy.
Does Your State Know Best? The Standard vs. the Custom Gift
Why it’s great: State-sponsored retirement programs are expanding, but they’re not always the best fit. This piece explains why a custom plan can offer more flexibility and options.
Additional commentary: Sometimes the “standard issue” option doesn’t deliver the joy. A customized plan often provides more value and satisfaction.
Cash Balance Plans: Bigger Benefits, Wrapped Up
Why it’s great: Cash balance plans deliver bigger savings than a traditional 401(k) — think of them as the shiny new bike instead of socks. This piece explains the key details.
Additional commentary: Quick reference charts make it easy to see contribution opportunities by age and compensation — no assembly required.
403(b) vs. 401(k): The Name-Tag Fix
Why it’s great: These two plans often get confused, but this side-by-side comparison makes the differences clear.
Additional commentary: When questions come up, this chart is the handy resource to keep distinctions straight without the mix-ups.
Compliance Calendars: Your Countdown to Success (Defined Contribution Version & Defined Benefit Version)
Why they’re great: Staying on top of deadlines is critical, and these calendars provide a clear month-by-month checklist.
Additional commentary: No one wants coal in the form of missed deadlines. These keep everything merry and bright all year long.
That’s a wrap! (pun intended)
And that’s our year-end package of resources — helpful, practical, and ready to carry you into a bright new year. Have questions on any of these topics? Reach out below; we’re ready to help.
