Is Your Plan in Need of a True-Up?
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By: Brian White, Partner, Senior Consultant
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Prudent fiduciaries periodically review their plan document and procedures to ensure their plan is being administered as intended. Would you believe one of the most common mistakes Plan Sponsors make has to do with matching contributions? As service providers change over time (recordkeepers, payroll providers) it is important to ensure your plan is being administered appropriately. Understanding if current contributions being matched on a payroll by payroll or total year salary can result... Read More >
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Addressing Lost Participants with SECURE 2.0
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By: Brian White, Partner, Senior Consultant
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In 2019 the Department of Labor (DOL) increased their focus to better understand the processes and procedures Plan Sponsors adopted to identify and locate lost or missing participants. Despite the increased focus on finding lost or missing participants, the last real guidance from the DOL came in 2014 through Field Assistance Bulletin (FAB) 2014-01, leaving sponsors... Read More >
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The Evolution of the "Super Saver" Strategy
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By: Peter Nadeau, Partner, Senior Consultant
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In an ever-improving retirement plan industry, guided by both regulatory and recordkeeper evolution, plan participants are now able to contribute up to $69,0001 in a 401(k) or 403(b) plan within a calendar year. For those who would benefit from saving more than the commonly referred to $23,0001 “maximum,” this solution, also known as the "Mega Backdoor Roth", could be... Read More >
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Defined Benefit Spotlight:
Trends in Corporate Retirement Plan Offerings
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By: Jeffrey Mitchell, CFA, Senior Consultant
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In this piece, we take a look at the past, present and likely future state of the retirement savings vehicles offered by private sector employers in America. Much has been written about the death of the defined benefit (DB) plan and the rise of the defined contribution (DC) plan in its place. Are DB plans going... Read More >
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Every Rose Has Its Thorn
The cautionary tale of valuation
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Stocks advance in February with indexes like the S&P 500 and the NASDAQ hitting new highs. While a new high for an index is not a new thing (in fact it happens quite regularly and often without material consequence), there was a recent new high that is worth reflecting on. The Japanese equity index (the Nikkei 225) hit a new all-time high for the first time since... Read More >
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1IRS.gov: 2024 Limitations Adjusted as Provided in Section 415(d), etc. As of January 1, 2024.
This report is intended for the exclusive use of clients or prospective clients (the “recipient”) of Fiducient Advisors and the information contained herein is confidential and the dissemination or distribution to any other person without the prior approval of Fiducient Advisors is strictly prohibited. Information has been obtained from sources believed to be reliable, though not independently verified. Any forecasts are hypothetical and represent future expectations and not actual return volatilities and correlations will differ from forecasts. This report does not represent a specific investment recommendation. The opinions and analysis expressed herein are based on Fiducient Advisor research and professional experience and are expressed as of the date of this report. Please consult with your advisor, attorney and accountant, as appropriate, regarding specific advice. Past performance does not indicate future performance and there is risk of loss.
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