“I used to work for a private tax-exempt organization, but I recently took a job with a public university. In the 457(b) plan that it sponsors, all employees are allowed to participate.
The DOL views them as plan investments.
“I have heard that a Roth 403(b) can actually help participants maximize their after-tax retirement benefit. If this is true, can the Experts assist me with the math as to why?”
“Are 415(m) plans subject to the 10% premature distribution penalty for early distributions from a retirement plan?”
Michael Barry, president of October Three (O3) Plan Advisory Services LLC, discusses how the Securities and Exchange Commission’s (SEC)’s broker/investment adviser standard-of-conduct proposal would be necessary to the creation of a provider-based retirement system.
What is an in-plan Roth conversion, and what should plan sponsors consider before implementing the feature?
Managing risk factors for the interface between a plan sponsor’s payroll system and retirement plan recordkeeping system can avoid some very costly errors.
These lower-cost funds are growing more popular in the 401(k) market, but are not available to most 403(b) plans.
“I have been reading a lot about missing retirement plan participants lately. If our plan has any, should I be concerned about locating them? If so, what steps should I be taking?”
In March, the Retirement Enhancement and Savings Act of 2018 (RESA) was introduced in the U.S. Senate. If passed, the bill would reintroduce the pooled employer plan (PEP)—also known as an “open MEP”—to the retirement plan industry conversation.
Many institutions have found real success with factor investing and smart-beta, but there are some emerging challenges that investors should consider.
In Part II of a series, Michael Kreps and Mark Carolan of Groom Law Group discuss funding waivers and in-kind contributions as options for unaffordable pensions.
“A church has an existing 403(b) plan with one insurance company providing the investment options.
Near-retirees broadly worry about future health care costs, the impact of inflation and market downturns—but relatively few are tackling the subject of income taxes in retirement.
Michael Barry, president of the Plan Advisory Services Group, delves into fee litigation assumptions—and what is wrong with them.