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November 17th, 2015

Retirement Guidance Needs More Focus on Gen X

Allianz Life Insurance Company says Generation X has their “heads in the sand” when it comes to planning for retirement.Read more >

HSAs Can Be Like DC Plans for Retirement Health Costs

Health savings accounts can be used much like defined contribution plans to save for retirement, and the key to growth is investing them.Read more >
Retirement plan sponsors and advisers will need to revamp education for participants to reflect changes in Social Security claiming strategies.Read more >

Retirement Realities Drive Social Security Decisions for Women

Eighty-two percent of retired women currently collecting Social Security benefits took them early, to a Nationwide Retirement Institute survey.Read more >

DOL Releases Guidance About State-Run Plans

The U.S. Department of Labor (DOL) has published a notice of proposed rulemaking and an interpretive bulletin meant to guide states as they create programs to help people without access to retirement plans at work save and invest for their long-term future.Read more >

Correction for Mandatory Contribution Failures

“Our 403(b) plan has an employee mandatory contribution feature that is a condition of employment. We recently changed payroll systems, which resulted in a failure to withhold mandatory contributions from several employee paychecks until the error was discovered. I looked to the Internal Revenue Service (IRS) guidance about the Employee Plans Compliance Resolution System (EPCRS), but there appears to be no mention of employee mandatory contributions in EPCRS at all. Am I missing something?”Read more >

David Levine and David Powell, with Groom Law Group, and Michael A. Webb, vice president, Retirement Plan Services, Cammack Retirement Group, will field your questions concerning 403(b) plans and regulations. Send them to rmoore@assetinternational.com with Subject: Ask the Experts. Answers may be printed in future (b)lines. This feature is to provide general information only, does not constitute legal advice, and cannot be used or substituted for legal or tax advice.

Editorial: Alison Cooke Mintzer alison.mintzer@strategic-i.com

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