Viewpoints about Retirement plan
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Navigating SECURE 2.0 mandatory auto-enrollment
SECURE 2.0's mandatory auto-enrollment mandate took effect on January 1, 2025. Here's what plan sponsors need to know about the new rules.
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SECURE 2.0’s new Roth catch-up contribution rule
What you need to know about SECURE 2.0's new Roth catch-up contribution rule, which takes effect on January 1, 2026.
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Six retirement investment terms to know
If you’re confused about retirement investing, you’re not alone. We’ll explain some of these terms so you can better understand how you’re saving and investing for retirement.
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SIMPLE IRAs: what to know after SECURE 2.0
SECURE 2.0 added an opportunity for the sponsor of a SIMPLE IRA plan to terminate the SIMPLE IRA plan midyear if the SIMPLE IRA plan is replaced with a safe harbor 401(k) plan. IRS Notice 2024-2 provided details on how this is accomplished.
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Consequences to consider before cashing out of your retirement plan
When leaving a job, taking your workplace retirement plan savings in cash can come with substantial costs, especially if you're under 59½. To help you make an informed decision, here’s a quick review of the particulars and how these expenses could affect your retirement nest egg.
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403(b) vs. 401(k) vs. 457(b)—what's the difference?
If you’ve changed jobs during your career, chances are you’ve participated in a few employer-sponsored retirement plans. If you have an account with more than one of these plans, it’ll help to know what the differences are and your options for managing them when you leave your employer.
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Eight things to know about joining your 401(k)
Know these items when joining a retirement plan: eligibility requirements, contribution limits, combining accounts, Roth access, matching contributions, vesting schedules, investments, and withdrawals.
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Beefing up your TPA business: four ingredients
Learn about four key ingredients to help strengthen your relationships, build your network, and, ultimately, grow your business.
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Get to know the SPARK Institute's cybersecurity best practices
Because cybercriminals continue to target retirement assets, the SPARK Institute created a helpful guide to cybersecurity. We cover the key components to help recordkeepers document and communicate their protocols to defend against cybercriminals.
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Social Security payments and inflation—what to do if one doesn’t keep up with the other
To help recipients keep up with rising costs, Social Security cost-of-living adjustments (COLAs) are made annually using a formula legislated by Congress that factors in changes in the Consumer Price Index (CPI). But, COLAs don't always keep up with inflation.
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