Viewpoints about Small business retirement plans
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14 answers you should know about 401(k) eligibility and vesting
Eligibility and vesting among the most profound decisions you make about a 401(k) plan. Based on a thorough review of ERISA regulations, here’s some bite-sized information to help you understand the basics.
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Three steps to help you create a competitive retirement plan
Wondering how to sway workers to join and stay with your company? Follow three steps to help create a 401(k) that can attract and retain a strong workforce.
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Steps to setting up your small business 401(k)
Key steps in establishing a 401(k) plan and tailoring the plan design to meet the needs and objectives of a smaller enterprise and its employees.
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What’s a safe harbor 401(k) plan?
Does your traditional 401(k) plan have trouble passing the nondiscrimination tests? Want a retirement plan that’s easier to administer? A safe harbor 401(k) plan could be the answer. Learn why.
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401(k) nondiscrimination testing—a guide for plan sponsors and other fiduciaries
Nondiscrimination tests are designed to prove that qualified retirement plans aren’t just benefiting the highly compensated. Here's a review of how these tests work—and the penalties plan sponsors can pay if they get a failing grade.
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What’s a cash balance plan, and is it right for my business?
Pairing your 401(k) with a cash balance plan can help your executives and key employees maximize their retirement savings. Learn how cash balance pension plans work and factors to consider to help you decide if this approach may be right for your business.
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When SIMPLE isn’t best: why a 401(k) may beat the SIMPLE IRA
Sponsoring a retirement plan can help you attract, retain, and reward employees.
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Why upgrading from SIMPLEs to 401(k)s may make sense
Incorporating retirement plans into your advisory business can be a great way to grow your practice. You can show your value to plan sponsors by clearly outlining the differences between SIMPLEs—IRA or 401(k)—and traditional 401(k)s.
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SECURE 2.0 tax credits: a way to compete with state retirement plans
Find out how the SECURE 2.0 tax credits can help financial professionals overcome the cost advantage of state-facilitated retirement plans and open doors in the small plan market.
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Considering SIMPLE IRAs, SIMPLE 401(k) plans, or SEPs? What to know
Learn the advantages and disadvantages of three retirement plan types designed for small businesses: SIMPLE IRAs, SIMPLE 401(k) plans, and SEPs.
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