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Roth, Roth and More Roth – as Far as the Eye Can See

Adam C. Pozek 01/31/23
Congress seems to be in a continual love fest with two retirement concepts – automatic enrollment and Roth contributions – and SECURE 2.0 (S2) continues the trend for both. I guess it’s not surprising. Automatic enrollment means more tax-deferred contributions (and, therefore, less tax revenue), whereas Roth contributions kick the tax can down the ...
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SECURE 2.0’s New & Improved (But Really Math-y) Tax Credits for Startup Plans

Jen Swets 01/25/23
SECURE 2.0 (S2) took the tax credits of OG SECURE and enhanced them, particularly for plans with fewer than 50 employees. And if you think “enhanced” sounds a bit loaded, you’re right; credits have increased, but so has the complexity of the calculations. If you’re guessing this may be a trend in all things S2, you’re also on the right track and ...
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SECURE 2.0 Overview Post

Adam C. Pozek 01/12/23
You have likely already heard and read plenty about SECURE 2.0, signed into law on December 29, 2022. Rather than write yet another recitation of what’s in the new law in chronological order, we are going to share our initial thoughts here and go into further detail on some of the more interesting provisions in future posts.
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The 2023 Retirement Plan Contribution Limits

DWC 10/21/22
Extra! Extra! The IRS has released the 2023 contribution limits. In past years we would list only the limits that changed. With almost everything changing at historic levels, we have provided a few highlights and a look to our historical limitations chart.
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DWC - The 401(k) Experts Announces Tianna Schulz as Firm Partner

DWC 10/21/22
National 401(k) Consultancy Expands Partnership with Tianna Schulz promoted to Partner Virginia Beach, VA – October 21, 2022 - DWC - The 401(k) Experts, an industry leader in providing 401(k) plan compliance, defined benefit services, consulting services, and third-party plan administration, is pleased to announce the newest member of the ...
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DWC in Investment News: Bitcoin Too Risky for 401(k)s Part II?

DWC 05/16/22
"Before Fidelity made its move, the Department of Labor had sent a warning about using crypto in retirement accounts. In March, the agency issued a compliance assistance release cautioning retirement plan fiduciaries to “exercise extreme care” when considering crypto currency investments." writes Mark Schoeff Jr. in Investment News.
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Secure 2.0 - Don't Count Your Chickens Before They Hatch

Adam C. Pozek 03/31/22
Earlier this week, the House of Representatives passed SECURE 2.0. The bill (actual name is Securing a Strong Retirement Act of 2022) passed by the nearly unanimous margin of 414 to 5. It doesn’t get much more bipartisan than that!
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DWC Selected as TPA for Franklin Templeton Retirement Group Plan Solution with Transamerica

DWC 12/2/21
DWC Selected as TPA for Franklin Templeton Retirement Group Plan Solution with Transamerica
Transamerica has been selected by Franklin Templeton as the recordkeeper for a new retirement plan solution. The Franklin Templeton Group Plan Solution is offered exclusively through Franklin Templeton and was created for employers seeking to benefit from group pricing and access to services not always available, particularly to smaller companies.
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Step Aside 3(16) – the 402(a) Fiduciary Is The New Flavor of the Week

DWC 08/24/21
In the color-by-numbers world of retirement plan fiduciaries, the 3(21) was the first one on the block, followed quickly by the 3(38). Then came the 3(16), widely sold as the silver bullet that would protect plan sponsors from the liabilities lurking around every corner. Now, the 402(a) fiduciary is ready to kick all of them to the curb…if you ...
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“Cover Me” with the Pension Benefit Guaranty Corporation

DWC 08/19/21
Welcome back to Cash Balance Corner (CBC) after a brief summer hiatus. We thought you deserved a break after all the math we threw at you in the last few entries. This is the 15th installment for CBC, which started with cash balance plan basics and progressed to the complexities of nondiscrimination testing. Our plan is to wind up CBC by the end ...
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The views expressed in this blog are those of the authors and do not necessarily represent the views of any other person or organization. All content is provided for informational purposes only and is not intended to be tax or legal advice.

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