Log in

Automatic (Enrollment) for the People - Losing Your Discretion

Adam C. Pozek 02/6/23
Ever since creating the ACA, EACA, and QACA as part of the Pension Protection Act of 2006, Congress has acted like automatic enrollment is the greatest thing since sliced bread when it comes to improving workers’ retirement savings (never mind how ridiculous those acronyms sound, especially all together like that).  They have continued down that ...
Read More

Catch-Up Contributions: If It Ain’t Broke, Break It!

Adam C. Pozek 02/2/23
Adam C. Pozek | 02/02/23 Yeah, we know that’s not how the saying goes, but it appears Congress doesn’t.
Read More

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 ...
Read More

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 ...
Read More

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.
Read More

Categories

See all

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.

Certificate of Fiduciary Excellence

As Featured In

fl-wall-street-journal
fl-the-hill
fl-bloomberg-BNA
fl-US-News
fl-yahoo-news
fl-plan-sponsor
©   DWC - The 401(k) Experts | P.O. Box 241267, St. Paul, MN 55124

Sign up to receive insights from DWC