Category Retirement Planning

Nov
13
2017

Earned vs. Passive Income: Why It Matters For Retirement Contributions

Earned vs. Passive Income:Why Does It Matter For Retirement Contributions? A recurring question that comes up each year is how much can I contribute to a retirement plan? That question is primarily a function of how much money you earn. A frequent area of confusion is what type of income can be used as the […]

Apr
27
2016

Unbundled vs. Bundled Retirement Plans

Feb
18
2016

Understanding Fiduciary Responsibilities in a 401(k) Plan

*Excerpts from a report by Oppenheimer Funds and OGI Global Trust.  PlanPerfect is not affiliated with either OppenheimerFund or OGI Global Trust Fiduciary Responsibility The Employee Retirement Income Security Act of 1974 (ERISA) is designed to protect the retirement assets of workers who participate in an employer-sponsored qualified plan. ERISA sets the rules that plan […]

Jan
16
2016

Third Party Administrators (TPA) at a Glance

What TPAs Do A TPA’s responsibilities include, most importantly, retirement plan design, as well as record keeping, yearly testing to gauge a plan’s compliance with Internal Revenue Service’s (IRS) non-discrimination rules and participant contribution limits, and preparing annual returns and reports required by the IRS. When it comes to plan design, the goal of a […]

Dec
8
2015

Retirement Planning With The Younger Generation (Infographic)

Nov
20
2015

RIA’s Next Great Opportunity:
Younger Generations Need Help Planning for Retirement, Too

You believe only Baby Boomers think about retirement? They may not call it the same thing, but Gen Xers (age 35-49) and Millennials (18-34) have begun to take planning seriously for what they prefer to call their post-work years. And for good reason! According to some estimates they’ll have to save up to $9 trillion […]

Oct
15
2015

Buyer Beware: Why retirement plan sponsors should think twice before using payroll provider TPAs

When it comes to 401(k) plan administration and payroll, they don’t have much to do with each other beyond salary deferrals and W-2 compensation. Besides those two small elements, retirement plan administration requires a different type of knowledge and expertise. Payroll providers that offer retirement plan administration to their clients often attempt to create a […]

Aug
15
2015

Retirement Plan Jeopardy: Who Pays that Fee?

Fees have got to be the most asked about and least understood topic that comes up in my discussions with clients and prospects. I’ve heard dozens of different questions related to fees over the years, but a few stand out both in terms of how often they’re asked and their importance. Below we’ll look as […]

Feb
20
2015

The Facts About Revenue Sharing

What is Revenue Sharing? Sometimes revenue sharing is referred to as “hidden fees”, other times “indirect payments.” For good reason, these fees can be so complex and “under the radar” that many retirement plan sponsors are either unaware of their existence or don’t have a sense of their real cost. The fact is revenue sharing […]

Oct
15
2012

Combination Plan Design

Retirement plans fall into one of two categories: Defined Contribution Plans and Defined Benefit Pension Plans. Defined Contribution Plans, also known as retirement savings programs, cover a broad range of programs such as Profit Sharing and 401(k) plans. These types of programs allow owners and employees to make contributions that are allocated to individual participant […]

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