Newsdash Insight on Plan Design & Investment Strategy from PLANSPONSOR
December 26th, 2019 regularly publishes “exclusive” articles based on in-depth, original reporting. We focus on both timely news topics and more evergreen, strategic content. In 2019, our most popular exclusives touched on a wide variety of subjects, from the disappearance of the “stretch IRA” to the convergence of health care and retirement planning. We hope you enjoy reading back over the year in exclusives, and encourage you to share with clients and colleagues.
Goodbye to the 'Stretch IRA'
Low and middle-income Americans struggling to save for retirement are depending on the U.S. Senate to pass the SECURE Act, advocates say. At present, one roadblock seems to the law’s treatment of “stretch IRAs.” Read more >
Newly Allowed 401(k)s Will Need Advisers
Advisers may shy away from helping hemp and CBD companies with their 401(k)s because they may find themselves crossing into advising for a cannabis company as well, but there are protections—and money to be made. Read more >
2023 Retirement Plan Adviser of the Year Finalists
A Reminder to Avoid Fraudulent Hardship Withdrawals
With SECURE 2.0, the Cash Balance DB Plan May Be Back
Small Businesses and SECURE 2.0: Exemptions and Tax Credits
Retirement Industry People Moves
Sponsored message from Securian Financial
DC Recordkeeping: The High Cost of Low Fees
Recordkeepers are calling their services more efficient, or streamlined, but that may be a kind way of saying “less service.” Read more >
Assessing Likely Impacts of IRS Hardship Withdrawal Rule Changes
New rules established by Congress and the IRS simplify the process for participants to request a hardship withdrawal of DC plan assets; some experts say this could increase “leakage,” while others anticipate more positive effects, such as lower debt among cash-strapped participants. Read more >
The Retirement Crisis Is a Coverage Crisis
For those workers who are offered a retirement savings plan at work, the U.S. retirement system functions pretty well; solutions are needed, however, to extend coverage to millions more Americans. Read more >
Inheritance Pathways Exist to Replace Stretch IRAs
The SECURE Act is stalled in the U.S. Senate due in part to several lawmakers’ concerns that it does away with so-called “stretch IRAs,” but tax and inheritance experts say other effective tax mitigation strategies are available. Read more >
Learning the Medicare Alphabet Is a Must for Modern Advisers
Do you know the difference between Medicare Parts A and B? What About Parts C and D? Read more >
State-Based Fiduciary Regulations Take Shape in 2019
Regulators and legislators in a growing number of states say they are acting to fill a perceived void created by federal government disengagement; just last week, a long-awaited Nevada proposal was made public. Read more >
What Is a DOL Adviser Investigation Like?
The number of Department of Labor investigations of financial advisers has steadily increased over the years; here is a primer on the DOL’s sources of authority, and what to expect when examiners come knocking. Read more >
A Crash Course in Social Security Maximization
Cost of living increases, claiming age, marital status and work history all complicate Social Security claiming strategies. Read more >
Market Mirror
Tuesday, the Dow decreased 36.08 points (0.13%) to 28,515.45, the NASDAQ was up 7.24 points (0.08%) at 8,952.88, and the S&P 500 was down less than one point (0.02%) at 3,223.38. The Russell 2000 increased 3.87 points (0.23%) to 1,678.01, and the Wilshire 5000 was up 3.91 points (0.01%) at 32,844.52. The price of the 10-year Treasury note was up 3/32, decreasing its yield to 1.902%. The price of the 30-year Treasury bond increased 6/32, bringing its yield down to 2.333%.
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