Advisers: Roth Catch-Up Extension Welcome, Clarity Still Needed
Retirement plan advisers were happy to tell plan sponsors about the two-year Roth catch-up extension. But the hard work isn’t over.
IRS Extends Roth Catch-up Contribution Deadline
The IRS extended the requirement by two years to 2026 so that any catch-up contributions from higher income earners must be designated Roth.
Industry Group Says Roth Catch-Ups Too Burdensome for 2024
SECURE 2.0 rules expanding catch-up contributions into a Roth source will be a huge undertaking for sponsors and recordkeepers.
SECURE 2.0 Insecurities
Match for Student Debtors
American Benefits Council: Roth Catch-ups Can’t Be Done in Time
The new mandatory Roth treatment for certain catch-ups introduced by SECURE 2.0 continues to concern retirement professionals.
Congress Says It Will Fix at Least 4 Errors in SECURE 2.0
The errors include the startup credit, RMD, SIMPLE IRA plans and Roth catch-ups.
SECURE 2.0’s Disappointments
SECURE 2.0 has a number of issues with it such as its budget myopia and failure to expand access adequately.
Government Plans Face Unique Challenges With SECURE 2.0 Implementation
Catch-ups for those aged 60 to 63 and a mandatory Roth source for HCE catch-ups will be problematic for many, but especially for government plans.
Talking Taxes, Inflation and Bucket Strategies
The Tax Distinction
What Biden’s Win Means for Retirement Plans
Experts say the president-elect could start the process of shoring up Social Security and embrace ESG investing.
Self-Directed Account Diversification Stats from Charles Schwab
A new report from Charles Schwab explores retirement plan participant investment activity within self-directed brokerage accounts; findings show self-directed accounts associated with advisers are better diversified.