December 2023
People Are People – Emotions
Are emotions important when it comes to our success? Emotions play an important role in how you think and behave and can come in many[...]
November 2023
People Are People – Desire
What do we desire and how do we get there? And I know you might be thinking is desire really something that we should be[...]
People Are People – Purpose
What is your purpose and why is it important to everyone? The dictionary defines purpose as the reason for which something exists or is done. [...]
People Are People – Vision
Many people talk about vision and why you need to have a vision. In fact, many people would say that you must have a vision[...]
People Are People – Belonging
This week I want to talk about belonging. I say frequently that being part of my group “feeds my soul”. Several times this year I[...]
People Are People – Culture
Recently my firm of 25 years (Sunwest Pensions) merged with July Business Services. My response to this transaction has been very favorable with my friends[...]
September 2023
SECURE 2.0 – Self Correction of retirement plans
My final post relating to Secure 2.0 is about the expansion of what can be self-corrected in retirement plans. What we are talking about when[...]
SECURE 2.0 – In Case Of Emergency
There are 2 provisions that are part of Secure 2.0 that I am calling “in case of emergency”. I think both are interesting provisions that should[...]
August 2023
SECURE 2.0 – ROTH
So, there are two changes in Secure 2.0 relating to Roth contributions that I will cover.First effective January 1, 2024, it will be required for all[...]
SECURE 2.0 MISCELLANEOUS CHANGES
There are a few “miscellaneous changes” that happened in the Secure 2.0 act that I will cover briefly here. As always, reach out to me[...]
SECURE 2.0 LTPT
LTPT??? What does that mean and why is it something we now need to worry about in our retirement plan?? First of all, it means[...]
SECURE 2.0 TAX CREDITS
This week I am going to talk about tax credits available for tax credits available for retirement plans as part of Secure 2.0. I am[...]
July 2023
SECURE 2.0 Auto Enrollment
Let’s talk about one of my favorite topics, auto enrollment. Auto enrollment has been around since 1998 (Revenue Ruling 98-30) but has only been widely[...]
SECURE 2.0 STUDENT LOAN DEBT
So, we all know that SECURE 2.0 contained a TON of updates relating to retirement plans (92 to be exact). I will spend a few blog[...]
SECURE 2.0 SELF CERTIFICATION OF HARDSHIPS
Let’s continue talking about the provision in SECURE 2.0 that will truly affect our plan sponsors and the changes they might consider relating to their[...]