Providers Vie for TPA Attention Particularly in the small-plan market, retirement plan providers are seeing more business come through third-party administrators (TPAs)—and, as a result, are ramping up their efforts to attract TPAs.
The 5500 Nightmare: Completing the Schedule C Recordkeepers, bundled plan providers, third party administrators, broker-dealers, RIAs, investment managers, and mutual fund complexes are all struggling . . . with the new Schedule C. This is a review of some issue you should be familiar with. Source: Reish & Reicher
Fidelity Looks to Grab 401(k) Assets Through Advisors Fidelity Investments expects sales of its 401(k)’s to continue to increase through third-party financial advisors to small and midsized companies – and the company plans to reduce fees to gain additional share. Source: Financial Planning
Know Your 401(k) Options Financial advisers have long fretted over the casual attitude investors have toward their 401(k)s, but now there’s a sign people are paying more attention. Source: MainStreet
Perceptions of Retirement Preparation “The average participant in a 401(k) plan… on average, will have 92% of the savings they need for retirement.” (“Retirement Readiness Index,” Fiduciary Benchmarks) “In total, more than half of workers (54%) report that the total value of their household’s savings and investments, excluding the value of their primary home and any defined benefit plans, is less than $25,000.” (“2010 Retirement Confidence Survey,” EBRI) Which statement is accurate? Is a significant portion of us right on track to retire with the nest eggs we’ll need? Or, are American workers doomed to work-'til-we drop because we’re perennial under-savers? Source: Fox Business
Smart401k Releases New Retirement Planning Tool Smart401k has released a new proprietary retirement planning tool that provides clients with a way to track progress toward their retirement goals and determine how changes in retirement investing could affect their retirement outcome. Source: PlanSponsor
2010 Retirement Plans Comparison Chart for Small Businesses This chart provides a comparison of the features and benefits that apply to retirement plans that can be sponsored/adopted by small business owners. Focus on the areas that are important to the business owner. Source: Retirementdictionary.com
New Universal Retirement Plan for Small Employers Proposed The SPARK Institute released a detailed proposal for a new "Universal Small Employer Retirement Savings Program" to help solve the retirement savings gap for millions of American workers. Source: 401khelpcenter.com
Choosing a Qualified Default Investment Alternative Under the new DOL regulatory language, a plan fiduciary may utilize a balanced option as an appropriate default vehicle as long as the underlying investment structure (equity versus bonds) is appropriate based on the overall demographics of the plan, rather than an individual. Source: Milliman
Financial Services Firms Stumped by the Retirement Income Dilemma Despite a proliferation of retirement income products and financial services firms' best efforts to capture the retirement income market, no single leader has emerged in this coveted space. Cogent Research's new In-Retirement Income 2010 report explores familiarity and interest in retirement income products among today's affluent retirees and pre-retirees. Source: 401khelpcenter.com
Target-Date Series Research Paper: 2010 Industry Survey The survey documents trends in target-date fund design, costs, and asset flows since the 2008 market downturn as well as target-date strengths, weaknesses, and returns to investors. It also offers an examination of target-date fund disclosure, and an analysis of the performance of fund series using proprietary, or in-house, versus independent managers in target-date fund construction. Source: Morningstar
Target-Date CTFs Taking Hold in the DC Market According to Cerulli’s latest retirement-focused research, collective trust funds (CTFs) are experiencing a renewed interest over the last few years in the defined contribution landscape. Source: Plansponsor.com
Schwab Finds More Workers Rolling 401k Funds Into IRAs New data from Charles Schwab shows that more people are rolling 401k savings into an IRA when leaving a job. According to Schwab data, 69 percent of assets held by 401k participants who left their job in the fourth quarter of 2008 had been distributed from former employers' plans one year later by the end of 2009. Source: 401khelpcenter.com
Key Trends in Employee Financial Picture Financial Finesse's 2009 Year in Review based on tracking employees' most pressing financial concerns through their usage of our financial education services. Trend analysis research is compiled by tracking calls into Financial Finesse's Financial Helpline Service, which is available to over 500,000 employees from more than 300 organizations. Source: Financial Finesse. Click on headline to read full article.
Increasing Employee Confidence in Retirement Plans Is it any wonder that workers are worried about their ability to sustain a comfortable retirement? Several recent surveys reveal the findings about retirement attitudes and activities. Source: Buck Consultants
Minority Employees Trail in Retirement Plan Participation The lowest participation is by nonnative-born Hispanic workers. Employers can tackle the problem of lower minority-worker participation through automatic enrollment, automatic escalation of deferral rates and adding more sophisticated financial education. Source: Workforce.com
Leaders Call for the Fiduciary Standard in Financial Reform Twelve renowned economists, academics and leading thinkers -- including John Bogle, and Nobel Laureates George Akerlof and Daniel Kahneman -- call for the fiduciary standard, as established under the Investment Advisers Act of 1940 and affirmed by the Supreme Court, to be included in financial reform legislation, and apply to all who provide investment or financial advice. Source: 401khelpcenter.com
Senate Passes Bill to Expand 401k Roth Access A legislative amendment could make it easier for participants to do a Roth conversion within a 401k plan – but not for as many as you might have thought. Source: Planadviser.com
2010 Proposed Regulations for Investment Advisors The DOL issued revised and proposed new regulations implementing the statutory exemption for providers of invest. advice to benefit plan participants and individual retirement accounts, enacted as part of the Pension Protection Act of 2006. Source: Dechert LLP
DOL Clarifies Form 5500 Filing Time Requirement In response to questions regarding the deadline for transmitting a Form 5500 (or 5500-SF), the DOL has indicated it will issue in the near future a new FAQ on the EFAST2 website. This Q&A addresses the anticipated guidance. Source: Sungard/Relius
Free IRS Retirement Plans Determination Letter Program Phone Forum Andrew Zuckerman, Director of Employee Plans Rulings and Agreements, will be joined by Vickie Surguy, Manager, EP Determinations, to discuss the status of the new determination letter program, the types of "reliance" available to preapproved plans, with or without a determination letter, tips on completing the new Form 5307, along with ways to avoid common mistakes to make the process go more smoothly. Source: IRS
GAO Seeks Plan Sponsor Input Given the increased congressional interest in 401k plan oversight, the U.S. Government Accountability Office is offering an opportunity to plan sponsors to provide input for a congressional study on "Restrictions on Withdrawals from 401k Plans." Source: Plansponsor.com
For more information visit http://www.bpp401k.com/
3.16.2010
Benefit Plans Plus Announces New, Expanded Roles
ST. LOUIS (March 16, 2010) As part of the long-term plan to strategically manage the growth and success of the firm, Benefit Plans Plus has promoted Michelle Meyer to Manager of Operations and Julie Martin to Supervisor.
Michelle Meyer, Manager of Operations
Meyer joined the BPP team in 2007 as a Retirement Plan Specialist. Since joining the firm, Meyer has demonstrated exceptional leadership, management and client relationship skills. Seasoned with more than 20 years of experience, Meyer has a strong operational background in retirement plan administration. She will continue to work closely with business entities by managing her caseload of profit sharing and 401(k) plans. Meyer has acquired extensive leadership, staff development and performance management experience throughout her career; additionally, she also has experience in project management, SAS70 audits and independent testing for Sarbanes Oxley controls in the retirement plan industry. In this new capacity, Meyer will be responsible for the development of BPP’s Missouri and Illinois Retirement Plan Specialists, Pension Analysts and Installation Specialists. She continues to be an integral member of the BPP executive management team.
Julie Martin, PRP, Supervisor
Since joining BPP in 2003 as a Retirement Plan Specialist, Martin has developed outstanding technical and client relationship skills. She has more recently expanded her role within the firm through new business development responsibilities and securing existing relationships with the financial advisory community. Martin’s new role will include direct report responsibility, continuing to develop advisor and client relationships and working with staff to further develop their skills. In addition she will continue to manage her existing client caseload.
New Hire News
In addition to the promotions activity, BPP also has added Eddiemae Brown is a pension analyst. Brown has more than 24 years of experience as a consultant and business analyst. Prior to joining Benefit Plans Plus, Brown served as a consultant for Integrated Benefit Solutions. As pension analyst, Brown is responsible for plan installation assistance, trust accounting, performing non-discrimination testing, government reporting, plan document preparation and distribution and loan processing. She earned a Bachelor in Business Administration from Southeast Missouri State University and is a graduate of the Keller Graduate School of Management, with a Master’s degree in Project Management. She is currently pursuing the Qualified 401k Plan Administrator (QKA) designation awarded by the American Society of Pension Professionals & Actuaries (ASPPA).
About Benefit Plans Plus
Benefit Plans Plus, LLC offers customized retirement plan design and administration, fiduciary compliance management and consulting services for retirement plans. Through unique offerings including the Fiduciary Health Check™ and the SBO 401k BPP serves nearly 750 retirement plans throughout the Midwest. Benefit Plans Plus holds the Centre for Fiduciary Excellence, LLC (CEFEX) recordkeeper certification for third party administrator services and the American Society of Pension Professionals and Actuaries (ASPPA) seal of service for provider excellence -- the top recognitions in the industry. BPP is a member of NIPA, ASPPA and ICEBS. In addition, the well credentialed team of retirement plan specialists averages at least 17 years of experience each. For more information about Benefit Plans Plus, a subsidiary of Brown Smith Wallace, LLC, visit www.bpp401k.com or call 314.824.5200.
Michelle Meyer, Manager of Operations
Meyer joined the BPP team in 2007 as a Retirement Plan Specialist. Since joining the firm, Meyer has demonstrated exceptional leadership, management and client relationship skills. Seasoned with more than 20 years of experience, Meyer has a strong operational background in retirement plan administration. She will continue to work closely with business entities by managing her caseload of profit sharing and 401(k) plans. Meyer has acquired extensive leadership, staff development and performance management experience throughout her career; additionally, she also has experience in project management, SAS70 audits and independent testing for Sarbanes Oxley controls in the retirement plan industry. In this new capacity, Meyer will be responsible for the development of BPP’s Missouri and Illinois Retirement Plan Specialists, Pension Analysts and Installation Specialists. She continues to be an integral member of the BPP executive management team.
Julie Martin, PRP, Supervisor
Since joining BPP in 2003 as a Retirement Plan Specialist, Martin has developed outstanding technical and client relationship skills. She has more recently expanded her role within the firm through new business development responsibilities and securing existing relationships with the financial advisory community. Martin’s new role will include direct report responsibility, continuing to develop advisor and client relationships and working with staff to further develop their skills. In addition she will continue to manage her existing client caseload.
New Hire News
In addition to the promotions activity, BPP also has added Eddiemae Brown is a pension analyst. Brown has more than 24 years of experience as a consultant and business analyst. Prior to joining Benefit Plans Plus, Brown served as a consultant for Integrated Benefit Solutions. As pension analyst, Brown is responsible for plan installation assistance, trust accounting, performing non-discrimination testing, government reporting, plan document preparation and distribution and loan processing. She earned a Bachelor in Business Administration from Southeast Missouri State University and is a graduate of the Keller Graduate School of Management, with a Master’s degree in Project Management. She is currently pursuing the Qualified 401k Plan Administrator (QKA) designation awarded by the American Society of Pension Professionals & Actuaries (ASPPA).
About Benefit Plans Plus
Benefit Plans Plus, LLC offers customized retirement plan design and administration, fiduciary compliance management and consulting services for retirement plans. Through unique offerings including the Fiduciary Health Check™ and the SBO 401k BPP serves nearly 750 retirement plans throughout the Midwest. Benefit Plans Plus holds the Centre for Fiduciary Excellence, LLC (CEFEX) recordkeeper certification for third party administrator services and the American Society of Pension Professionals and Actuaries (ASPPA) seal of service for provider excellence -- the top recognitions in the industry. BPP is a member of NIPA, ASPPA and ICEBS. In addition, the well credentialed team of retirement plan specialists averages at least 17 years of experience each. For more information about Benefit Plans Plus, a subsidiary of Brown Smith Wallace, LLC, visit www.bpp401k.com or call 314.824.5200.
3.10.2010
BPP401k.com Newsletter March 10
Proposed 401(k) Reforms Stir Debate If the U.S. Labor Department has its way, the rules governing who can give Americans investment advice about their 401(k)s and IRAs, and how that advice gets delivered and paid for, soon will change. But financial advisors and others disagree dramatically on whether the proposed rules will help or harm investors. Source: Financial Advisor
Investment Advisor Offers CE Credits At No Charge In today's economy, credibility is critical when investing. Be even more confident in offering sound investment solutions to your clients by taking advantage of Investment Advisor's Continuing Education opportunities. Source: Investment Advisor
The Top Ten Things to Do If Your 401k Plan Fails Nondiscrimination Testing 401k plan sponsors generally do not relish the annual call from their consultant with their plan's nondiscrimination testing results. If your plan regularly passes testing, that's great news. However, if you are not so fortunate or your plan is on the cusp, there are steps you can take to greatly increase your plan's chances of success. This article discusses those choices. Source: TRI-AD
IRS Issues Tax Tips on Early Distributions from Retirement Plans Some taxpayers may have needed to take an early distribution from their retirement plan last year. The IRS wants individuals who took an early distribution to know that there can be a tax impact to tapping your retirement fund. Here are ten facts about early distributions. Source: CCH
2010 Reporting & Disclosure Calendar for Benefit Plans Summarizes compliance requirements for qualified, single employer benefit plans and is intended to indicate general reporting and disclosure requirements applicable to employee pension and welfare benefit plans on an annual basis. Source: Sibson Consulting
Financial Education in 'Living Color' Employees may have equal access to 401k plans, but participation is anything but equal. The recent release of Ariel Investments' and Hewitt Associates' study confirms what individual client studies have shown for years - that ethnicity is the number one predictor of 401k behavior. Source: Employee Benefit News
Participant Understanding Greatest Challenge for DC Sponsors Sponsors of 401k plans are concerned that employees don't understand their retirement plans, yet many of those same organizations are not increasing efforts to improve member understanding and education over the next year or two. Source: Employee Benefit News
Painting a Realistic Retirement Picture Proposal to require plan sponsors to project participants' 401k account balances into lifetime income comes with a minefield of potential problems. Source: Employee Benefit News
How You Can Lose Money in a Money Fund: Fees If you invest in a money fund, you probably think you won't lose money. But if your money fund is in a variable annuity, you probably lost anywhere from 1% to 3% the past 12 months — not because the funds' investments were bad, but because of additional fees the variable annuity charges. After fees, some money fund accounts in 401k plans may have lost money the past 12 months for the same reason. Source: AARP
Managing Fiduciary Responsibility As a plan sponsor, how much do you know about the fiduciary responsibility associated with your retirement plan? This overview is intended to help you get started with the management of your fiduciary responsibility. Source: Invesco
A Fiduciary's Guide to Target Retirement Date Funds Despite all the controversy, target retirement date funds can be an effective investment tool when used properly. Plan fiduciaries need to be aware of the various issues involved. This paper is designed to provide a basic overview of these funds, some of their pros and cons, and various considerations in this area. Source: Conrad Siegel
DOL Updates Guidance for Certain 403(b) Plans Employers sponsoring 403(b) plans should review the DOLs FABs 2009-02 and 2010-01 (this document provides an overview) to ensure compliance for the plan year 2009 Form 5500 filing. Early preparation is advised as plan year 2009 is the initial year for electronic filing under the DOLs EFAST2 protocol. Source: Milliman
DOL Provides Guidance on Reporting Obligations of 403(b) Plan Sponsors Employers should revisit their plans to determine whether they are subject to the new Form 5500 reporting requirements, which include new audit and reporting obligations. Source: McDermott Will & Emery
Form 5500 Transitional Relief - New Guidance Issued Employers sponsoring ERISA-covered 403(b) plans are subject to significantly expanded Form 5500 reporting beginning with the 2009 plan year, as well as a potential audit requirement. Source: Ice Miller LLP
Towers Perrin Retirement Legislative Tracking Chart Thousands of bills are introduced in Congress but only a select few are summarized on this chart. This selection represents Towers Perrin's best judgment on the likelihood of enactment and the relevance of the issue for employers. Source: Towers Perrin
Forcing Terminated Participants out of Company Stock not ERISA Violation A federal court has ruled that a sponsor of an employee stock ownership plan did not breach its fiduciary duties by amending the plan to force terminated employees out of company stock investments. Source: Planadviser.com
The Impact of New Required 5500 Reporting Requirements This comprehensive report was prepared to help facilitate the correct completion of the new requirements for Form 5500 Schedule C to ensure accurate expense information can be captured and reported in a consistent and reliable manner. Provides a definition and commentary on each code. Source: Fiduciary Risk Assessment LLP
Summary of DOLs Invest. Advice Regulations This summary was prepared by the law firm of Davis & Harman, LLP. It reviews the following issues: Existing Exemptions and Programs, Fee-Leveling Exemption, Computer Model Exemption, New Computer Model Rule, Generally Accepted Investment Theories and Effects on SunAmerica. Source: American Benefits Council
Department of Labor "Reproposes" PPA Participant Invest. Advice Regulation As the trend toward self-directed accounts emerged, DOL issued guidance elucidating circumstances in which investment support for participants would not raise a prohibited transaction concern. Source: Sutherland Asbill & Brennan LLP
For more information visit http://www.bpp401k.com/
3.03.2010
BPP401k.com Newsletter March 3
New 401(k) Transparency Rules Proposed The U.S. government has proposed regulations designed to enhance transparency for millions of workers covered by 401(k)s, pensions and other retirement plans, offering long-awaited guidance for investment firms. Source: Financial Advisor
Missouri Lawmaker Proposes Unique Budget “Fix” A Missouri lawmaker has introduced a bill that might just be the “ticket” to dealing with the state’s budgetary situation. Source: Plan Sponsor
Safe Harbor 401(k) Top-Heavy Plans Small business owners commonly select a safe harbor 401(k) retirement plan design. These same employers often see their plans become top heavy. A plan is considered top heavy when more than 60% of the aggregate value of the plan accounts belongs to key employees — the owners and officers of the business. Source: McKay Hockman
Evaluating Whether Your Target-Date Fund Measures Up As the Labor Department signals its interest in weighing in on these funds, plan sponsors should make sure their evaluation process is in place, and that it's thorough and well-documented. Source: Callan Associates (PDF File)
Overcoming Fiduciary Fear There are two kinds of fears that 401k plan fiduciaries must overcome in order to effectively manage a prudent investment process -- the fear of doing something and the fear of doing nothing. Source: Fiduciary Investor
New Web Resource for Compliance Assistance on 403(b) Plans The DOL's Employee Benefits Security Administration announced new outreach and compliance assistance efforts for 403(b) pension plans subject to Title I of the ERISA. The initiatives are part of the agency's ongoing compliance assistance program to help employers, plan officials and service providers. Source: U. S. Department of Labor
Survey Reveals Trends in 401k Participant Attitudes About Retirement Planning A recent survey of defined contribution plan participants conducted by MassMutual's Retirement Services Division reveals some surprising findings about participant attitudes and approaches toward investing - and some striking differences based on gender. Source: 401khelpcenter.com
DOL Rules to Enhance Retirement Advice and Transparency Announced The U.S. Department of Labor announced two new rules designed to enhance retirement security and transparency for the millions of workers covered by 401k, pension and other retirement arrangements. The first of the two rules would ensure workers receive unbiased advice about how to invest in their individual retirement accounts or 401k plans. Source: 401khelpcenter.com
DOL Fact Sheet on Proposed Regulation on Invest. Advice This fact sheet has been developed by the U.S. Department of Labor, Employee Benefits Security Administration, to cover their proposed rule relating to the provision of invest. advice to participants and beneficiaries in individual account plans, such as 401k plans. Source: U.S. Department of Labor
DOL Proposed Rule on Invest. Advice This document contains a proposed rule under ERISA relating to the provision of invest. advice to participants and beneficiaries in individual account plans, such as 401k plans, and beneficiaries of individual retirement accounts. Written comments on the proposed regulations should be submitted to the DOL on or before May 5, 2010. Source: U.S. Department of Labor (PDF File)
EBSA Recovered More Than $1B in 2009 The U. S. Department of Labor’s Employee Benefits Security Administration (EBSA) reported recovering $1.36 billion in 2009 for employee benefits plans governed by the Employee Retirement Income Security Act. Source: Planadviser.com
Final QDRO Regulation Expected Soon The U.S. Department of Labor plans to publish a final regulation in April clarifying the rights and obligations of parties seeking to obtain benefits under a qualified domestic relations order (QDRO). Source: Thompson Publishing Group
IRS Retirement News for Employers - Winter 2010 Edition This edition includes articles such as: April 30, 2010 Filing Deadline for Adopting Employers of Pre-Approved Plans; Deadline for Making Employer Contributions; Clarification of HEART Act Changes; Future Requirements for Tax Return Preparers; Is Your Distribution from Your Roth IRA Taxable?; The Latest in the World of Code §403(b) Plans; SEP Plan Pitfalls Phone Forum; and more. Source: IRS (PDF File)
For more information visit http://www.bpp401k.com/
Missouri Lawmaker Proposes Unique Budget “Fix” A Missouri lawmaker has introduced a bill that might just be the “ticket” to dealing with the state’s budgetary situation. Source: Plan Sponsor
Target-Date Funds - The Next Wave of Litigation? The author discusses three issues around target-date funds and suggests that plan sponsors do their homework, understand what they are getting, and then make a prudent decision as to what is best for their participants. Source: 401khelpcenter.com
Investment Committee Best Practices: Avoiding the Seven Deadly Sins Key behavioral factors can hinder effective investment committee decision-making and may prevent a group from achieving its goals. This webinar discusses: investment committee best practices, the seven deadly sins and how to avoid them, and results of Vanguard's 2009 research survey. Source: Vanguard
Legal Alert: Until Death or Divorce Do Us Part Death is inevitable. Divorce is not. Despite this difference, both events require careful planning to ensure that an individual’s wishes and/or negotiated settlements are achieved. source: SMB Human Resources
Safe Harbor 401(k) Top-Heavy Plans Small business owners commonly select a safe harbor 401(k) retirement plan design. These same employers often see their plans become top heavy. A plan is considered top heavy when more than 60% of the aggregate value of the plan accounts belongs to key employees — the owners and officers of the business. Source: McKay Hockman
Evaluating Whether Your Target-Date Fund Measures Up As the Labor Department signals its interest in weighing in on these funds, plan sponsors should make sure their evaluation process is in place, and that it's thorough and well-documented. Source: Callan Associates (PDF File)
Overcoming Fiduciary Fear There are two kinds of fears that 401k plan fiduciaries must overcome in order to effectively manage a prudent investment process -- the fear of doing something and the fear of doing nothing. Source: Fiduciary Investor
New Web Resource for Compliance Assistance on 403(b) Plans The DOL's Employee Benefits Security Administration announced new outreach and compliance assistance efforts for 403(b) pension plans subject to Title I of the ERISA. The initiatives are part of the agency's ongoing compliance assistance program to help employers, plan officials and service providers. Source: U. S. Department of Labor
Survey Reveals Trends in 401k Participant Attitudes About Retirement Planning A recent survey of defined contribution plan participants conducted by MassMutual's Retirement Services Division reveals some surprising findings about participant attitudes and approaches toward investing - and some striking differences based on gender. Source: 401khelpcenter.com
DOL Rules to Enhance Retirement Advice and Transparency Announced The U.S. Department of Labor announced two new rules designed to enhance retirement security and transparency for the millions of workers covered by 401k, pension and other retirement arrangements. The first of the two rules would ensure workers receive unbiased advice about how to invest in their individual retirement accounts or 401k plans. Source: 401khelpcenter.com
DOL Fact Sheet on Proposed Regulation on Invest. Advice This fact sheet has been developed by the U.S. Department of Labor, Employee Benefits Security Administration, to cover their proposed rule relating to the provision of invest. advice to participants and beneficiaries in individual account plans, such as 401k plans. Source: U.S. Department of Labor
DOL Proposed Rule on Invest. Advice This document contains a proposed rule under ERISA relating to the provision of invest. advice to participants and beneficiaries in individual account plans, such as 401k plans, and beneficiaries of individual retirement accounts. Written comments on the proposed regulations should be submitted to the DOL on or before May 5, 2010. Source: U.S. Department of Labor (PDF File)
EBSA Recovered More Than $1B in 2009 The U. S. Department of Labor’s Employee Benefits Security Administration (EBSA) reported recovering $1.36 billion in 2009 for employee benefits plans governed by the Employee Retirement Income Security Act. Source: Planadviser.com
Final QDRO Regulation Expected Soon The U.S. Department of Labor plans to publish a final regulation in April clarifying the rights and obligations of parties seeking to obtain benefits under a qualified domestic relations order (QDRO). Source: Thompson Publishing Group
IRS Retirement News for Employers - Winter 2010 Edition This edition includes articles such as: April 30, 2010 Filing Deadline for Adopting Employers of Pre-Approved Plans; Deadline for Making Employer Contributions; Clarification of HEART Act Changes; Future Requirements for Tax Return Preparers; Is Your Distribution from Your Roth IRA Taxable?; The Latest in the World of Code §403(b) Plans; SEP Plan Pitfalls Phone Forum; and more. Source: IRS (PDF File)
For more information visit http://www.bpp401k.com/
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