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Charter schools were introduced as a concept in the 1970s. They expanded with the success of a charter school program in Philadelphia in the 1980s, and now are in nearly 90% of the states. And they affect more than students and teachers — they also have implications for the retirement savings of... READ MORE
A county sponsors a 457(b) governmental plan and is asking questions concerning eligibility of those in elected positions to participate. In Tech Talk, Sue Diehl tells us whether there is any guidance concerning whether they can participate and receive any future discretionary matching dollars. READ MORE
Editor’s Note: This is an occasional feature in the NTSA Advisor. It is drawn from The Source, a book that covers technical, compliance, administrative and marketing aspects of the 403(b) and 457(b) markets. More information about The Source is available here. Too often, the “cost of a loan” is... READ MORE
The Treasury Department and the IRS welcome comments about what should be included in their 2019-2020 Priority Guidance Plan. The plan will identify guidance projects that the Treasury and the IRS intend to work on during the 12-month period from July 2019 to July 2020. They made the announcement... READ MORE
After extensive litigation, lengthy discovery, and protracted arm’s-length negotiations with the assistance of a national mediator, the parties in an excessive fee suit have announced the terms of their settlement agreement – and once again, it's about more than lost money. Specifically,... READ MORE
If you’re like me, when I hear the word “networking,” I get a little nervous. It brings up visions of women frantically sticking their business cards in my face and giving me their elevator pitches at some organized luncheon. I prefer the terms, “connecting and collaborating”, because that is what... READ MORE
In a major victory for the advocacy efforts of the American Retirement Association, the IRS has expanded its Employee Plans Compliance Resolution System (EPRCS) self-correction program (SCP). The American Retirement Association (ARA) on April 4, 2018 had submitted a comment letter to the IRS to... READ MORE
Editor’s Note: This is an occasional feature in the NTSA Advisor. It is drawn from The Source, a book that covers technical, compliance, administrative and marketing aspects of the 403(b) and 457(b) markets. More information about The Source is available here. Loans are an important feature in a... READ MORE
Since enactment of the Pension Protection Act in 2006, automaticity has been highly successful in improving retirement readiness. In MarketBeat, Ted Godbout writes about a new white paper that holds that new, highly personalized fintech advances may help drive retirement readiness to the next level... READ MORE
In Tech Talk, Susan Diehl tells us whether acceleration applies only to the timing of a distribution, frequency of distribution or both. READ MORE
The Advisory Council on Employee Welfare and Pension Benefit Plans has recommended that the Department of Labor (DOL) issue new guidance on ERISA bonding, as well as a summary of the requirements for securing a fidelity bond that complies with DOL guidance. The recommendations are contained in “... READ MORE
If you are anything like me, when someone mentions Millennials, your thoughts range from a snicker to cringe, thinking that the fate of the free world will lie in their hands. I mean, there is no way that they are as competent or capable as the Baby Boomers or even Gen-xers, right? However, my... READ MORE
When asked to name barriers to financial independence and early retirement, Americans are less concerned about uncertain market conditions or inflation than they are about health care expenses.  According to survey results from TD Ameritrade, Americans aged 45 and older with $250,000 or more in... READ MORE
Preparing and fling the Form 5500 Series is one of the more onerous tasks associated with administering retirement plans. But one should resist the impulse to just sign the thing and get it all over with, argues a recent blog entry. In “The IRS Form 5500 – Look Before you Sign!” an entry in... READ MORE
The Plan Sponsor Council of America (PSCA), part of the American Retirement Association (ARA), is giving retirement plan sponsors at nonprofit organizations an opportunity to participate in, and receive benchmarking data from, its annual 403(b) Benchmarking Survey. Embarking on its second decade,... READ MORE
There are many pieces to the puzzle that is retirement security. In MarketBeat, John Iekel discusses the suggestion of a benefits institute that one of them is the behavior of plan participants and that working with, and influencing, that can help put pieces in place. READ MORE
The Garden State has formally proposed a new uniform fiduciary standard – and there’s some good news.  Issued April 15 by New Jersey Attorney General Gurbir Grewal and the state’s Bureau of Securities, the proposed rule would establish by regulation a common law fiduciary duty and apply it to... READ MORE
If your workforce includes recent college graduates, it’s likely that some of them have debt associated with their college years. Student debt may play a large part in the finances of these young (and even not-so-young) employees; that’s why a complete picture of employee financial wellness should... READ MORE
A self-employed minister who receives Forms 1099 is considered to be their own 501(c)(3) employer and could have contributions made into only a 403(b)(9) account. In Tech Talk, Susan Diehl tells us whether there is any benefit for him if he opens such an account. READ MORE
Editor’s Note: This is an occasional feature in the NTSA Advisor. It is drawn from The Source, a book that covers technical, compliance, administrative and marketing aspects of the 403(b) and 457(b) markets. More information about The Source is available here. The amount that an employer can... READ MORE

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