NTSA Net Staff

If there is a bankruptcy, will a 403(b) come under attack or will other creditors be able to attach the 403(b) funds? In Tech Talk, Ellie Lowder tells us how 403(b) assets are handled in a bankruptcy. READ MORE

Much has been made of student loan debt repayment — and also of the need to save for retirement, and the importance of starting as early as possible. What’s a millennial — or Gen Y member — to do? A recent Forbes article has a suggestion.Student loan debt affects a significant portion of the U.S.... READ MORE

The IRS issued procedures Sept. 14 for a waiver from the requirement that Forms 8955 and 5500-EZ be filed electronically. In IRS Revenue Procedure 2015-47, effective on Sept. 28, 2015, the IRS set forth how plans and plan administrators — and in some cases, employers — are to proceed if they are if... READ MORE

The DOL recently published a “Q&A on Small Savers” which leads off by stating, “Small IRA savers may not be who you think they are,” and goes on to point out that more than two-thirds of small-IRA owners may have small IRAs, but they are “wealthy and upper-middle class households.”The six-... READ MORE

Suppose you have a client who has a mortgage loan but also $57,000 in consumer debt, of which approximately $13,000 is from loans taken on her 403(b) accounts. In Tech Talk, Ellie Lowder tells us what happens to those loans if she files for bankruptcy. READ MORE

If your plan sponsor clients haven’t filed Form 5500 as required, they could soon be hearing from the IRS.Recently the Internal Revenue Service’s Employee Plans Compliance unit (EPCU) announced plans to collaborate with the Department of Labor’s Office of the Chief Accountant (OCA) to contact Form... READ MORE

One of the important sources of retirement income, Social Security, is seriously misunderstood. In MarketBeat, Ellie Lowder discusses the importance of Social Security and of projecting its role in funding retirement. READ MORE

The California State Teachers’ Retirement System (CalSTRS) is considering adopting new risk-mitigating strategies — investing a portion of its holdings in more stable funds not subject to the vagaries of a volatile stock market. The plan could shift up to $20 billion of CalSTRS’ $191 billion into... READ MORE

An at least tacit understanding of the importance of saving for retirement may be a common language of the current workforce, but the three generations that compose the bulk of it — Baby Boomers, Generation X and Millennials — each speak their own dialect. In “Generational Differences: Ready or Not... READ MORE