403b Plans
Tech Talk addresses whether a safe harbor arrangement may make optional features available if the 403(b) provider is responsible for any discretionary determinations.
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ERISA contains specific exemptions for benefit plans of certain types of employers. For example, plans sponsored by governmental entities as defined in ERISA Section 3(32) such as public schools, community colleges and state universities or churches as defined in ERISA Section 3(33) are not subject...
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The National Tax-Deferred Savings Association has announced the Honored Nominees for its prestigious NTSA Elite Advisor Award.
The 2020 NTSA Elite Advisor Award will be presented at the NTSA 2020 Summit in Denver, Jan. 26-28, 2020. The 2020 NTSA Elite Advisor Award Honored Nominees are:
Joe...
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Tech Talk addresses the taxability of distributions from a 403(b) account.
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The NTSA Summit is a priority and must-go event for me. But why?
It’s the only place where I can get:
information and insight about directed industry trends
new sales idea that work
perplexing questions answered
opportunities for networking with the best of the best in the industry
my next...
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The beneficiary or beneficiaries as identified on the “determination date” (September 30 of the year following the year of death) will determine the amount that must be distributed to satisfy the RMD requirements.
Generally, the listed beneficiaries will likely be the same individuals as those...
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For 403(b) plans covered by ERISA, the Department of Labor (DOL) has outlined the following timelines for fee disclosures:
any changes to the initial disclosure no later than 60 days of when the covered service provider was informed of the change, and
investment changes at least annually.
In...
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In Part I of the 7th Series of the NTSA WOWcasts, Past NTSA President Randy Aranowitz interviews Scott Hayes, President and CEO of ISC Group, who served as 2012 NTSA President and 2018 American Retirement Association President, and was a 2017 NTSA Elite Advisor. Hayes provides a look at his...
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I am the Managing Director of Signature Wealth Concepts, and I served as the Senior Vice President of the Southwest Branch of AXA Advisors for four years before founding my firm. For the past 18 years, I have worked with clients in the K-12 space; and I was able to build a team of advisors who...
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Tech Talk addresses when a distribution can be made from a 403(b) account.
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I have attended every NTSA Summit for the past 10 years as it's a great resource for getting up-to-moment technical information straight from the most experienced 403(b) and 457(b) experts in the country.
As an Enrolled Retirement Plan Agent (ERPA), the NTSA Summit is the only place I can get...
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Cyber crime, and cyber security, obviously are a concern for plans. But that means more than making sure plan records and accounts are not targets and victims — it also includes other functions, structures and systems.
Experts at the recent SPARK Forum held in Palm Beach, FL offered insights...
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An influential U.S. Senator is preparing legislation that would allow tax- and penalty-free withdrawals to pay for long-term care insurance.
Sen. Pat Toomey (R-PA), who is a member of the Senate Finance Committee, is working on a bill that would allow individuals to withdraw funds from their 403(...
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Tech Talk addresses some best practices concerning proof of death and disability.
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The upcoming NTSA Summit will be held Jan. 26-28, 2020 at the Gaylord Rockies in Denver, CO.
My primary responsibilities at AXA are to provide retirement products and services to the tax-exempt markets throughout the Northeast. I have 20+ years’ experience and over the years have witnessed the...
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In Part III of the 6th Series of the NTSA WOWcasts, Past NTSA President Randy Aranowitz interviews Jody Detillier, CEO of Detillier Financial Advisors and 2015 NTSA Elite Advisor. They discuss what the NTSA means to Detillier.
In Part I, Aranowitz and Detillier discussed his background and...
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Obviously, I truly believe in the NTSA and its mission to assist public school teachers, nonprofits and church organizations in the compliance area of 403(b)s, 457, 401(a) plans and more!
It is the only trade association that supports all of the parties (advisors, TPAs, consultants, and investment...
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In its 3Q 2019 analysis of retirement trends, Fidelity Investments found that market conditions in the third quarter caused average account balances to dip slightly after reaching near-record levels the previous quarter. And while 403(b) balances dipped in the short term, longer-term results were...
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The Department of Labor’s Employee Benefits Security Administration (EBSA), the IRS and the Pension Benefit Guaranty Corporation have released advance copies of the 2019 Form 5500 and the Form 5500-SF, as well as their schedules. They will be used for reporting information pertaining to the 2019...
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Tech Talk addresses when plan-to-plan transfers between 403(b) plans are permitted.
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