403b Plans
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.
Following is a discussion of...
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In MarketBeat, David Blask offers a discussion of how to handle distributions upon attaining age 59½; severance of employment; and due to death and disability.
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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.
Following is a discussion of tax-free...
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While most employers have adopted 403(b) plan documents, many have not shared those documents with the product providers, the financial representatives servicing the plan participants, the plan participants and in some cases, the plan administrator.
Marketplace Issues
This creates problems...
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The House Ways & Means Committee has voted to extend a vast array of individual and corporate tax provisions, including special disaster-related rules for use of retirement funds.
Disaster Relief Assistance
The Committee late June 20 approved the Taxpayer Certainty and Disaster Tax Relief Act...
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The IRS on June 17 issued a third quarter update of its 2018-2019 Priority Guidance Plan. As in such previous such plans, retirement benefits are among the many areas in which the IRS plans to take action. In the update, the IRS also reports on progress in projects it has listed in the plan.
The ‘...
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All 403(b) plans require some level of administrative support. Prior to the issuance of the final 403(b) regulations, most ERISA-exempt 403(b) plan sponsors performed some tasks required to establish and support their 403(b) programs and the product providers acted under their respective annuity...
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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.
Following is a tip concerning...
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As summer draws to a close and a new school year starts, the authority of the Texas Teachers Retirement System (TRS) over 403(b) will end.
HB 2820, which Gov. Greg Abbott (R) has signed into law, will change regulatory authority over the 403(b)s offered to public school teachers in Texas,...
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A law requiring school districts in Pennsylvania to have multiple financial institutions or pension management organizations for each 403(b) plan they sponsor, as well as investment option providers, will go into effect July 1.
Act No. 5, enacted June 12, 2017, provides new state employees hired...
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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.
This is the second installment of a...
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There’s that old caution about being a day late, and a dollar short – well, the plaintiffs in an excessive fee suit were two days late – and missed a key date.
The plaintiffs here were participants in the Georgetown University 403(b) plan – who had been soundly rebuffed in January by U.S. District...
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While many employers offer 403(b) plans to employees, most do not adequately educate the employees on the importance of retirement savings or promote participation in the 403(b) plan as a valuable employee benefit. Many fail to recognize the correlation between higher participation rates and...
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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.
This is the first installment of a...
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Is there a requirement that for non-ERISA Section 403(b) or Section 457(b) loans, the interest rate on the loan must be prime plus 2%? In Tech Talk, Sue Diehl tells us.
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Many factors are in play when you’re designing retirement income strategies. In MarketBeat, John Iekel discusses a recent analysis from T. Rowe Price that argues that investors’ preferences and tolerance for risk should be most prominent.
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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 following general concepts about...
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Problems may arise when employers change their plan’s TPA and do not notify the product providers, the plan participants or the former TPA.
In the absence of such notification, all parties continue to interact with the former TPA, but plan transactions are not processed or approved. Delays occur,...
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In MarketBeat, Linda Segal Blinn discusses the mechanics of Internal Revenue Code Section 415(c); she writes that determining the 415(c) annual additions limit requires additional information if an individual contributes to more than one 403(b) product or participates in more than one defined...
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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.
Each product provider that offers a...
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