The Shore Tompkins Blog
401(k) Plans
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Cash Balance Plans
Benefits of Selling Cash Balance Plans (#4 of 4)
As explained in our previous post (#3 in this series), cash balance plans are often easier for business owners (your clients) to understand and offer more flexibility than many other types of retirement plans. And in our second post we clarified how cash balance plans...
Cash Balance Plans: More Understandable, Flexible than Traditional DB Plans (#3 of 4)
Updated 1/1/2019: In our previous post (#2 in this series) we looked at the wealth-accumulation advantages of cash balance plans. Discussing these advantages with business owners (your clients) is essential to selling a cash balance plan. But because clients “live...
Cash Balance Plans Offer Key Advantages (#2 of 4)
Updated 1/1/2019: Our previous post defined cash balance plans and explained their structure and how they work. Now let's focus on the key advantages of using a cash balance plan, and who are its primary candidates. As a financial advisor you’ll want to understand...
Cash Balance Plan Essentials (#1 of 4)
As a financial advisor to owners of independent companies, you’ve heard about cash balance plans. Although the number of these plans has increased sharply in recent years, many business owners and their advisors know relatively little about them. So let’s review the...
Other Retirement Plans
Cash Balance Plans Offer Key Advantages (#2 of 4)
Updated 1/1/2019: Our previous post defined cash balance plans and explained their structure and how they work. Now let's focus on the key advantages of using a cash balance plan, and who are its primary candidates. As a financial advisor you’ll want to understand...
Cash Balance Plan Essentials (#1 of 4)
As a financial advisor to owners of independent companies, you’ve heard about cash balance plans. Although the number of these plans has increased sharply in recent years, many business owners and their advisors know relatively little about them. So let’s review the...
QDIA: Protection for Plan Sponsors
Automatic enrollment (AE) in company retirement plans can help workers increase their retirement savings, but it presents a challenge: How should the employer invest the dollars of employees who do not affirmatively choose an investment vehicle for their contributions...
Converting Pre-Tax Contributions to After-Tax Roth
As part of the American Taxpayer Relief Act (ATRA) signed by President Obama in early January, all 401k, 403b, and 457b retirement savings plans now have the option to allow participants to convert some or all of their pre-tax contributions (namely, pre-tax 401k...