Pension and Profit Sharing Plans

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Taxation IRAs FAQs
Do you have an IRA for retirement? An IRA, or individual retirement arrangement, allows you to save money for retirement. It also provides certain tax advantages. The Internal Revenue Service (IRS) offers guidelines to help you understand how IRAs work. Here are some frequently asked questions about ... READ MORE

401(K) Rules in 2011
Saving for retirement is important for many workers. The goal of living comfortably during the golden years means planning, saving and even making some sacrifices today. For many, a 401(k) is the key to retirement. But how much can you save in it? Every year, the Internal Revenue Service (IRS) announces ... READ MORE

Even the Best Laid Retirement Plans May be Spoiled
Millions of US workers retire each year. Is this year the year for you? You've worked hard to put yourself into a good financial position for retirement, but are you sure you're ready? The 2008-2009 economic downturn may have changed things for you. Lower Payout? The Pension Protection Act of 2006 was ... READ MORE

What's a 401(k) Loan?
Sometimes we need some extra cash to make ends meet or to pay for some unexpected expenses. Increasingly, people are borrowing money - from themselves. 401(k) Loans Many US workers have a 401(k) retirement account. In general, they let workers put some of their pre-tax wages into a special account ... READ MORE

Who's Looking Out for Your Retirement Funds?
According to the comforting commercials, they are on our side, we are in good hands, and they are solid as a rock. We can rest easy and be sure that our future is secure, can't we? Or is there more to the story? In one case, a group of people have charged one of the country's biggest retirement plan ... READ MORE

Employee Stock Options Purchase (ESOP) Plans for Employees
Employee stock ownership plans encourage employees to perform at the top of their abilities by making them part owners of the company If the plan is structured properly, it can qualify as an Employee Stock Ownership Plan. ESOPs offer many benefits under federal law, including significant tax benefits. ... READ MORE

Stock Options
To maximize your stock options: Learn the Terms Stock options fall into two categories: incentive stock options ("ISOs") and non-qualified stock options ("NSOs"). Incentive stock options are generally preferable from a tax standpoint, because you pay taxes only when you sell the stock and not when you ... READ MORE

Tax-Sheltered 403 (b) Annuities
A tax-sheltered annuity (TSA) plan, also known as a 403(b) plan, is a retirement plan for certain employees of public schools, employees of certain tax-exempt organizations and certain ministers. Similarities between TSA and Qualified Plans There are similarities between TSAs and qualified plans. Both ... READ MORE

Taxes on an Incentive Stock Option (ISO)
Many employers make incentive stock options (ISOs) a part of salary or compensation packages for their employees, especially key personnel, like top managers and officers. ISOs are a way for the employer to entice (or give an "incentive" to) such employees to stay with the company and to help the business ... READ MORE

Taxes and Employee Stock Ownership Plans (ESOPs)
An employee stock ownership plan (ESOP) is a type of qualified plan that has important tax consequences for both employers and employees. Whether you're an employer or an employee, knowing how an ESOP offers tax advantages can help you make the best use of this type of retirement plan. What is an ESOP? ... READ MORE

 

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Managing Frozen Pension Plans

A pension plan is a defined benefit or defined contribution retirement plan. Typically, contributions are made to an employee’s pension plan over the course of their life with a company, with be ... Read more

Retirement Benefits and Divorce

A potential client inquires about her ability to receive retirement benefits from an ex-husband. Though her ex-spouse is eligible to receive pension benefits at age 50, he plans to work for an additio ... Read more

Mid-Year Changes to Your Safe Harbor Plan

The Internal Revenue Code (IRC) has nondiscrimination requirements for 401(k) retirement plans subject to the annual actual deferral percentage (ADP) test. However, plan sponsors can avoid ADP testing ... Read more

Build a Better 401(k)

Most 401(k) participants sit through a single presentation by their company’s retirement plan representative. They fill out a few forms, designate a beneficiary, and allocate their contributions ... Read more

The Hunt for the Missing Pension Plan Participant

Pension plan sponsors owe a fiduciary duty to plan participants. As part of their fiduciary duty, plan sponsors must act prudently and run the plan solely in the interest of participants and beneficia ... Read more

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