Details of the SECURE 2.0 Act: Provisions Related to Required Minimum Distributions
SECURE 2.0 Act: Required Minimum Distributions Read More >
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Leisha Gosling has worked for over 30 years in the field of Defined Contribution Plan Administration. She graduated from University of Louisville with a Bachelor of Science in Business Management and from Sullivan University with a Master’s degree in Business Administration. Leisha joined RMS as a New Business Consultant in 2020. Her areas of expertise include qualified retirement plan administration and consulting, plan document underwriting, and compliance. She focuses the majority of her time at RMS on new client implementation and onboarding as well as marketing and new business initiatives. She also performs special research projects. Leisha has been awarded the designations of Qualified 401(k) Administrator and Qualified 401(k) Consultant from the American Society of Pension Professionals & Actuaries and Certified Employee Benefits Specialist from the International Foundation of Employee Benefit Plans.
SECURE 2.0 Act: Required Minimum Distributions Read More >
SECURE 2.0 increased the maximum tax credit allowed for setting up a new retirement plan. A tax credit is a powerful tool that reduces the amount of taxes you may owe on a dollar-for-dollar basis. Read More >
SECURE 2.0 Act: Catch-Up Contributions and Additional Roth Options Read More >
On December 29, 2022, the SECURE 2.0 Act was included as part of a larger omnibus spending package. The legislation contained 92 provisions which are retirement plan related. Read More >
On December 29, 2022, the SECURE 2.0 Act was included as part of a larger omnibus spending package. The legislation contained 92 provisions in total, almost all of which are retirement plan related. Read More >
Section 102 of the SECURE 2.0 Act amend the tax laws to increase the employer credit for small plan startup costs. Read More >
The SECURE Act requires that long-term/part-time employees must be permitted to make elective deferrals under an employer's 401(k) plan after three years working more than 500 hours. Read More >
Policies and procedures for 401(k) plans help employees involved in the plan administration do their job efficiently. Read More >
Cycle 3 document restatement, SECURE Act amendment, and CARES Act amendment are all retirement plan related documents with important deadlines for 2022. Read More >
Lifetime Income Disclosures present account balances as an annuity to better inform participants on monthly income after retirement. Read More >
Real estate, cryptocurrency, hedge funds, private equity; is adding alternative investments to your retirement plan worth the risk? Read More >
Investors believe it is beneficial to invest early in the market, but is that the best option for a participant deferrals? Read More >
A transaction between the qualified plan and a disqualified person. Read More >
Designating a beneficiary for an employee’s retirement plan assets is one of the most important financial decisions a participant will ever make. Read More >
Who is considered an employee for retirement purposes? Why is it important? Read More >
The IRS has issued modified rules on how to correct deferral errors in 401k plans. Read More >
In most cases 401k funds qualify for creditor protection under a federal law known as ERISA. Read More >
Section 110 of the Act revised requirements for church 403(b)(9) plans. Read More >
Section 110 of the Act revised the distribution option for 403(b) plans. Read More >
Section 401 of the Act limited the timing of distributions from an inherited IRA. Read More >
Section 403 and 404 of the Act increased the fees for late filing for Form 5500 and Form 8955-SSA. Read More >
Section 302 of the SECURE Act expanded the benefits of 529 college savings plans. Read More >
Section 203, 204 and 109 of the Act addressed participant statement requirements, portability of balances and selecting a provider for Lifetime Income products. Read More >
Section 202 of the Act revised Form 5500 rules to allow related employers to file a consolidated Form 5500. Read More >
Section 101 of the Act enhanced capabilities of Multiple Employer Plans (MEP) and created Pooled Employer Plans (PEP). Read More >
Section 108 of the Act amends the tax laws to prohibit the use of debit/credit cards to take a participation loan. Read More >
Section 102 of the Act amends the tax laws to increase the auto enrollment cap to 15%. Read More >
A plan will be considered adopted for a particular year as long as it is adopted before the due date of the business tax return (including extensions). Read More >
Sections 106 of the Act amend the tax laws to Treat Certain Taxable Non-Tuition Fellowship and Stipend Payments as Compensation for IRA Purposes. Read More >
EVERYONE in a company is responsible for Cybersecurity - our society is dependent on electronic communication and data transfer. There are simple changes a company can make to protect their data. Read More >
Retirement plan laws can be intimidating but a well thought out administrative policy can relieve some of the anxiety in making decisions that are in compliance with ERISA rules and regulations. Read More >
The DOL released final guidance on October 30, 2020, concerning socially responsible, environmental, corporate governance (ESG) investing, impact investing, and economically targeted investing. Read More >
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