The Macro View

Retirement Plan Issues Continue to Be a Priority for Congress

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The original SECURE ACT was passed into law in December of 2019 way back when we could go to movie theaters.  Flash forward 10 months and the chairman, Rep. Richard Neal (D-MA) and ranking member, Rep. Kevin Brady (R-TX), of the powerful U.S. House Ways & Means Committee have introduced a sequel to the SECURE Act – “Securing a Strong Retirement… Read more »


IRS Announces 2021 Contribution, Benefit Limits

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The IRS has announced cost-of-living adjustments affecting dollar limitations for pension plans and other retirement-related items for tax year 2021 and after a year full of change there will be little changes to the limits next year. Important limits for Plan Sponsors to be aware of: 401k Plan Limits 2021 2020 Maximum Employee Deferral $19,500… Read more »


DOL Updates 401K E-Delivery Regulations

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  On May 21, the Labor Department unveiled a new safe harbor for electronic disclosures making it easier for employers to disseminate 401k notices to plan participants. The new safe harbor is known as the “notice and access” safe harbor method. Here is a quick overview: Initial Notice The final rule continues to require that… Read more »


SECURE Act’s Impact on Personal Financial Planning

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  Earlier this year I had the privilege to meet with lawmakers on Capitol Hill to provide industry feedback on the implications of the Setting Every Community Up for Retirement Enhancement Act (aka the SECURE Act).   As expected the SECURE Act was included in the spending bill that Congress passed on December 19th.   The spending… Read more »