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Monday, March 21, 2011

Life Cycle Funds - Are They What They Sound Like?

As you age, you get closer to retirement. As you get closer to retirement, you should get more conservative in your investments. Will you?  One of the most unfortunate lessons of the last market correction was the risk of being aggressive as one nears or is in retirement.  Life Cycle funds, like target date funds, aim to help you with one's natural tendency to procrastinate confusing choices by automatically becoming more conservative as you approach retirement.

Truth be told, many life cycle funds were invested too aggressively at the time of the last market correction. Still, many were not and most others have since corrected their asset allocations to ensure excessive risk is not taken.  As a result, life cycle funds now present an interesting opportunity to put your retirement planning investments on auto-pilot.


Posted by: Patrick Carroll
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Monday, March 7, 2011

Refresher Course: What is an IRA, Anyway?

It's that time of year. Every newspaper's business section and each top news web site-- let alone all the financial publications--is screaming about the upcoming deadline to make an IRA contribution: April 18, 2011. (Why not April 15?  Thank the District of Columbia's Emancipation Day for your three day extension.)  But all the noise begs a question many are afraid to ask - what is an IRA anyway?

There are two kinds of IRAs: a regular IRA and a Roth IRA. You could read dozens of articles about each.  But here's the quick version.

A regular Individual Retirement Account (IRA) is an account to which you can save money - up to $5,000 a year for most people - and enjoy tax-deferred growth.  In English, this means you won't pay taxes on the money as it grows. You will, however, pay taxes on the money when you take it out later, hopefully in retirement.  Depending on your income and workplace retirement, and marital status, you might also be able to take a tax deduction for your regular IRA tax contribution.  You'd need to review the 2010 IRA contribution limits to find out.

A Roth IRA also allows most people to save up to $5,000 a year. The key difference between the Roth IRA and the regular IRA, however, is a Roth IRA's tax-free growth opportunity. Although no contribution to a Roth IRA is ever tax deductible, no tax is due upon a withdrawal from the Roth IRA - even in retirement.  Unfortunately, not everyone can contribute to a Roth IRA. Still, most can. Check out the 2010 Roth IRA contribution limits to see if you can make a contribution. The deadline is looming and time is flying.


Posted by: 401(k) Compliance Solution
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Monday, February 14, 2011

What is the 2010 IRA Contribution Deadline?

Although 2010 is long gone in the eyes of most, not so in the world of retirement and taxes.  In fact, you can make a 2010 IRA contribution, still, in 2011. The final deadline for making an IRA contribution for any given year is the due date of the tax return for that year.  Since most individuals file an annual tax return, their deadline is April 15.  So you'd ordinarily have until April 15, 2011 to make a 2010 IRA contribution. This year, however, you have an extra three days, since the District of Columbia is celebrating a holiday (Emancipation Day) on April 15.  Since April 16 and 17 are over the weekend, the 18th became the new tax filing deadline and, as you now know, the deadline to make your 2010 IRA contribution.

The deadline is the same for both regular IRAs and Roth IRAs. One last thing: just because you can wait until mid-April to make an IRA contribution doesn't mean you should.  Imagine one less fire-drill in your life and make your contribution today.


Posted by: 401(k) Compliance Solution
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Thursday, February 3, 2011

Have You Looked at Your Retirement Plan Designations Lately?

It's a shock to most people: if you're relying solely on your will your retirement plan investments will probably not go where you want them to at your death.  That's because your will has virtually no affect on the distribution of retirement plan (e.g., 401(k), IRA, Roth IRA) assets.  Instead, the beneficiary designation form you completed when you originally set up the account will guide the inheritance.  For long-term couples, the will and the beneficiary designations are often the same and as such there is little issue.

Couples who marry later in life, especially if one or both had been married previously, need to be much more careful with regard to these forms.  Should your will indicate your 401(k) plan be left to your new spouse but an old beneficiary designation form, one never updated to reflect your changed marital status, indicates your ex-spouse, it will be your ex-spouse who gets the loot.  Not good. Review your 401(k) plan beneficiary designations to avoid a potential big headache down the road.


Posted by: 401(k) Compliance Solution
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Thursday, February 3, 2011

Here Comes 2011 (and the Return of the Estate Tax)!

Happy New Year!  Although much of the 2010 income tax rate structure remains the same into 2011, plus the sweetened one year 2% reduction in the employee paid FICA tax, the estate tax has been resurrected.  The 2011 estate tax looks nothing like the 2010 estate tax.

Why?

For all of 2010, there was no estate tax.

Although the planned one year estate tax holiday had been on the books for nearly a decade, as recently as early 2010 virtually no one thought 2010 would go by without any legislation restoring the tax to some level.   But that's Congress for you (and me, for that matter).  Regardless, the men and women of Capitol Hill finally came to an agreement last month. Consequently, the good year of 2011 brings with it a new estate tax structure.  The new estate tax rate is 35%. The new amount exempt from the tax is $5,000,000. Like before, individual can choose to give an unlimited amount of their estate to charity - no tax is assessed on such generosity. Furthermore, an unlimited amount can be bequeathed to a surviving spouse, known as the unlimited marital deduction. However, an aggressive death tax is due on every dollar over $5,000,000 given to anyone else.


Posted by: 401(k) Compliance Solution
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Tuesday, January 18, 2011

Do I Have to Do Anything on My Taxes if I Did an IRA Rollover Last Year?

Did you roll over an IRA or 401(k) during 2010? Were you told it wasn't taxable?  First the good news: Rollovers aren't taxable. Now the bad news:  Rollovers are reportable, meaning the rollover will somewhat complicate your tax return.

Anyone who rolls over an IRA or 401(k) should receive a 1099-R from the custodian of the account which has been terminated as a result of the rollover.  Properly coded, the 1099-R will indicate no taxable amount and also have a letter code of "G" in box 7.  (If your 1099-R indicates something different promptly contact the custodian). Still, you must put the entire amount of the rollover on line 15a of Form 1040. Since you can and should leave line 15b blank, no additional tax will be due as a result of the rollover. However, should you fail to include the information about the rollover on line 15a, it could lead to some unwelcome, if not terribly harmful, IRS correspondence.

Don't keep your rollover information to yourself! Fill out your taxes properly.


Posted by: 401(k) Compliance Solution
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Thursday, January 13, 2011

Contribute to Two Years of IRAs at Once? Yup!

You have until April 15, 2011 to make an IRA (regular IRA and/or Roth IRA) contribution for 2010.  Of course, you don't have to wait until the deadline to do so. Instead, you can make contributions throughout the year, eliminating the need to come up with $5,000 all at once to make the largest allowable contribution.  In fact, you can begin making your 2011 contribution right now.  (I don't suggest doing so, however, unless you've already maximized your 2010 contribution. After all, you can always make your 2011 contribution later this year or early next, but once April 15, 2011 passes, you can never make a 2010 contribution again).

Feeling flush with cash and ready to save for the future? Go to your IRA custodian right now and hand over $10,000. You can put $5,000 in your IRA for 2010 and $5,000 for 2011.  No rushing this April. No rushing next April.  Plus, benefit from tax-deferred growth of a regular IRA or the tax-free growth of a Roth IRA. Either way, why wait?  When you have the money, save it!


Posted by: 401(k) Compliance Solution
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Monday, December 13, 2010

401(k).....Then and Now



No, that’s not my high school graduation picture. It’s a Microsoft staff photo from 1978.

Yes, that's Bill Gates on the bottom row left, and co-founder Paul Allen on the bottom row right. The company was just three years old.  A lot’s changed for Microsoft since then. The same 1978 "that was then, this is now" reference point can be used for 401(k) plans. 1978 was the year in which Congress amended the Internal Revenue Code by adding section 401(k).

Now may be an appropriate time for plan sponsors to consider the extent to which their 401(k) plans are doing what they are supposed to do.

Times change. Maybe retirement plans should too.

Posted by: 401(k) Compliance Solution
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Friday, October 29, 2010

People, where is your advisor!

Inside of the 401k industry, there are certain things that I am constantly surprised about.  I meet with employers all the time – all with very different levels of understanding about their plan and the rules and regs that govern them.  Some people are very in tune with what they have and what to expect while others are the exact opposite.  Truthfully, as long as you know and hire appropriate companies to handle your plan, you should be ok even if you are in the latter category.  Regardless of how much you understand, I am constantly running into plans that have not seen their advisor in months, years or even ever!  First, you should understand that someone is almost always getting paid for that role to help support and provide your employees with 401k education, even if they are not around.  Second, it is within the ERISA Guidelines that you provide your employees with certain things, including employee education.  Third, as an Employer, it is to your advantage to have someone helping your employees with investment advice.  Getting the “Well how was I supposed to know that choice wasn’t appropriate for me” statement in your complaint box is not exactly something to look forward to.   If you do have an advisor “servicing” your plan, make sure you pay attention to how active they are.  If they are barely around, then maybe you should consider replacing them.  It is very easy to plug someone else in and it doesn’t necessarily require you to make any changes to your plan.  I know there are plenty of advisors out there who will be happy to actually do “work” for the fee they are actually earning.  It can make a world of difference to your employees and to the quality of your plan.  

Posted by: Natalie
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Wednesday, October 6, 2010

Our First Blog Entry!

Today is our first blog entry.  We are looking forward to writing a blog that is geared to business owners, CFO’s and HR people who directly deal with their company’s 401k plan.  In this confusing world of financial services, filled to the brim with “hidden” fees, disclosures in smaller print than any of us can read and questionable trust, we want to help provide some insight from the things we learn and see along the way.  This is a conversation about keeping up with the industry, understanding basic and complex issues in the retirement world and some general stories that we think will help keep you informed.  If you have any topics that you would like us to address, please email your suggestions.  We hope you enjoy following us and learn something or two along the way. 

Posted by: Natalie Dustman
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