By Ann Slotwinski, Executive Director, The Asteri Collective
Quick summary:
For most businesses – at least for those with any kind of complexity or variety of employee needs from a retirement and retention perspective – retirement plan design complexity outgrows what a fintech platform can provide. … Read More
Retirement plan design is entering a new phase of complexity. With changes introduced under SECURE 2.0, employers, especially multi-entity organizations, need to rethink how their plans are structured, administered, and supported.
The Roth catch-up requirement for higher earners brings new operational demands across payroll, plan documents, and recordkeeping.… Read More
A plain-English guide to the numbers behind retirement plan compliance
You already know about the letter soup.
RPC. TPA. RIA. RPA. The retirement industry has spent decades building an alphabet that takes years to decode and even longer to say out loud at a dinner party without watching people’s eyes glaze over.… Read More
Every RPC has heard it. Usually right after a great investment year or a conversation with a CPA who’s “heard it’s allowed.”
“It’s my company’s money. Why can’t I take some out?”
It sounds simple. It’s not. Defined benefit and cash balance plans aren’t high-interest yielding piggy banks (that WOULD be cool).… Read More
The Misconception That Could Cost You
When the final regulations for Roth catch-up contributions dropped on September 15th, a lot of plan sponsors had the same reaction.
“We’ve got more time. We’re fine.”
That interpretation is where problems start.
The inclusion of “good faith” language has created real confusion in the market.… Read More
Stop Calling Retirement Plans “Bundled” or “Unbundled.” There’s a Better Way.
Let’s talk about borrowed language.
“Bundled” sounds cozy. Safe. Like something wrapped up neatly and handed to you with a bow. “Unbundled” sounds like the opposite, like someone took that neat package and scattered it across the floor.… Read More
Roth catch-up requirements are adding a new layer of operational complexity to retirement plans, especially for organizations with variable compensation and multi-entity structures.
For plan sponsors, the challenge is not just understanding the rule. It is how easily compensation, plan design, and payroll execution can fall out of alignment over the course of a year.… Read More
