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Here’s another one from the vault: A prospective client called me with a common question: “I’m Joe. My accountant says the maximum contribution a business owner can defer into a retirement plan is 25% of their earned income. But a friend told me that some...

“David, this is Juan. I’m a business owner and I just bought out one of my competitors. You’ve been managing their retirement plan and they had good things to say about you so I’m calling to ask for your help. We already have a 401K for our business so do I just...

Here’s a question I hear all the time: Can you exclude bonuses from the definition of compensation for purposes of the employer matching contribution? Why would you exclude certain compensation from a company contribution like a match? With respect to bonuses, well...

One of my clients, Barry, called the other day with a common question: “I was late submitting our weekly payroll contributions. Is that a big deal? I calculated the loss of earnings—about ten dollars, filed Form 5330, and paid $1.50 in excise tax. But that all seemed...

Stories from the vault: “David, I’m Brenda. I’m starting a small law firm–ten lawyers and the usual clerks and secretaries. My accountant told me you’re the man to speak with when it comes to setting up our retirement benefits.” “I’m glad you called, and here’s how...

I’ve saved next to nothing for retirement and now that I’m ready to start winding down, I’m not sure I’m going to be able to. Am I too late to save for retirement?”

Would you ask a construction worker to decorate your house? It sounds crazy but so many people do the same thing with their company’s retirement plan.

All our execs got big refunds of the contributions they made into the 401K retirement plan last year and they’re not happy about it; they wanted those contributions matched and invested.

Nobody loves taxes, but what if there were a way for you to set up a retirement account that would grow on a tax-free basis?

If you missed your deadline, you can self-correct by restating your plan without a formal submission to the IRS

Lifetime Income Disclosure? If your retirement plan is professionally managed, this has probably been taken care of.

Jeanne, the HR director for a law firm complained that the company was having a tough time passing their non-discrimination testing. Each year, they offered the same embarrassing excuse to their employees: “We failed our non-discrimination test again this year and we...