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# conciergeretirementservices.com

Custom Retirement Plans

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## Posts

- [The Notorious ESG](https://conciergeretirementservices.com/the-notorious-esg/) - Environmental, social and governance investing – better known as ESG to those in the know (by the way, I was one of those not in the know) is a hotly debated topic in the 401(k) world. Research from Cerulli Associates, which specializes in worldwide asset management and distribution analytics, found that 45% of investor households cited ESG factors as a preferred method of investing, with enthusiasm highest (surprise, surprise) among younger investors.
- [3 Mistakes You May Be Making with Your Retirement Plan](https://conciergeretirementservices.com/3-mistakes-you-may-be-making-with-your-retirement-plan/) - With over 4 decades worth of retirement servicing experience, we have seen it all. Everything from unsigned plan documents to theft of an employee’s 401(k) plan. However, there are 3 common mistakes that are most consequential to your retirement plan. Download Infographic
- [Payroll Provider vs. Madison Pension](https://conciergeretirementservices.com/payroll-provider-vs-madison-pension/) - Have you ever wondered how your payroll provider stacks up to a professional service firm like Madison Pension? As you may be aware some payroll providers also offer retirement services. You may be with one right now! They lure you in with the promise of saving you time and money with their integrated payroll and
- [Your Plan Has Been Following the Rules. Has Your Plan Document?](https://conciergeretirementservices.com/your-plan-has-been-following-the-rules-has-your-plan-document/) - Marissa served as the HR director of a longtime client. “David, I received an amendment package for our retirement plan from our TPA firm. It references SECURE 1.0, the CARES Act, SECURE 2.0, and enough numbered sections to make me question my career choice.” I laughed. “That sounds about right.” “I was told to have
- [A 2025 Tax Deduction—in 2026?](https://conciergeretirementservices.com/a-2025-tax-deduction-in-2026/) - Michael called me after meeting with his accountant. “David, I just got a preview of my 2025 tax bill. Let’s just say it wasn’t a particularly enjoyable meeting. He told me we should have considered setting up a retirement plan before the end of last year. Our tax return is on extension, but 2025 is
- [The Costs of a Sloppy Plan Document](https://conciergeretirementservices.com/cost-sloppy-plan-document/) - Don't understand your 401(k) plan document? You're not alone. A sloppy plan document can contain hidden surprises.
- [Let the State Run Your Plan?Take a Number](https://conciergeretirementservices.com/rstate-run-retirement-plan-take-a-number/) - Don't understand your 401(k) plan document? You're not alone. A sloppy plan document can contain hidden surprises.
- [Solve The Mystery of the Missing 401(k) Contributions](https://conciergeretirementservices.com/mystery-missing-401k-contributions/) - When people’s retirement money is on the line, you don’t want to rely on assumptions. If there’s a problem, we’ll catch it … and no one else will ever know there was a problem.
- [Don't Merge Retirement Plans Without a Professional Review](https://conciergeretirementservices.com/dont-merge-retirement-plans-without-a-professional-review/) - We caught the problems before the deal closed, negotiated the cost of remediation into the purchase price—and kept the merger on track.
- [Important Reminders for Plan Sponsors & Plan Participants, Oct. 2025](https://conciergeretirementservices.com/important-reminders-for-plan-sponsors-plan-participants-oct-2025/) - TO: All Clients and Professional Friends FROM: CRS Retirement Plan Consultant Team DATE: October 2025 SUBJECT: Important Reminders for Plan Sponsors & Plan Participants Beneficiary Forms Life changes and at times the last thing that is focused on is changing your beneficiary form. Your beneficiary designation supersedes the instructions in your last will and testament
- [State Mandated Retirement Plans: Compliance or Choice?](https://conciergeretirementservices.com/state-mandated-retirement-plans/) - Do you really want the government managing your retirement plan?
- [Top 5 Compliance Pitfalls for 2025 (and How to Avoid Them)](https://conciergeretirementservices.com/top-5-compliance-pitfalls-2025/) - The top five compliance pitfalls—missed deadlines, failed nondiscrimination testing, late contributions, incomplete plan documents, and mishandled loans and distributions.
- [Retirement Roadblocks in the Cannabis Industry](https://conciergeretirementservices.com/retirement-cannabis/) - Most custodial platforms won’t touch cannabis companies. It’s still illegal at the federal level, and that keeps almost every major provider away.
- [Implement a New 401(k) Plan: These Tax Credits Practically Pay All the Startup Costs](https://conciergeretirementservices.com/new-401k-tax-credits/) - With good plan design and these tax credits, the government essentially foots the bill while your employees start saving for their future. That’s a win-win.
- [Tailor Your Retirement Plan to Every Generation](https://conciergeretirementservices.com/tailor-retirement-plans-generations/) - A one-size-fits-all plan might check a compliance box—but it won’t inspire action.
- [The Wobbly Stool: Retirement Planning Matters More Than Ever!](https://conciergeretirementservices.com/wobbly-stool/) - I keep hearing about a ‘three-legged stool’ of retirement. Is that still a thing? I mean … it sounds like something my grandfather would have said.
- [Fun with Forfeiture Funds](https://conciergeretirementservices.com/forfeiture-funds/) - Companies have been sued for not using their forfeiture balances within 12 months. The unvested money should have gone back to plan participants sooner.
- [Can I Become a 401(k) Millionaire?](https://conciergeretirementservices.com/401k-millionaire/) - Unless you know how to navigate the small print, ERISA rules can actually limit retirement plan options.
- [Why Aren’t My Employees Signing up!?](https://conciergeretirementservices.com/why-arent-my-employees-signing-up/) - Unless you know how to navigate the small print, ERISA rules can actually limit retirement plan options.
- [The Cost of “Convenience”](https://conciergeretirementservices.com/cost-conveneince/) - Unless you know how to navigate the small print, ERISA rules can actually limit retirement plan options.
- [The Case of the Never-Ending Audit](https://conciergeretirementservices.com/the-case-of-the-never-ending-audit/) - Unless you know how to navigate the small print, ERISA rules can actually limit retirement plan options.
- [Simple Solutions to Record-Keeping Disasters](https://conciergeretirementservices.com/simple-solutions-to-record-keeping-disasters/) - Unless you know how to navigate the small print, ERISA rules can actually limit retirement plan options.
- [The 401K Rollover Dilemma: A Cautionary Tale](https://conciergeretirementservices.com/401k-rollover/) - Unless you know how to navigate the small print, ERISA rules can actually limit retirement plan options.
- [Will Switching Jobs Cost You Hundreds of Thousands in Retirement Savings?](https://conciergeretirementservices.com/switching-jobs/) - Unless you know how to navigate the small print, ERISA rules can actually limit retirement plan options.
- [Take Control of Your Internal Control!](https://conciergeretirementservices.com/internal-control/) - A fifth client this month asked me to review their internal controls. Usually, they make the same mistakes…
- [Catch Up with the Catch-Up Contribution!](https://conciergeretirementservices.com/catch-up-contribution/) - A fifth client this month asked me to review their internal controls. Usually, they make the same mistakes…
- [Holiday Bonuses and Win/Win Strategies](https://conciergeretirementservices.com/holiday-bonuses-win-win-strategies/) - Unless you know how to navigate the small print, ERISA rules can actually limit retirement plan options.
- [Changes Coming for 2025: Automatic Enrollment for Retirement Plans](https://conciergeretirementservices.com/automatic-enrollment-for-retirement-plans-coming-2025/) - Unless you know how to navigate the small print, ERISA rules can actually limit retirement plan options.
- [Inheriting an IRA: Navigate the Tax Maze](https://conciergeretirementservices.com/inheriting-an-ira-navigate-the-tax-maze/) - A fifth client this month asked me to review their internal controls. Usually, they make the same mistakes…
- [I Put My Spouse on Payroll. Now What?](https://conciergeretirementservices.com/i-put-my-spouse-on-payroll-now-what/) - With a well-designed plan, having your spouse on payroll could actually double the contribution deductions.
- [ERISA After 50!](https://conciergeretirementservices.com/erisa/) - Unless you know how to navigate the small print, ERISA rules can actually limit retirement plan options.
- [Sometimes It’s Illegal to Spend Your Own Money!](https://conciergeretirementservices.com/sometimes-its-illegal-to-spend-your-own-money/) - Unless you know how to navigate the small print, ERISA rules can actually limit retirement plan options.
- [Why Was My Contribution Cut in Half?](https://conciergeretirementservices.com/why-was-my-contribution-cut-in-half/) - If you plan early enough, you can make changes to your retirement plan and avoid significant contribution reductions.
- [Can I Save Money by Owning Multiple Companies?](https://conciergeretirementservices.com/multiple-companies/) - As long as you’re not the sole owner of the other business, you might be able to set up separate plans for multiple companies.
- [Ideas to Think About Before the End of the Year](https://conciergeretirementservices.com/end-of-year-ideas/) - During the holidays, we focus on decorating our homes, putting up lights, and buying gifts. What about treating your business or your clients with additional tax savings? Do you or your clients only put away an IRA contribution? Think about upgrading to a qualified retirement plan. This allows business owners to put away up to
- [New Rule Regarding Form 5500](https://conciergeretirementservices.com/new-rule-regarding-form-5500/) - Will your TPA notify you of changes will you pay again for an expensive annual audit you don’t really need?
- [State-Mandated Retirement Plans: The Number Continues to Grow](https://conciergeretirementservices.com/state-mandated-retirement-plans-the-number-continues-to-grow/) - Ten states have passed bills requiring you to adopt a state-mandated retirement plan if you do not have a qualified retirement plan like a 401k. Those states include California, Colorado, Connecticut, Illinois, Maine, Maryland, New Jersey, New York, Oregon, and Virginia, and this number is likely to at-least double over the next 5 years. The
- [Clean-Up That Poorly-Run Plan](https://conciergeretirementservices.com/clean-up-that-poorly-run-plan/) - Running your own retirement plan is risky and difficult. Why not hand that responsibility off to a qualified Retirement Plan Management firm
- [Success Stories](https://conciergeretirementservices.com/success-stories/) - Many CPA firms see the benefits of collaborating with a Professional Retirement Plan Consultant.
- [Do Payroll Providers Really Do Everything For You?](https://conciergeretirementservices.com/do-payroll-providers-really-do-everything/) - What payroll providers fail to mention is what they don’t do for you
- [SECURE 2.0 Webinar](https://conciergeretirementservices.com/secure-2-0-webinar/) - The hour long webinar discuss the key provisions of SECURE 2.0 and its impact to retirement plans. We delve into the opportunities for plan enhancements, as well as administrative pitfalls to be aware of. Finally, we come full circle and take a look at how Concierge Retirement Services (CRS) can assist our clients to take full advantage of the act and avoiding these administrative pitfalls.
- [WHERE'S MY DEDUCTION?](https://conciergeretirementservices.com/wheres-my-deduction/) - In the timeless children’s book Are You My Mother?, a baby bird goes in search of his mother. When a mother bird’s egg starts to jump, she hurries off to make sure she has something for her little one to eat. But as soon as she’s gone, out pops the baby bird. He immediately sets
- [Get Ready for New 401k Plan Requirements](https://conciergeretirementservices.com/get-ready-for-new-401k-plan-requirements/) - Kareem called me from the HR department of a client company. “Hi David. What happens when a new employee doesn’t formally opt in or out of the retirement plan? I’m not sure what to do with them.” “Great question, Kareem, and a timely one. Starting this year, if you open up a plan starting in
- [Do You Dislike Distributing Forms to Employees Who Are Disinterested in Your Retirement Plan?](https://conciergeretirementservices.com/distributing-forms/) - One of the best parts of my job involves knowing the answers to our clients’ questions. We all love to help others and that’s part of what motivates me to stay on top of any changes to the rules that effect retirement planning. Juan called me with an administrative question. “David, I’m not sure if
- [Huge Enhancements to Small Pension Plan Start-up Costs](https://conciergeretirementservices.com/enhancements-pension-plan-costs/) - Shannon was referred to me by a client. “I’m starting up a new business venture and Kim told me you could help set up the retirement plan.” “Hi Shannon,” I said. “You’re going to like the good news I have for you. Thanks to a new set of changes in the rules called ‘SECURE 2.0,’
- [Starter 401k / 403b Plans. Are They Worth it?](https://conciergeretirementservices.com/starter-401k-403b-plans-are-they-worth-it/) - “David, I read your blog post about state-mandated IRA programs, and how it makes sense to set-up your own retirement plan and not use the government’s.” “Thanks Jeff. I’m always happy to hear from someone who’s doing their homework and trying to stay on top of what’s happening. How can I help?” “Well,” said Jeff,
- [Two Changes to Catch-up Contributions: One Good and the Other…](https://conciergeretirementservices.com/catch-up-contributions/) - “David, it’s Beth. I just brought a few of our consultants on as full-time hires. They’re in their 50s—a bit older than our typical new employees—and since they’ll only have so many years to contribute into our retirement plan, I was wondering if…” “What you’re asking about is called a ‘catch-up,’” I explained. Catch-ups are
- [Now You Can Boot Ex-Employees Out of Your Retirement Plan!](https://conciergeretirementservices.com/now-you-can-boot-ex-employees-out-of-your-retirement-plan/) - Check your former employees’ balances. You may find there are people you could not roll out before, but now you can. SECURE 2.0 has raised the mandatory rollover limit from $5K to $7K as of 2024. This means that if an employee has a vested balance of less than $7K you can roll over their
- [The IRS Says Babies Can Wait!](https://conciergeretirementservices.com/babies-can-wait/) - Get this! A rule on the books stated that if a married couple had two completely separate businesses and they had a minor child, those business would be considered linked for retirement plan purposes. If they did not have a minor child, those businesses would not be linked. So two individuals have separate businesses. One
- [Have You Heard About this Great Enhancement to the Savers Credit?](https://conciergeretirementservices.com/savers-credit/) - Megan, The HR Director of one of our client companies called to discuss one of their low-income employees. She wanted to see if there was any way to maximize their benefits short of giving them a fat raise. “Savers credit is a little-known and underutilized credit for lower-income employees,” I explained. “If your employee qualifies
- [Required Minimum Distribution from Roth Accounts? You’re Kidding!](https://conciergeretirementservices.com/required-minimum-distribution-from-roth-accounts-youre-kidding/) - More Good News courtesy of SECURE 2.0: There used to be a discrepancy between qualified employer sponsored retirement accounts and IRAs when it came to Required Minimum Distributions (RMD) for Roth accounts. For IRAs, Roth money was not subject to RMDs. However, if you had Roth money in a qualified plan it was subject to
- [Another Way SECURE 2.0 Will Save You Money!](https://conciergeretirementservices.com/secure-2-0-save-money/) - Retirement plans are described as “top-heavy” when business owners have more than 60% of the overall balance. And this meant many companies were faced with the following dilemma: Do I set the waiting period for my plan to one-year and make my new employees unhappy, or should I make them eligible for the plan immediately?
- [Is it Possible to Reduce My Income to ZERO?](https://conciergeretirementservices.com/reduce-income-zero/) - 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 professionals defer well above that. He told me to call The max contribution a business owner can defer into a retirement plan is 25% but some professionals defer well above that. How?
- [The Challenges of Finding Lost Participants](https://conciergeretirementservices.com/finding-lost-participants/) - An employee leaves your company and they still have a balance under your retirement plan. Years go by and the former employee cannot be located. Why is that your problem? If they changed their address and never told you, why should you as the former employer be responsible to find lost participants? Well, the law An employee leaves your company and they still have a balance under your retirement plan. Years go by and the former employee cannot be located. Why is that your problem?
- [Gotten Too Big? Recover Your Small Plan Advantages](https://conciergeretirementservices.com/recover-small-plan-advantages/) - Two business owners, Jim and Bob, met for lunch.“Very cool how you’ve grown your company so fast,” said Bob. “Seventy-five employees! You had what—five—just a year ago?”“Thanks,” said Jim, “But that growth comes with a cost. Our retirement plan used to get us over $300K in deductions with minimal staff contributions.Then we got big and Larger benefits are possible with smaller contributions. What works for smaller companies can work for a larger company … if you work with someone who knows how to set it up.
- [SECURE 2.0: Changes to the RMD Rule](https://conciergeretirementservices.com/secure-2-0-changes-to-the-rmd-rule/) - “David, What’s SECURE 2.0 and how does it affect my company’s retirement plan?” The rules change and my phone rings. That’s just how things work around here. “Glad you asked, Sarah. I’ll take care of the details for you of course, but in a nutshell SECURE 2.0 is new legislation that came out at the
- [Did You Know? Student Loan Repayments Can Count as Deferrals for Matching Purposes](https://conciergeretirementservices.com/did-you-know-student-loan-repayments-can-count-as-deferrals-for-matching-purposes/) - Juan called me the other day with an interesting problem: “We’ve been hiring a lot of young people right out of college,” he explained. “We try to set them up with our company retirement plan but they’re all drowning in debt. They’re declining to participate because too much of their paycheck is going to pay
- [Tough Times? Now You Can Tap Your Retirement Savings!](https://conciergeretirementservices.com/tough-times-now-you-can-tap-your-retirement-savings/) - James, an HR director, called me with a serious question. “I have a few employees who I think have fallen on hard times. They haven’t told me what’s going on but they’re asking questions about what the penalties are for withdrawing money from their retirement plans, and they look pretty stressed out.” “I’ve seen heard
- [You Purchased Another Business! What About Their 401K?](https://conciergeretirementservices.com/purchased-another-business/) - “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 terminate their plan We see it happen all the time. Too many companies just terminate their existing plan and the employees wind up shut-out of the new plan for 12 months.
- [401(k) Plans, Student Loans & the Private Letter Ruling AND The 2019 Maximums Are Out](https://conciergeretirementservices.com/401k-plans-student-loans-the-private-letter-ruling-and-the-2019-maximums-are-out/) - For many Millennials saving for retirement has become a binary choice. Either they choose to pay down their student debt or they choose to save for retirement. Either one or the other. As many Millennials are in the earliest years of their working careers, difficult choices about how to allocate their hard earned paychecks must be made. Therefore, for many Millennials, paying down their student loan trumps deferring into their company’s 401(k) plan.
- [Americans Still Have High Hopes of Retiring Early (hope being the operative word) & Retirees Understanding of the Taxes that They Will Pay in Rerirement](https://conciergeretirementservices.com/americans-still-have-high-hopes-of-retiring-early/) - Findings from MassMutual’s 2018 “State of the American Family” illustrates that on average, respondents expect to retire at age 62, as opposed to age 64 when the study was last conducted five years ago in 2013. Surprisingly, 40% of the respondents from the study intend to retire before age 60, up from 32% from that same 2013 study. With all of this optimism, did any of the percentages go down? Well yes, actually. 22% of respondents now expect to retire after age 65, down from 30% from the 2013 study. So there was a decrease in the percentage of folks who expect to retire after age 65 and an increase in the percentage of folks who expect to retire before 65.
- [Baby Boomers in Student Debt?](https://conciergeretirementservices.com/baby-boomers-in-student-debt/) - ONE GENERATION OF AMERICANS OWES $86B IN STUDENT DEBT. ITS MEMBERS ARE ALL 60 YEARS OLD OR MORE Seniors with student debt? Surely that is some sort of a mistake. No, it’s not. A recent article in the Wall Street Journal (WSJ) shined a light on a little known and growing problem. Seniors that have taken on student debt. Some took out loans to help pay for their children’s college tuition and while the child may be out of school for years, the debt remains. Others, in the wake of the most recent recession, took out student loans while trying to reinvent themselves. They needed new skills to make themselves more attractive to potential employers. Many of those dreams withered on the vine but again, the debt remains.
- [HOW TO STOP WASTING MONEY & SAVE MORE (OR START SAVING) FOR RETIREMENT](https://conciergeretirementservices.com/how-to-stop-wasting-money-save-more-or-start-saving-for-retirement/) - David I Gensler, MSPA, MAAA, ACOPA, EA Everyone would save more for retirement if they only had more disposable income. The Wall Street Journal recently sat down with a group of financial experts, one of whom is a Nobel prize-winning economist. Want to hear their take on why Americans have so little savings and
- [MILLENNIALS ARE NOT SAVING FOR RETIREMENT BECAUSE… THE SKY IS FALLING?](https://conciergeretirementservices.com/millennials-are-not-saving-for-retirement-because-the-sky-is-falling/) - David I Gensler, MSPA, MAAA, ACOPA, EA Well OK. Chicken Little notwithstanding, the sky is not actually falling. But for millennials, it might as well be. The barrage of depressing news coupled with the fact that the impact of climate change seems to be accelerating leaves many of them to be pessimistic about the
- [THE THREAT OF ZOMBIES IS REAL!](https://conciergeretirementservices.com/the-threat-of-zombies-is-real/) - David I Gensler, MSPA, MAAA, ACOPA, EA Consumer-debt that is years or even decades old is known as “zombie” debt in the debt buying industry and represents a growing cause of concern for consumers. Just like real life zombies (that is probably an oxymoron) these “almost dead” consumer debts can see new life many
- [IT’S NOT EASY TO STEAL MONEY FROM A RETIREMENT PLAN – BUT IT DOES HAPPEN](https://conciergeretirementservices.com/its-not-easy-to-steal-money-from-a-retirement-plan-but-it-does-happen/) - David I Gensler, MSPA, MAAA, ACOPA, EA Two unrelated occurrences illustrate that while it is difficult to steal money from a retirement plan, it is certainly not impossible. TPA SCHEME FAILS From 2013 through 2017, some 300 workers at Ferguson Electric and Ferguson Mechanical had deductions of $1.60 to $3.15 per hour taken from
- [THIS FIDUCIARY BREACH LAWSUIT HAS SOMETHING FOR EVERYONE – INCLUDING JEFFREY EPSTEIN](https://conciergeretirementservices.com/this-fiduciary-breach-lawsuit-has-something-for-everyone-including-jeffrey-epstein/) - This lawsuit has something for everyone: a respected and revered institution (MIT), one of the leading providers of services to the retirement plan industry (Fidelity) and a prominent law firm in the field of fiduciary litigation (the firm of Schlichter Bogard & Denton LLP). Even Jeffrey Epstein, the disgraced financier plays a role in this
- [WHILE WE WERE SLEEPING --  CONGRESS PASSES THE SETTING EACH COMMUNITY UP for RETIREMENT ENHANCEMENT (SECURE) ACT](https://conciergeretirementservices.com/while-we-were-sleeping-congress-passes-the-setting-each-community-up-for-retirement-enhancement-secure-act/) - Amidst all the strum and drang going on in Washington, little noticed by anyone other than pension geeks (like me), Congress passed the most sweeping retirement plan legislation in 13 years. It was signed into law by the President on December 20th. The SECURE act is so comprehensive and contains so many modifications that it
- [THE FACE OF RETIREMENT IS CHANGING – AND EMPLOYERS & ADVISORS NEED TO CHANGE WITH IT](https://conciergeretirementservices.com/the-face-of-retirement-is-changing-and-employers-advisors-need-to-change-with-it/) - David I Gensler, MSPA, MAAA, ASEA We’ve seen these images and advertisements so many times that we don’t pay much attention to them anymore. They are on the booklets that the recordkeeping providers give out at enrollment meetings. They flash across the TV screen as part of the retirement based commercials for insurance companies and
- [When Does One-Year Equal Nine Months (Or Less)?](https://conciergeretirementservices.com/when-does-one-year-equal-nine-months-or-less/) - We know that the CARES Act doubled retirement plan loan limits for qualified individuals eligible for a Corona-Virus Related Distribution (CRD) to be the lesser of $100,000 or 100 percent of the participant's vested account balance. To qualify, the loan must be made within 180 days after the enactment of the CARES Act (March 27th).
- [UPDATE ON CORONA VIRUS RETIREMENT RELATED LEGISLATION](https://conciergeretirementservices.com/update-on-corona-virus-retirement-related-legislation/) - David I Gensler, MSPA, MAAA, ASEA I thought that the most important thing that I could do with this month’s newsletter is to provide you with an update of any retirement related legislation as it moves through Congress. Though negotiations are not over, on March 22nd Senate Majority Leader Mitch McConnell (R-KY) released a revised
- [DERAILED RETIREMENT STORIES – BAD PLANNING, BAD LUCK OR BOTH?](https://conciergeretirementservices.com/derailed-retirement-stories-bad-planning-bad-luck-or-both/) - Every day, 10,000 Americans turn 65. Life spans are lengthening and the contingent medical bills that inevitably accompany old age rise as well. Half of American families in the 56 – 61 age bracket had less than $21,000 in retirement savings (based on a study by the Economic Policy Institute). Will our safety nets (Medicare,
- [RETIREMENT – IS IT POSSIBLE IN A POST-COVID WORLD?](https://conciergeretirementservices.com/retirement-is-it-possible-in-a-post-covid-world/) - Tens of millions of Americans are out of work while the stock market’s wild swings are making you dizzy, and you wonder… what are the rules of retirement in this new world we now live in? Has there really been a shift in the tried and true rules to a secure retirement? The answers are
- [DEMYSTIFYING HOW THE CARES ACT AND IRS HAVE CHANGED 2020 REQUIRED MINIMUM DISTRIBUTIONS (RMDs)](https://conciergeretirementservices.com/demystifying-how-the-cares-act-and-irs-have-changed-2020-required-minimum-distributions-rmds/) - Congress often gets chided (and justifiably so) for moving at the speed of a glacier, but there are times when they do act with deliberate speed. The CARES Act was one of those times. They acted quickly to pass legislation that increased the size of loans that participants can take from retirement plans (from a
- [COVID-19 vs. THE GREAT RECESSION of 2008-2009 – WHICH WAS WORSE?](https://conciergeretirementservices.com/covid-19-vs-the-great-recession-of-2008-2009-which-was-worse/) - Choosing which is worse, the COVID-19 pandemic or the Great Recession of 2008 is like being asked to choose between having a root canal or a colonoscopy. They are both awful but they are awful in different ways. In terms of retirement plans though, it is certainly worth asking the question: how have these disasters
- [THE CLOCK IS TICKING…](https://conciergeretirementservices.com/the-clock-is-ticking/) - Most of the deadlines for various forms of relief provided by the Coronavirus, Aid, Relief and Economic Security (CARES) Act have passed. But not all. However, as we wait for this awful year to finally be over, there are deadlines looming wuth regards to utilizing these special provisions for loans and distributions.Let’s quickly revisit some
- [COVID-19 AND ITS IMPACT ON DIVORCE & RETIREMENT PLANS](https://conciergeretirementservices.com/covid-19-and-its-impact-on-divorce-retirement-plans/) - I have read various articles about the impact that the Pandemic is having on married couples and divorce. Some articles suggest that with couples forced to spend more time together, that they have decided to hit the pause button on moving forward with their divorce. The fact that they are not being pulled in so
- [COVID-19 And Its Impact On Employees Who Have Been Laid Off And Their Vested Benefits From Their 401(k) Plans](https://conciergeretirementservices.com/covid-19-and-its-impact-on-employees-who-have-been-laid-off-and-their-vested-benefits-from-their-401k-plans/) - Lost in the tumult of the last few weeks is a rather significant piece of pension legislation that was buried in the Consolidated Appropriations Act, 2021 that was signed into law on December 27, 2020. You know it more for its granting an extra $600 to Americans that were qualified to receive it. It provides
- [The Mega-Backdoor Roth Conversion Strategy - The Devil's In The Details](https://conciergeretirementservices.com/the-mega-backdoor-roth-conversion-strategy-the-devils-in-the-details/) - In Saturday’s Wall Street Journal, an article appeared on a strategy known as the mega-backdoor Roth conversion. We all know that contributions to a Roth account are made with after-tax dollars and that the earnings grow on a tax free basis. The article referenced one Peter Thiel, whose pre-IPO Roth account has grown over the
- [Good News From The IRS (No, That's Not A Typo)](https://conciergeretirementservices.com/good-news-from-the-irs-no-thats-not-a-typo/) - Section 201 of the Setting Every Community Up for Retirement Enhancement (SECURE – our government will do almost anything for an acronym) permits an employer to adopt a retirement plan after the close of the employer’s tax year. This provision applies to plans adopted after December 31, 2019. This represents a major change in the
- [Your Retirement Plan's Beneficiary Form - The Most Important Form You Never Thought About](https://conciergeretirementservices.com/your-retirement-plans-beneficiary-form-the-most-important-form-you-never-thought-about/) - People get divorced and people die. Those are just facts of life. And after a divorce is finalized, folks need to put their new lives in order. Changes are made to the beneficiaries on their life insurance policies and wills get changed. New, separate bank accounts are established. If they remarry and if it is
- [Set it and Forget it? Forget it!](https://conciergeretirementservices.com/set-it-forget-it/) - Set it and Forget it? Forget it! One of our clients, Terry, told us about a conversation she’d had at a SHRM chapter meeting. “Our Retirement Plan is driving me crazy,” Ryan complained. “So many deadlines and forms to file—and now the executives are complaining that the lower-paid employees are causing them to get hit “You wouldn’t wait 15 years for a medical checkup! Get a free consultation, have a professional look at the numbers, offload all the deadlines and filing hassles, and you’ll come out ahead!
- [Late with One Lousy Contribution. No Big Deal, Right?](https://conciergeretirementservices.com/late-contribution/) - 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 too easy so I thought I’d give you “I was late submitting our weekly payroll contributions. Is that a big deal?
- [Can You Exclude Certain Compensation from Matching Contributions?](https://conciergeretirementservices.com/exclude-compensation-matching-contributions/) - 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 they’re bonuses. Certain employers may not feel the need to match on discretionary
- [Did You Know? Earn Tax Credits for Starting a Retirement Plan](https://conciergeretirementservices.com/tax-credits-for-starting-retirement-plan/) - 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 this pays for itself right away: A lot of
- [Turning a Fail to a Pass](https://conciergeretirementservices.com/turning-fail-to-pass/) - 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. 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.
- [The Mega Back Door Roth Conversion](https://conciergeretirementservices.com/mega-back-door-roth-conversion/) - 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? 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?
- [You Asked Your Electrician to Do Your Plumbing!?](https://conciergeretirementservices.com/you-asked-your-electrician-to-do-your-plumbing/) - 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.
- [I’m Winding Down. Is it Too Late to Save for Retirement?](https://conciergeretirementservices.com/winding-down-too-late/) - 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?” 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?”
- [Lifetime Income Disclosure. What’s That?](https://conciergeretirementservices.com/lifetime-income-disclosure/) - Lifetime Income Disclosure? If your retirement plan is professionally managed, this has probably been taken care of. Lifetime Income Disclosure? If your retirement plan is professionally managed, this has probably been taken care of.
- [Missed the Deadline? Welcome News from the IRS!](https://conciergeretirementservices.com/missed-deadline/) - If you missed your deadline, you can self-correct by restating your plan without a formal submission to the IRS If you missed your deadline, you can self-correct by restating your plan without a formal submission to the IRS
- [The Top-Paid Group Rule: Put an End to High-Comp Employee Refunds](https://conciergeretirementservices.com/top-paid-group-rule/) - 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 have to refund you a chunk of the money you put into the Instead of determining highly compensated employees (HCE) contributions based on compensation alone, consider whether they are within the top 20% of employees based on income.
- [Nobody’s Forcing You](https://conciergeretirementservices.com/nobodys-forcing-you/) - We all love referrals. One of our clients told a friend about Concierge Retirement Services and we set up a phone meeting. “Hi, David. Marsha said I should call you but I don’t think you’ll be able to help. I run HR for a medium-sized business and we need to work on our retirement benefits
- [When There’s a Will, There Might <i>Not</i> Be a Way](https://conciergeretirementservices.com/will/) - A client came to see me about his retirement plan. Bill had done well and was ready to enjoy some of the benefits he’d been saving for all his life. Bill had divorced his first wife a decade earlier, and moved on to a new partner. “Bill, there’s something a lot of people overlook. Have
- [You Expect the HR Director to Do <i>What?</i>](https://conciergeretirementservices.com/hr-directors-do-what/) - Bea took a seat next to her friend Maria at the monthly SHRM chapter meeting. “Maria how are you? I was hoping I’d run into you. I have an HR question for you.” Maria smiled. “Always good to see you. How can I help?” Bea took a breath. “I’ve got the insurance stuff down and
- [The Cost of Success](https://conciergeretirementservices.com/cost-of-success/) - Two lawyers were talking at a chamber of commerce breakfast. Both owned successful, growing practices. “Ah, but that success comes with a price,” said Bill. “I’m happy that my firm is doing well but it’s my firm. I want to set up a retirement plan that doesn’t involve making massive contributions for my team, especially
- [Managing a 401K? Get Out of Jail Free!](https://conciergeretirementservices.com/managing-a-401k-get-out-of-jail-free/) - Sally sounded frantic on the phone. “You helped my friend Karen at the c0m0any she works for and I’m hoping you have a solution for me. Competition for talented employees is fierce. Business is up and I am using every resource at my disposal to fill the positions we lost as a result of COVID.

## Pages

- [CRS](https://conciergeretirementservices.com/) - The 3 most common reasons why most people ask us to provide retirement plan solutions are: To maximize tax deductions; To attract and retain the highest quality employees; and To have a plan that takes less time to administer. That’s what we’re here for. To help you.
- [Infographics](https://conciergeretirementservices.com/infographics/) - Two easy to understand infographics about Concierge Retirement Services and the program they offer.
- [Our Clients](https://conciergeretirementservices.com/our-clients/) - Discover what Concierge Retirement Services clients are saying about them.
- [About Us](https://conciergeretirementservices.com/about-us/) - [et_pb_section fb_built=”1″ admin_label=”Top About Us Section” _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text admin_label=”Concierge Retirement Services” _builder_version=”4.27.4″ _module_preset=”default” header_3_font=”Karla||||||||” header_3_text_color=”#aaadab” header_3_font_size=”15px” global_colors_info=”{}”]CONCIERGE RETRIEMENT SERVICES®[/et_pb_text][et_pb_text admin_label=”About Us” _builder_version=”4.27.4″ _module_preset=”default” text_font=”Karla||||||||” text_font_size=”18px” header_font=”Cormorant Garamond||||||||” header_text_color=”#000000″ header_font_size=”56px” global_colors_info=”{}”]About Us Concierge Retirement Services®, formerly known as Madison Pension Services, is dedicated to helping small to
- [3(16) Services](https://conciergeretirementservices.com/316-services/) - [et_pb_section fb_built=”1″ admin_label=”Hero Section” _builder_version=”4.16″ _module_preset=”default” custom_padding=”0|0px|0px|0px” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.17.1″ _module_preset=”default” width=”100%” max_width=”100%” custom_padding=”0px|0|0px|” use_custom_width=”on” width_unit=”off” custom_width_percent=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”200px|8%|260px|8%” custom_padding_tablet=”80px|10%|80px|10%” custom_padding_phone=”80px|10%|80px|10%” custom_padding_last_edited=”on|tablet” global_colors_info=”{}” padding_tablet=”80px|10%|80px|10%” padding_last_edited=”on|tablet” custom_padding__hover=”|||” padding_phone=”80px|10%|80px|10%”][et_pb_text admin_label=”Specialized Options” _builder_version=”4.17.1″ _module_preset=”default” text_font=”||||||||” header_font=”||||||||” header_3_font=”Karla|700||on|||||” header_3_text_color=”#aaadab” header_3_font_size=”16px” header_3_letter_spacing=”1px” background_layout=”dark” max_width=”600px” module_alignment=”left” custom_margin=”||20px|” locked=”off” global_colors_info=”{}”]Specialized Options[/et_pb_text][et_pb_text admin_label=”Types of Retirement Plans – 3(16)” _builder_version=”4.27.4″
- [Caps and Maximum Contribution Numbers](https://conciergeretirementservices.com/caps-and-maximum-contribution-numbers/) - This table is a handy reference of caps and maximum contribution numbers for retirement plans.
- [David Gensler](https://conciergeretirementservices.com/meet-crs/david-gensler-2/) - President and Founder of Concierge Retirement Services.
- [Meet CRS](https://conciergeretirementservices.com/meet-crs/) - Meet the exemplary professionals at Concierge Retirement Services. Concierge Retirement Services helps companies implement and run successful retirement plans.
- [Elizabeth Rogers](https://conciergeretirementservices.com/meet-crs/elizabeth-rogers/) - [et_pb_section fb_built=”1″ admin_label=”Hero Section” _builder_version=”4.16″ _module_preset=”default” custom_padding=”0|0px|0px|0px” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” make_equal=”on” _builder_version=”4.16″ _module_preset=”default” width=”100%” max_width=”100%” custom_padding=”0px|0|0px|||” use_custom_width=”on” width_unit=”off” custom_width_percent=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”200px|4%|200px|8%” custom_padding_tablet=”60px|10%|60px|10%” custom_padding_phone=”60px|10%|60px|10%” custom_padding_last_edited=”on|tablet” global_colors_info=”{}” padding_tablet=”60px|10%|60px|10%” padding_last_edited=”on|tablet” custom_padding__hover=”|||” padding_phone=”60px|10%|60px|10%”][et_pb_text admin_label=”Concierge Retirement Services” _builder_version=”4.17.1″ _module_preset=”default” text_font=”||||||||” header_font=”||||||||” header_3_font=”Karla|700||on|||||” header_3_text_color=”#aaadab” header_3_font_size=”16px” header_3_letter_spacing=”1px” background_layout=”dark” max_width=”600px” module_alignment=”left” custom_margin=”||20px|” locked=”off” global_colors_info=”{}”]Concierge Retirement Services[/et_pb_text][et_pb_text admin_label=”Elizabeth Rogers” _builder_version=”4.17.1″ _module_preset=”default”
- [Rene Boelter](https://conciergeretirementservices.com/meet-crs/rene-boelter/) - [et_pb_section fb_built=”1″ admin_label=”Hero Section” _builder_version=”4.16″ _module_preset=”default” custom_padding=”0|0px|0px|0px” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” make_equal=”on” _builder_version=”4.16″ _module_preset=”default” width=”100%” max_width=”100%” custom_padding=”0px|0|0px|||” use_custom_width=”on” width_unit=”off” custom_width_percent=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”200px|4%|200px|8%” custom_padding_tablet=”60px|10%|60px|10%” custom_padding_phone=”60px|10%|60px|10%” custom_padding_last_edited=”on|tablet” global_colors_info=”{}” padding_tablet=”60px|10%|60px|10%” padding_last_edited=”on|tablet” custom_padding__hover=”|||” padding_phone=”60px|10%|60px|10%”][et_pb_text admin_label=”Concierge Retirement Services” _builder_version=”4.17.1″ _module_preset=”default” text_font=”||||||||” header_font=”||||||||” header_3_font=”Karla|700||on|||||” header_3_text_color=”#aaadab” header_3_font_size=”16px” header_3_letter_spacing=”1px” background_layout=”dark” max_width=”600px” module_alignment=”left” custom_margin=”||20px|” locked=”off” global_colors_info=”{}”]Concierge Retirement Services[/et_pb_text][et_pb_text admin_label=”Rene Boelter” _builder_version=”4.27.0″ _module_preset=”default”
- [Rebecca Alfano](https://conciergeretirementservices.com/meet-crs/rebecca-alfano/) - Rebecca Alfano is Concierge Retirement Services' stellar 3(16) Retirement Services Consultant and Office Manger.
- [Frances Day](https://conciergeretirementservices.com/meet-crs/frances-day/) - Frances has been in our profession for over 15 years and is a Retirement Plan Consultant at Concierge Retirement Services.
- [Cyber Security Policy](https://conciergeretirementservices.com/cyber-security-policy/) - [et_pb_section fb_built=”1″ admin_label=”Hero Section” _builder_version=”4.16″ _module_preset=”default” custom_padding=”0|0px|0px|0px” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” make_equal=”on” _builder_version=”4.24.0″ _module_preset=”default” width=”100%” max_width=”100%” custom_padding=”0px|0|0px|” use_custom_width=”on” width_unit=”off” custom_width_percent=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”200px|4%|200px|8%” custom_padding_tablet=”60px|10%|60px|10%” custom_padding_phone=”60px|10%|60px|10%” custom_padding_last_edited=”on|tablet” global_colors_info=”{}” padding_tablet=”60px|10%|60px|10%” padding_last_edited=”on|tablet” custom_padding__hover=”|||” padding_phone=”60px|10%|60px|10%”][et_pb_text admin_label=”Concierge Retirement Services” _builder_version=”4.24.0″ _module_preset=”default” text_font=”||||||||” header_font=”||||||||” header_3_font=”Karla|700||on|||||” header_3_text_color=”#aaadab” header_3_font_size=”16px” header_3_letter_spacing=”1px” background_layout=”dark” max_width=”600px” module_alignment=”left” custom_margin=”||20px|” locked=”off” global_colors_info=”{}”]Concierge Retirement Services[/et_pb_text][et_pb_text admin_label=”Cyber Security Policy” _builder_version=”4.24.0″
- [Blogs and Newsletters](https://conciergeretirementservices.com/blogs-and-newsletters/) - [et_pb_section fb_built=”1″ fullwidth=”on” admin_label=”Hero Section” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_fullwidth_header title=”Blogs, Newsletters and Webinars” subhead=”Latest News” background_overlay_color=”rgba(0,0,0,0.8)” content_max_width=”550px” _builder_version=”4.22.1″ title_font=”Poppins|700||on|||||” title_text_color=”#aaadab” title_font_size=”14px” title_letter_spacing=”2px” title_line_height=”1.4em” content_font=”Poppins||||||||” content_letter_spacing=”1px” content_line_height=”2em” subhead_font=”Playfair Display|700||on|||||” subhead_font_size=”48px” subhead_letter_spacing=”3px” subhead_line_height=”1.4em” background_color=”rgba(255, 255, 255, 0)” background_image=”https://conciergeretirementservices.com/wp-content/uploads/2022/06/Tatiana-Fet-01-600.png” parallax=”on” parallax_method=”on” custom_button_one=”on” button_one_border_width=”1px” button_one_border_color=”rgba(255,255,255,0.3)” button_one_border_radius=”0px” button_one_letter_spacing=”1px” button_one_font=”Saira Extra Condensed|600||on|||||” button_one_icon=”$||divi||400″ button_one_icon_color=”#edbb5f” custom_button_two=”on” button_two_border_width=”1px” button_two_border_color=”rgba(255,255,255,0.3)” button_two_border_radius=”0px” button_two_letter_spacing=”1px” button_two_font=”Saira Extra Condensed|600||on|||||” button_two_icon=”$||divi||400″
- [Kristine Faby](https://conciergeretirementservices.com/meet-crs/kristine-faby/) - Vice-President of Concierge Retirement Services
- [Robert Marks](https://conciergeretirementservices.com/meet-crs/robert-marks/) - Executive Vice President and Chief Actuary of Concierge Retirement Services.
- [Contact Us](https://conciergeretirementservices.com/contact-us/) - Here are the many ways you can reach out and contact Concierge Retirement Services. Sign-up to receive our Blog/Newsletter with retirement services tips and advice.
- [Luke Knightes](https://conciergeretirementservices.com/meet-crs/luke-knightes/) - Luke Knightes is a Retirement Plan Consultant with Concierge Retirement Services.
- [Suzzette Grey](https://conciergeretirementservices.com/meet-crs/suzzette-grey/) - [et_pb_section fb_built=”1″ admin_label=”Hero Section” _builder_version=”4.16″ _module_preset=”default” custom_padding=”0|0px|0px|0px” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” make_equal=”on” _builder_version=”4.16″ _module_preset=”default” width=”100%” max_width=”100%” custom_padding=”0px|0|0px|||” use_custom_width=”on” width_unit=”off” custom_width_percent=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”200px|4%|200px|8%” custom_padding_tablet=”60px|10%|60px|10%” custom_padding_phone=”60px|10%|60px|10%” custom_padding_last_edited=”on|tablet” global_colors_info=”{}” padding_tablet=”60px|10%|60px|10%” padding_last_edited=”on|tablet” custom_padding__hover=”|||” padding_phone=”60px|10%|60px|10%”][et_pb_text admin_label=”Concierge Retirement Services” _builder_version=”4.17.1″ _module_preset=”default” text_font=”||||||||” header_font=”||||||||” header_3_font=”Karla|700||on|||||” header_3_text_color=”#aaadab” header_3_font_size=”16px” header_3_letter_spacing=”1px” background_layout=”dark” max_width=”600px” module_alignment=”left” custom_margin=”||20px|” locked=”off” global_colors_info=”{}”]Concierge Retirement Services[/et_pb_text][et_pb_text admin_label=”Suzzette Grey” _builder_version=”4.18.0″ _module_preset=”default”
- [George Luna](https://conciergeretirementservices.com/meet-crs/george-luna/) - [et_pb_section fb_built=”1″ admin_label=”Hero Section” _builder_version=”4.16″ _module_preset=”default” custom_padding=”0|0px|0px|0px” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” make_equal=”on” _builder_version=”4.16″ _module_preset=”default” width=”100%” max_width=”100%” custom_padding=”0px|0|0px|||” use_custom_width=”on” width_unit=”off” custom_width_percent=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”200px|4%|200px|8%” custom_padding_tablet=”60px|10%|60px|10%” custom_padding_phone=”60px|10%|60px|10%” custom_padding_last_edited=”on|tablet” global_colors_info=”{}” padding_tablet=”60px|10%|60px|10%” padding_last_edited=”on|tablet” custom_padding__hover=”|||” padding_phone=”60px|10%|60px|10%”][et_pb_text admin_label=”Concierge Retirement Services” _builder_version=”4.17.1″ _module_preset=”default” text_font=”||||||||” header_font=”||||||||” header_3_font=”Karla|700||on|||||” header_3_text_color=”#aaadab” header_3_font_size=”16px” header_3_letter_spacing=”1px” background_layout=”dark” max_width=”600px” module_alignment=”left” custom_margin=”||20px|” locked=”off” global_colors_info=”{}”]Concierge Retirement Services[/et_pb_text][et_pb_text admin_label=”George Luna” _builder_version=”4.17.6″ _module_preset=”default”
- [Our Process](https://conciergeretirementservices.com/our-process/) - [et_pb_section fb_built=”1″ admin_label=”Hero Section” _builder_version=”4.16″ _module_preset=”default” custom_padding=”0|0px|0px|0px” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” make_equal=”on” _builder_version=”4.17.1″ _module_preset=”default” width=”100%” max_width=”100%” custom_padding=”0px|0|0px|” use_custom_width=”on” width_unit=”off” custom_width_percent=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”200px|4%|200px|8%” custom_padding_tablet=”60px|10%|60px|10%” custom_padding_phone=”60px|10%|60px|10%” custom_padding_last_edited=”on|tablet” global_colors_info=”{}” padding_tablet=”60px|10%|60px|10%” padding_last_edited=”on|tablet” custom_padding__hover=”|||” padding_phone=”60px|10%|60px|10%”][et_pb_text admin_label=”Concierge Retirement Services” _builder_version=”4.17.1″ _module_preset=”default” text_font=”||||||||” header_font=”||||||||” header_3_font=”Karla|700||on|||||” header_3_text_color=”#aaadab” header_3_font_size=”16px” header_3_letter_spacing=”1px” background_layout=”dark” max_width=”600px” module_alignment=”left” custom_margin=”||20px|” locked=”off” global_colors_info=”{}”]Concierge Retirement Services[/et_pb_text][et_pb_text _builder_version=”4.18.0″ _module_preset=”default” text_font=”Karla||||||||” text_font_size=”18px”
- [Retirement Plans and Services](https://conciergeretirementservices.com/retirement-plans-and-services/) - [et_pb_section fb_built=”1″ admin_label=”Hero Section” _builder_version=”4.16″ _module_preset=”default” custom_padding=”0|0px|0px|0px” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” make_equal=”on” _builder_version=”4.17.1″ _module_preset=”default” width=”100%” max_width=”100%” custom_padding=”0px|0|0px|” use_custom_width=”on” width_unit=”off” custom_width_percent=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”200px|4%|200px|8%” custom_padding_tablet=”60px|10%|60px|10%” custom_padding_phone=”60px|10%|60px|10%” custom_padding_last_edited=”on|tablet” global_colors_info=”{}” padding_tablet=”60px|10%|60px|10%” padding_last_edited=”on|tablet” custom_padding__hover=”|||” padding_phone=”60px|10%|60px|10%”][et_pb_text admin_label=” A MULTITUDE OF SOLUTIONS” _builder_version=”4.17.1″ _module_preset=”default” text_font=”||||||||” header_font=”||||||||” header_3_font=”Karla|700||on|||||” header_3_text_color=”#aaadab” header_3_font_size=”16px” header_3_letter_spacing=”1px” background_layout=”dark” max_width=”600px” module_alignment=”left” custom_margin=”||20px|” locked=”off” global_colors_info=”{}”] A MULTITUDE OF SOLUTIONS[/et_pb_text][et_pb_text admin_label=”Retirement
- [Carolynn Trotta](https://conciergeretirementservices.com/meet-crs/carolynn-trotta/) - [et_pb_section fb_built=”1″ admin_label=”Hero Section” _builder_version=”4.16″ _module_preset=”default” custom_padding=”0|0px|0px|0px” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” make_equal=”on” _builder_version=”4.16″ _module_preset=”default” width=”100%” max_width=”100%” custom_padding=”0px|0|0px|||” use_custom_width=”on” width_unit=”off” custom_width_percent=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”200px|4%|200px|8%” custom_padding_tablet=”60px|10%|60px|10%” custom_padding_phone=”60px|10%|60px|10%” custom_padding_last_edited=”on|tablet” global_colors_info=”{}” padding_tablet=”60px|10%|60px|10%” padding_last_edited=”on|tablet” custom_padding__hover=”|||” padding_phone=”60px|10%|60px|10%”][et_pb_text admin_label=”Concierge Retirement Services” _builder_version=”4.17.1″ _module_preset=”default” text_font=”||||||||” header_font=”||||||||” header_3_font=”Karla|700||on|||||” header_3_text_color=”#aaadab” header_3_font_size=”16px” header_3_letter_spacing=”1px” background_layout=”dark” max_width=”600px” module_alignment=”left” custom_margin=”||20px|” locked=”off” global_colors_info=”{}”]Concierge Retirement Services[/et_pb_text][et_pb_text admin_label=”Carolynn Trotta” _builder_version=”4.17.6″ _module_preset=”default”
- [Frank Grande](https://conciergeretirementservices.com/meet-crs/frank-grande/) - [et_pb_section fb_built=”1″ admin_label=”Hero Section” _builder_version=”4.16″ _module_preset=”default” custom_padding=”0|0px|0px|0px” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” make_equal=”on” _builder_version=”4.16″ _module_preset=”default” width=”100%” max_width=”100%” custom_padding=”0px|0|0px|||” use_custom_width=”on” width_unit=”off” custom_width_percent=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”200px|4%|200px|8%” custom_padding_tablet=”60px|10%|60px|10%” custom_padding_phone=”60px|10%|60px|10%” custom_padding_last_edited=”on|tablet” global_colors_info=”{}” padding_tablet=”60px|10%|60px|10%” padding_last_edited=”on|tablet” custom_padding__hover=”|||” padding_phone=”60px|10%|60px|10%”][et_pb_text admin_label=”Concierge Retirement Services” _builder_version=”4.17.1″ _module_preset=”default” text_font=”||||||||” header_font=”||||||||” header_3_font=”Karla|700||on|||||” header_3_text_color=”#aaadab” header_3_font_size=”16px” header_3_letter_spacing=”1px” background_layout=”dark” max_width=”600px” module_alignment=”left” custom_margin=”||20px|” hover_enabled=”0″ locked=”off” global_colors_info=”{}” sticky_enabled=”0″]Concierge Retirement Services[/et_pb_text][et_pb_text admin_label=”Frank Grande”
- [Glossary](https://conciergeretirementservices.com/glossary/) - [et_pb_section fb_built=”1″ admin_label=”Hero Section” _builder_version=”4.16″ _module_preset=”default” custom_padding=”0|0px|0px|0px” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” make_equal=”on” _builder_version=”4.17.1″ _module_preset=”default” width=”100%” max_width=”100%” custom_padding=”0px|0|0px|” use_custom_width=”on” width_unit=”off” custom_width_percent=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”200px|4%|200px|8%” custom_padding_tablet=”60px|10%|60px|10%” custom_padding_phone=”60px|10%|60px|10%” custom_padding_last_edited=”on|tablet” global_colors_info=”{}” padding_tablet=”60px|10%|60px|10%” padding_last_edited=”on|tablet” custom_padding__hover=”|||” padding_phone=”60px|10%|60px|10%”][et_pb_text admin_label=”We Want To Help” _builder_version=”4.17.1″ _module_preset=”default” text_font=”||||||||” header_font=”||||||||” header_3_font=”Karla|700||on|||||” header_3_text_color=”#aaadab” header_3_font_size=”16px” header_3_letter_spacing=”1px” background_layout=”dark” max_width=”600px” module_alignment=”left” custom_margin=”||20px|” locked=”off” global_colors_info=”{}”]We Want To Help[/et_pb_text][et_pb_text admin_label=”Glossary” _builder_version=”4.18.0″
- [FAQs](https://conciergeretirementservices.com/faqs/) - [et_pb_section fb_built=”1″ admin_label=”Hero Section” _builder_version=”4.16″ _module_preset=”default” custom_padding=”0|0px|0px|0px” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” make_equal=”on” _builder_version=”4.17.1″ _module_preset=”default” width=”100%” max_width=”100%” custom_padding=”0px|0|0px|” use_custom_width=”on” width_unit=”off” custom_width_percent=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”200px|4%|200px|8%” custom_padding_tablet=”60px|10%|60px|10%” custom_padding_phone=”60px|10%|60px|10%” custom_padding_last_edited=”on|tablet” global_colors_info=”{}” padding_tablet=”60px|10%|60px|10%” padding_last_edited=”on|tablet” custom_padding__hover=”|||” padding_phone=”60px|10%|60px|10%”][et_pb_text admin_label=”Concierge Retirement Services” _builder_version=”4.17.1″ _module_preset=”default” text_font=”||||||||” header_font=”||||||||” header_3_font=”Karla|700||on|||||” header_3_text_color=”#aaadab” header_3_font_size=”16px” header_3_letter_spacing=”1px” background_layout=”dark” max_width=”600px” module_alignment=”left” custom_margin=”||20px|” locked=”off” global_colors_info=”{}”]Concierge Retirement Services[/et_pb_text][et_pb_text admin_label=”FAQs” _builder_version=”4.17.1″ _module_preset=”default” text_font=”Karla||||||||”
- [Defined Contribution Plans](https://conciergeretirementservices.com/defined-contribution-plans/) - [et_pb_section fb_built=”1″ admin_label=”Hero Section” _builder_version=”4.16″ _module_preset=”default” custom_padding=”0|0px|0px|0px” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.17.1″ _module_preset=”default” width=”100%” max_width=”100%” custom_padding=”0px|0|0px|” use_custom_width=”on” width_unit=”off” custom_width_percent=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”200px|8%|260px|8%” custom_padding_tablet=”80px|10%|80px|10%” custom_padding_phone=”80px|10%|80px|10%” custom_padding_last_edited=”on|tablet” global_colors_info=”{}” padding_tablet=”80px|10%|80px|10%” padding_last_edited=”on|tablet” custom_padding__hover=”|||” padding_phone=”80px|10%|80px|10%”][et_pb_text admin_label=”Specialized Options” _builder_version=”4.17.1″ _module_preset=”default” text_font=”||||||||” header_font=”||||||||” header_3_font=”Karla|700||on|||||” header_3_text_color=”#aaadab” header_3_font_size=”16px” header_3_letter_spacing=”1px” background_layout=”dark” max_width=”600px” module_alignment=”left” custom_margin=”||20px|” locked=”off” global_colors_info=”{}”]Specialized Options[/et_pb_text][et_pb_text admin_label=”Types of Retirement Plans” _builder_version=”4.17.1″ _module_preset=”default” text_font=”Karla||||||||”
- [Defined Benefits Plans](https://conciergeretirementservices.com/defined-benefits-plans/) - [et_pb_section fb_built=”1″ admin_label=”Hero Section” _builder_version=”4.16″ _module_preset=”default” custom_padding=”0|0px|0px|0px” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.17.1″ _module_preset=”default” width=”100%” max_width=”100%” custom_padding=”0px|0|0px|” use_custom_width=”on” width_unit=”off” custom_width_percent=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”200px|8%|260px|8%” custom_padding_tablet=”80px|10%|80px|10%” custom_padding_phone=”80px|10%|80px|10%” custom_padding_last_edited=”on|tablet” global_colors_info=”{}” padding_tablet=”80px|10%|80px|10%” padding_last_edited=”on|tablet” custom_padding__hover=”|||” padding_phone=”80px|10%|80px|10%”][et_pb_text admin_label=”Specialized Options” _builder_version=”4.17.1″ _module_preset=”default” text_font=”||||||||” header_font=”||||||||” header_3_font=”Karla|700||on|||||” header_3_text_color=”#aaadab” header_3_font_size=”16px” header_3_letter_spacing=”1px” background_layout=”dark” max_width=”600px” module_alignment=”left” custom_margin=”||20px|” locked=”off” global_colors_info=”{}”]Specialized Options[/et_pb_text][et_pb_text admin_label=”Defined Benefits Plans” _builder_version=”4.17.1″ _module_preset=”default” text_font=”Karla||||||||” text_font_size=”18px”
- [Deadlines and Instructions](https://conciergeretirementservices.com/deadlines-and-instructions/) - Concierge Retirement Services' team of dedicated professionals have provided the following table on tax deadlines and instructions as a handy reference.
- [Core Values](https://conciergeretirementservices.com/core-values/) - It all comes down to caring, integrity and trust. Concierge Retirement Services' number one Core Value is based on the word CARE: Deeply CARING about YOU and your outcomes.
- [Careers and Internships](https://conciergeretirementservices.com/careers-and-internships/) - [et_pb_section fb_built=”1″ admin_label=”Hero Section” _builder_version=”4.16″ _module_preset=”default” custom_padding=”0|0px|0px|0px” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” make_equal=”on” _builder_version=”4.17.1″ _module_preset=”default” width=”100%” max_width=”100%” custom_padding=”0px|0|0px|” use_custom_width=”on” width_unit=”off” custom_width_percent=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”200px|4%|200px|8%” custom_padding_tablet=”60px|10%|60px|10%” custom_padding_phone=”60px|10%|60px|10%” custom_padding_last_edited=”on|tablet” global_colors_info=”{}” padding_tablet=”60px|10%|60px|10%” padding_last_edited=”on|tablet” custom_padding__hover=”|||” padding_phone=”60px|10%|60px|10%”][et_pb_text admin_label=”Investing in the Future” _builder_version=”4.17.1″ _module_preset=”default” text_font=”||||||||” header_font=”||||||||” header_3_font=”Karla|700||on|||||” header_3_text_color=”#aaadab” header_3_font_size=”16px” header_3_letter_spacing=”1px” background_layout=”dark” max_width=”600px” module_alignment=”left” custom_margin=”||20px|” locked=”off” global_colors_info=”{}”]Investing in the Future[/et_pb_text][et_pb_text admin_label=”Careers and
- [Legal Information](https://conciergeretirementservices.com/legal-information/) - [et_pb_section fb_built=”1″ admin_label=”Hero Section” _builder_version=”4.16″ _module_preset=”default” custom_padding=”0|0px|0px|0px” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” make_equal=”on” _builder_version=”4.17.1″ _module_preset=”default” width=”100%” max_width=”100%” custom_padding=”0px|0|0px|” use_custom_width=”on” width_unit=”off” custom_width_percent=”100%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”200px|4%|200px|8%” custom_padding_tablet=”60px|10%|60px|10%” custom_padding_phone=”60px|10%|60px|10%” custom_padding_last_edited=”on|tablet” global_colors_info=”{}” padding_tablet=”60px|10%|60px|10%” padding_last_edited=”on|tablet” custom_padding__hover=”|||” padding_phone=”60px|10%|60px|10%”][et_pb_text admin_label=”Preserving the Future” _builder_version=”4.17.1″ _module_preset=”default” text_font=”||||||||” header_font=”||||||||” header_3_font=”Karla|700||on|||||” header_3_text_color=”#aaadab” header_3_font_size=”16px” header_3_letter_spacing=”1px” background_layout=”dark” max_width=”600px” module_alignment=”left” custom_margin=”||20px|” locked=”off” global_colors_info=”{}”]Protecting Your Information[/et_pb_text][et_pb_text admin_label=”Privacy Policy” _builder_version=”4.17.1″ _module_preset=”default”
- [CSR - Construction](https://conciergeretirementservices.com/csr-construction/) - [et_pb_section fb_built=”1″ admin_label=”Services” _builder_version=”4.16″ _module_preset=”default” custom_padding=”90px|0px|90px|0px” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.16″ _module_preset=”default” max_width=”1440px” custom_margin=”||50px|” use_custom_width=”on” custom_width_px=”1440px” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https://conciergeretirementservices.com/wp-content/uploads/2022/05/John-Pierpont-Morgan-1902-800.jpg” title_text=”John-Pierpont-Morgan-1902-800″ align_tablet=”center” align_phone=”center” align_last_edited=”on|desktop” admin_label=”JP Morgan Picture” _builder_version=”4.17.1″ _module_preset=”default” max_width_last_edited=”off|desktop” custom_margin=”|||” custom_margin_tablet=”60px|60px|60px|60px” custom_margin_last_edited=”off|desktop” custom_padding=”|||” animation_style=”slide” animation_direction=”left” animation_intensity_slide=”4%” box_shadow_style=”preset3″ box_shadow_blur=”80px” global_colors_info=”{}”][/et_pb_image][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.17.1″ _module_preset=”default” text_font=”||||||||” header_font=”||||||||” header_3_font=”Karla|700||on|||||” header_3_text_color=”#aaa9ad” header_3_font_size=”16px”

## Categories

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