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The student loan match

I graduated from school in 1998. 2023 was the year that all my loans were paid off, loans that were...

Fidelity adds annuity option

Fidelity is offering a new solution, that will allow employees to convert all or a portion of their...

Reduce expenses and then re-allocate for forfeitures

The practice of forfeitures in 401(k) plans was to reallocate or reduce contributions. Then languag...

The problem with Bitcoin ETFs

Until they say otherwise, the Department of Labor (DOL) doesn’t want to see crypto in 401(k) plan...

Why would any employer do this?

SECURE 2.0 allows employers the opportunity to offer matching contributions and profit-sharing cont...

The De Minimis incentive rule

When I was in college, I would run events, and one of the ways to do it, was free food. A slice of ...

Some of these SECURE options won’t be popular

Years ago, legislation allowed a sidecar IRA account where participants could add an IRA contributi...

401(k) plans didn’t kill DB plans

Recently, an economist blamed 401(k) plans for the retirement crisis in this country and I’ve hea...

IRS pushes back on amendment deadlines

The IRS announced that the amendment deadline for most qualified retirement plans, including 401(k)...

Bitcoin in 401(k) plans is eventually going to happen

Timing is everything in life. When plan providers were trying to push Crypto in 401(k) plans, it to...