James Brown III, MBA, CLTC

A recent Case of the Week discusses a common question on mandatory Roth 401(k) catch-up contribution requirements. Our consultants recently received this question from an advisor in Pennsylvania. The question: “How do the rules requiring mandatory Roth 401(k) catch-up contributions for high earners affect when a plan corrects an actual deferral percentage (ADP) testing failure?” Key Takeaways: When there is both an ADP and a Roth catch-up failure under IRC §414(v)(7), the order of correction matters. Discover more about the pivotal role you play as a financial professional in guiding clients through retirement plan complexities. Read the full article: https://hubs.la/Q041CF690

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Here's a practical guide for #plansponsors navigating compliance and implementation for Roth Catch-Ups required in 2026: https://lnkd.in/ep9CKGpC #Roth401K #RetirementPlanning #RothCatchUp #PlanAdministration

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Fee compression is real, but it doesn’t have to shrink your margins. Advisors who embrace tech, diversify services, and focus on client relationships can turn pressure into growth. Learn 4 practical strategies to protect profitability and keep clients happy.

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New Roth rules for catch-up contributions are here. Beginning in 2026, employees age 50+ earning more than $145,000 in FICA wages must make catch-up contributions on a Roth basis. This change impacts sponsors, participants, and plan operations. Advisors can help clients prepare by reviewing plan provisions and educating participants now. Our one-pager outlines what you need to know. #SecureAct2 #RothCatchUp #FinancialAdvisors #RetirementPlans

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When we asked financial advisors what was important to them we were met with a resounding response, deliver an outstanding experience for our clients. Being able to deliver this experience for clients when it comes to retirement plans can, more often than not, depend on your TPA partner. How do you determine who is that right partner for you? There is a simple easy to use tool available at your finger tips - the ARA's TPA Assessment Checklist! Head over to website to download a PDF: https://lnkd.in/gaVJdSfR The American Retirement Association's TPA Assessment Checklist is the perfect place to start your process of finding the right TPA partnership. The TPA Assessment Checklist was developed by a group of compliance administrators who are members of the American Society of Pension Professionals and Actuaries along with a financial advisor who focuses on servicing retirement plans and is a member of the American Society of Pension Professionals and Actuaries sister organization the National Association of Plan Advisors. Another wonderful video from Idea Decanter! The Cerrado Group Shannon Edwards #FinancialAdvisors #PlanSponsor #401k

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As a retirement plan advisor dedicated to supporting plan sponsors, staying informed about legislative and regulatory changes is crucial. Nevin Adams' recent article in the National Association of Plan Advisors publication, "Top Retirement Plan Legislative, Regulatory Issues for the New Administration," offers valuable insights into the evolving landscape.​ Adams highlights several key areas that demand our attention:​ 🥇 ​ERISA Litigation Risks: An increase in lawsuits emphasizes the need for meticulous fiduciary practices.​ ​ 🥈 SECURE 2.0 Implementation: Understanding and applying new provisions can enhance plan effectiveness.​ ​🥉 Regulatory Shifts: Anticipating changes from the Department of Labor and IRS ensures compliance and readiness.​ These developments underscore the importance of proactive plan management. I encourage plan sponsors to read the full article to better navigate these challenges and opportunities.​ Read the full article here: https://lnkd.in/eNpznFR5 #RetirementPlans #ERISACompliance #SECURE2.0 #PlanSponsors #FiduciaryResponsibility

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Retirement isn’t static - and neither should your decumulation planning be. Clients need different strategies across the stages of retirement.  These can range from using natural income funds in early retirement, hybrid strategies with annuities and growth elements mid-retirement, or a more stable structure with lower-risk income solutions later in life. Explore further options for each stage of retirement in our guide, ‘Investment choices for clients in decumulation’: https://lnkd.in/dRhzFu_8 #CanadaLifeAssetManagement #RetirementSolutions #Decumulation #FinancialPlanning

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