July 19 2017

5 Reasons Why You Need to Revisit Your 401(k) Plan Design

Are you guilty of having a 401(k) plan but can’t remember plan design or investment menu? If you answered yes, you are not alone. Many plan sponsors let their plan run on autopilot once it’s up and running, but it may be time to rethink your position...

July 05 2017

Top-Heavy Retirement Plan: A Weighty Subject to Tackle


June 01 2017

Calculating Sole Proprietor Earned Income Will Leave You in Circles

Recently, we wrote about the challenges of determining retirement plan compensation for owners of S Corporations.  Today, we will take a look at how plan compensation for sole proprietors is determined.  The task is a bit harder for sole proprietors ...

May 12 2017

Measuring Service in Pensions: Something They Didn’t Teach in Nursery School

Do you remember any songs from nursery school?  I remember one that went something like this:  "It’s time, time, time. It’s tickety time to tell time. And if you didn’t know what time it was, You’d have the most horrible, simply deplorable Tickety-to...

May 10 2017

Tips for Virginia Dental Practice Owners to Save More in Taxes Through 401(k) Plan Design

Owning a dental practice can be very lucrative, but achieving financial success is not an easy road for dentists.

April 19 2017

Retirement Plan Compensation in an S Corp: What Counts, What Doesn’t

How much money do you make?  How much did you make last year?  For most of us, that is a fairly easy question.  If you don’t know offhand, you can pull out a pay stub, tax return, or Form W-2 and get the answer. 

February 23 2017

A Deeper Look at Cross-Testing

This is Part 2 in a two-part series on the mechanics of cross-testing. 

February 16 2017

EBARs: The First Step in Cross-Testing

This is Part 1 in a two-part series on the mechanics of cross-testing. 

December 02 2016

11 Things You May or May Not Know About Family Attribution

When you own a business and sponsor a qualified retirement plan, there are times you may wish you weren’t the owner.  Being an owner may make you a Highly Compensated Employee (HCE) or a key employee, thus restricting your benefits or forcing you to ...

December 01 2016

401(k) Plan Fees and Expenses: What Plan Sponsors Should Know

401(k) plan fees and expenses are a fact of life for plan sponsors and participants. Like any service provider, 401(k) providers must be compensated for their services. This compensation comes in the form of 401(k) plan fees.