--- title: ACG Blog | Joné E. Liuzza, ERPA, QPA, QKA description: "Joné E. Liuzza, ERPA, QPA, QKA\nDirector of TPA Services" --- [![acg-logo-header.png](https://blog.acgworldwide.com/hs-fs/hubfs/acg-logo-header.png?width=123&name=acg-logo-header.png "acg-logo-header.png")](http://www.acgworldwide.com/) - [Who We Are](http://www.acgworldwide.com/about-acg/) - [Selected Staff Bios](http://www.acgworldwide.com/selected-staff-bios/) - [Culture and Philosophy](http://www.acgworldwide.com/culture-and-philosophy/) - [Advisory Board Members](http://www.acgworldwide.com/advisory-board-members/) - [What We Do](http://www.acgworldwide.com/our-services/) - [Wealth Management](http://www.acgworldwide.com/wealth-management/) - [Investment Advisory](http://www.acgworldwide.com/investment-advisory-services/) - [Third Party Administration](http://www.acgworldwide.com/third-party-administration/) - [Retirement Plan Consulting](http://www.acgworldwide.com/401k/) - [Financial Planning Services](http://www.acgworldwide.com/financial-planning-services/) - [Tax Strategies](http://www.acgworldwide.com/tax-strategies/) - [Who We Help](http://www.acgworldwide.com/our-clients/) - [Businesses](http://www.acgworldwide.com/businesses/) - [Entrepreneurs](http://www.acgworldwide.com/entrepreneurs/) - [Individuals and Families](http://www.acgworldwide.com/successful-individuals-and-families/) - [Foundations and Endowments](http://www.acgworldwide.com/foundations-and-endowments/) - [Press & Resources](http://www.acgworldwide.com/acg-live/) - [Blog](http://www.acgworldwide.com/blog/) - [Company News](http://www.acgworldwide.com/company-news/) - [CBS 6 News Market Briefs](http://www.acgworldwide.com/company-news/bill-fitzgerald-of-cbs-6-news-interviews-with-sandy-wiggins/) - [Monthly Investor Insights](https://blog.acgworldwide.com/topic/monthly-insights) - [Quarterly Commentary](http://www.acgworldwide.com/commentary/) - [Cost of Living Adjustments](http://www.acgworldwide.com/colas-and-limits/) - [Important Disclosures](http://www.acgworldwide.com/acg-live/website-disclosure/) - [Contact Us](http://www.acgworldwide.com/contact-us/) [![Richmond Virginia](https://blog.acgworldwide.com/hs-fs/hubfs/ACG_June2016/images/ACGLogo_KOHi.png?width=280&height=112&name=ACGLogo_KOHi.png "Richmond Virginia")](http://www.acgworldwide.com/) ![banner2.jpg](https://blog.acgworldwide.com/hs-fs/hubfs/ACG_June2016/images/banners/banner2.jpg?width=810&name=banner2.jpg "banner2.jpg") # ACG Blog ## Joné E. Liuzza, ERPA, QPA, QKA ![](https://blog.acgworldwide.com/hubfs/Jone_Photo19.jpg) Joné E. Liuzza, ERPA, QPA, QKA Director of TPA Services ### Recent Posts May 26 2022 ## [Which Plan Design is Right for You?](https://blog.acgworldwide.com/which-plan-design-is-right-for-you) Posted by [Joné E. Liuzza, ERPA, QPA, QKA](https://blog.acgworldwide.com/author/joné-e-liuzza-erpa-qpa-qka) in [401(k)](https://blog.acgworldwide.com/topic/401k), [Retirement](https://blog.acgworldwide.com/topic/retirement), [cross-tested](https://blog.acgworldwide.com/topic/cross-tested), [retirement plan](https://blog.acgworldwide.com/topic/retirement-plan), [qualified plan](https://blog.acgworldwide.com/topic/qualified-plan) with [No Comments](https://blog.acgworldwide.com/which-plan-design-is-right-for-you#comments-listing) Many years ago, along with the birth of ERISA (Employee Retirement Income Security Act), a famous “rock” group posed a great question with the song lyrics “What’s The World Coming To?” With all that’s happening today, the question may now be apropos ... October 07 2020 ## [Top 10 Items Discuss with Your 401(k) Provider](https://blog.acgworldwide.com/top-10-items-discuss-with-your-401k-provider) Posted by [Joné E. Liuzza, ERPA, QPA, QKA](https://blog.acgworldwide.com/author/joné-e-liuzza-erpa-qpa-qka) in [Investments](https://blog.acgworldwide.com/topic/investments), [Financial Planning](https://blog.acgworldwide.com/topic/financial-planning) with [No Comments](https://blog.acgworldwide.com/top-10-items-discuss-with-your-401k-provider#comments-listing) As a business owner and entrepreneur, you are constantly being pulled in several different directions. You have a 401(k) plan in place as a robust benefit for your employees and rely on your Third Party Administrator (TPA) to help keep your plan comp... February 27 2020 ## [Why Did We Fail Our ADP Test?](https://blog.acgworldwide.com/why-did-we-fail-our-adp-test) Posted by [Joné E. Liuzza, ERPA, QPA, QKA](https://blog.acgworldwide.com/author/joné-e-liuzza-erpa-qpa-qka) in [401(k)](https://blog.acgworldwide.com/topic/401k), [participant loan](https://blog.acgworldwide.com/topic/participant-loan) with [No Comments](https://blog.acgworldwide.com/why-did-we-fail-our-adp-test#comments-listing) What does it mean when a plan fails its ADP test? An ADP test, Actual Deferral Percentage, is a discrimination test required by the law to ensure that the Highly Compensated Employees (HCEs) are not deferring at a much higher rate than the Non-Highly... December 26 2019 ## [Five Best Practices to Protect Your Retirement Nest Egg from Cybertheft](https://blog.acgworldwide.com/five-best-practices-to-protect-your-retirement-nest-egg-from-cybertheft) Posted by [Joné E. Liuzza, ERPA, QPA, QKA](https://blog.acgworldwide.com/author/joné-e-liuzza-erpa-qpa-qka) in [401(k)](https://blog.acgworldwide.com/topic/401k), [Retirement](https://blog.acgworldwide.com/topic/retirement), [Wealth Management](https://blog.acgworldwide.com/topic/wealth-management), [Financial Planning](https://blog.acgworldwide.com/topic/financial-planning) with [No Comments](https://blog.acgworldwide.com/five-best-practices-to-protect-your-retirement-nest-egg-from-cybertheft#comments-listing) I remember when I was 10, there was no such thing as a debit card. In fact, growing up in the ‘80s meant no internet, no PayPal, no direct deposit or any type of remote banking. While they make things extremely efficient and easy for us, these techno... September 11 2019 ## [Three Things You Should Be Doing as a Plan Sponsor](https://blog.acgworldwide.com/three-things-you-should-be-doing-as-a-plan-sponse) Posted by [Joné E. Liuzza, ERPA, QPA, QKA](https://blog.acgworldwide.com/author/joné-e-liuzza-erpa-qpa-qka) in [401(k)](https://blog.acgworldwide.com/topic/401k), [Retirement](https://blog.acgworldwide.com/topic/retirement), [Third Party Administration](https://blog.acgworldwide.com/topic/third-party-administration), [TPA](https://blog.acgworldwide.com/topic/tpa), [fiduciary obligation](https://blog.acgworldwide.com/topic/fiduciary-obligation) with [No Comments](https://blog.acgworldwide.com/three-things-you-should-be-doing-as-a-plan-sponse#comments-listing) If you sponsor a 401(k) plan, you are likely working with great partners. You probably work with an advisor who maintains the investment lineup. You are also probably working with a Third Party Administrator (TPA) who handles the daily administration... June 12 2019 ## [401(k) Word Search](https://blog.acgworldwide.com/401-k-fun-word-search) Posted by [Joné E. Liuzza, ERPA, QPA, QKA](https://blog.acgworldwide.com/author/joné-e-liuzza-erpa-qpa-qka) in [401(k)](https://blog.acgworldwide.com/topic/401k) with [No Comments](https://blog.acgworldwide.com/401-k-fun-word-search#comments-listing) Hello summer. I have teenage girls so summer arrives with an energy in my house that is filled with sleepovers, karaoke, ice cream and late night laughter. Summer is a season where people slow down a bit to catch their breath. In a world so busy with... May 08 2019 ## [What to Know about Your 401(k) Plan](https://blog.acgworldwide.com/what-to-know-your-401k-plan) Posted by [Joné E. Liuzza, ERPA, QPA, QKA](https://blog.acgworldwide.com/author/joné-e-liuzza-erpa-qpa-qka) in [401(k)](https://blog.acgworldwide.com/topic/401k), [Retirement](https://blog.acgworldwide.com/topic/retirement), [defined contribution](https://blog.acgworldwide.com/topic/defined-contribution) with [No Comments](https://blog.acgworldwide.com/what-to-know-your-401k-plan#comments-listing) We all know the saying Knowledge is Power. This quote hits the mark when it comes to retirement plans – for both the participant and plan sponsor. Being equally important, I will discuss what you should know about your plan from both perspectives. Pl... March 20 2019 ## [Considerations Before Excluding Bonuses in 401(k)](https://blog.acgworldwide.com/revised-considerations-before-excluding-bonuses-401k) Posted by [Joné E. Liuzza, ERPA, QPA, QKA](https://blog.acgworldwide.com/author/joné-e-liuzza-erpa-qpa-qka) in [401(k)](https://blog.acgworldwide.com/topic/401k), [defined contribution](https://blog.acgworldwide.com/topic/defined-contribution) with [No Comments](https://blog.acgworldwide.com/revised-considerations-before-excluding-bonuses-401k#comments-listing) During the implementation a 401(k) plan, a retirement plan consultant sits with the plan sponsor and explains the various plan design options. There is a lot of flexibility offered, but some provisions carry a level of risk that is greater than other... December 12 2018 ## [What’s the Big Change with 401(k) Hardships?](https://blog.acgworldwide.com/whats-big-change-401k-hardships) Posted by [Joné E. Liuzza, ERPA, QPA, QKA](https://blog.acgworldwide.com/author/joné-e-liuzza-erpa-qpa-qka) in [401(k)](https://blog.acgworldwide.com/topic/401k), [hardship](https://blog.acgworldwide.com/topic/hardship) with [No Comments](https://blog.acgworldwide.com/whats-big-change-401k-hardships#comments-listing) On February 9, 2018, the Bipartisan Budget Act of 2018 was passed into law, which ended the government shutdown by raising the debt ceiling for the next two years. Sandwiched deep within were changes to rules that govern hardship distributions in 401... October 10 2018 ## [Participant Loans: Are They Right for Your Plan?](https://blog.acgworldwide.com/participant-loans-are-they-right-for-your-plan-) Posted by [Joné E. Liuzza, ERPA, QPA, QKA](https://blog.acgworldwide.com/author/joné-e-liuzza-erpa-qpa-qka) in [401(k)](https://blog.acgworldwide.com/topic/401k), [defined contribution](https://blog.acgworldwide.com/topic/defined-contribution) with [No Comments](https://blog.acgworldwide.com/participant-loans-are-they-right-for-your-plan-#comments-listing) There was a time when a good friend convinced me to go with a car lease instead of a purchase. I never had leased a car, but she pointed out all of the great reasons why leasing was better. I ran out and leased a high-end SUV for three years. When my... 1 [2](https://blog.acgworldwide.com/author/joné-e-liuzza-erpa-qpa-qka/page/2) [Next »](https://blog.acgworldwide.com/author/joné-e-liuzza-erpa-qpa-qka/page/2) [All posts](https://blog.acgworldwide.com/all) ### Subscribe to Email Updates ### Posts by Topic - [401(k) (105)](https://blog.acgworldwide.com/topic/401k) - [Retirement (105)](https://blog.acgworldwide.com/topic/retirement) - [Monthly Insights (80)](https://blog.acgworldwide.com/topic/monthly-insights) - [Financial Planning (62)](https://blog.acgworldwide.com/topic/financial-planning) - [Investments (50)](https://blog.acgworldwide.com/topic/investments) - [Wealth Management (37)](https://blog.acgworldwide.com/topic/wealth-management) - [Market Performance (28)](https://blog.acgworldwide.com/topic/market-performance) - [defined contribution (21)](https://blog.acgworldwide.com/topic/defined-contribution) - [Tax Strategy (16)](https://blog.acgworldwide.com/topic/tax-strategy) - [defined benefit (16)](https://blog.acgworldwide.com/topic/defined-benefit) - [retirement plan (10)](https://blog.acgworldwide.com/topic/retirement-plan) - [Compilation (9)](https://blog.acgworldwide.com/topic/compilation) - [covid-19 (6)](https://blog.acgworldwide.com/topic/covid-19) - [qualified plan (6)](https://blog.acgworldwide.com/topic/qualified-plan) - [Asset Allocation (5)](https://blog.acgworldwide.com/topic/asset-allocation) - [distribution planning (5)](https://blog.acgworldwide.com/topic/distribution-planning) - [irs (5)](https://blog.acgworldwide.com/topic/irs) - [Third Party Administration (4)](https://blog.acgworldwide.com/topic/third-party-administration) - [participant loan (4)](https://blog.acgworldwide.com/topic/participant-loan) - [pbgc (4)](https://blog.acgworldwide.com/topic/pbgc) - [secure act (4)](https://blog.acgworldwide.com/topic/secure-act) - [TPA (3)](https://blog.acgworldwide.com/topic/tpa) - [defined benefit funding (3)](https://blog.acgworldwide.com/topic/defined-benefit-funding) - [fiduciary obligation (3)](https://blog.acgworldwide.com/topic/fiduciary-obligation) - [options (3)](https://blog.acgworldwide.com/topic/options) - [social security (3)](https://blog.acgworldwide.com/topic/social-security) - [IRA (2)](https://blog.acgworldwide.com/topic/ira) - [Roth (2)](https://blog.acgworldwide.com/topic/roth) - [SEP (2)](https://blog.acgworldwide.com/topic/sep) - [SIMPLE (2)](https://blog.acgworldwide.com/topic/simple) - [combo plan (2)](https://blog.acgworldwide.com/topic/combo-plan) - [coronavirus (2)](https://blog.acgworldwide.com/topic/coronavirus) - [cross-tested (2)](https://blog.acgworldwide.com/topic/cross-tested) - [70 1/2 (1)](https://blog.acgworldwide.com/topic/70-1-2) - [ADP test (1)](https://blog.acgworldwide.com/topic/adp-test) - [Case Study (1)](https://blog.acgworldwide.com/topic/case-study) - [Donor Advised Fund (1)](https://blog.acgworldwide.com/topic/donor-advised-fund) - [RMD (1)](https://blog.acgworldwide.com/topic/rmd) - [SECURE 2.0 (1)](https://blog.acgworldwide.com/topic/secure-2-0) - [alternative defined contribution plan (1)](https://blog.acgworldwide.com/topic/alternative-defined-contribution-plan) - [beneficiary (1)](https://blog.acgworldwide.com/topic/beneficiary) - [cash balance (1)](https://blog.acgworldwide.com/topic/cash-balance) - [catch-up contribution (1)](https://blog.acgworldwide.com/topic/catch-up-contribution) - [collars (1)](https://blog.acgworldwide.com/topic/collars) - [contribution (1)](https://blog.acgworldwide.com/topic/contribution) - [death (1)](https://blog.acgworldwide.com/topic/death) - [deductions (1)](https://blog.acgworldwide.com/topic/deductions) - [epcrs (1)](https://blog.acgworldwide.com/topic/epcrs) - [form 5500 (1)](https://blog.acgworldwide.com/topic/form-5500) - [funding deadline (1)](https://blog.acgworldwide.com/topic/funding-deadline) - [hardship (1)](https://blog.acgworldwide.com/topic/hardship) - [integrated (1)](https://blog.acgworldwide.com/topic/integrated) - [interval funds (1)](https://blog.acgworldwide.com/topic/interval-funds) - [late deposits (1)](https://blog.acgworldwide.com/topic/late-deposits) - [mega backdoor roth ira (1)](https://blog.acgworldwide.com/topic/mega-backdoor-roth-ira) - [mistake of fact (1)](https://blog.acgworldwide.com/topic/mistake-of-fact) - [nonspouse (1)](https://blog.acgworldwide.com/topic/nonspouse) - [pension (1)](https://blog.acgworldwide.com/topic/pension) - [plan termination (1)](https://blog.acgworldwide.com/topic/plan-termination) - [put writing (1)](https://blog.acgworldwide.com/topic/put-writing) - [required minimum distribution (1)](https://blog.acgworldwide.com/topic/required-minimum-distribution) - [roth ira (1)](https://blog.acgworldwide.com/topic/roth-ira) - [successor plan (1)](https://blog.acgworldwide.com/topic/successor-plan) - [vcp (1)](https://blog.acgworldwide.com/topic/vcp) see all #### Phone: 800-231-6409 or 804-323-1886 | Fax: 804-323-1889 ©2026 ACG Worldwide. 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