March’s employee memo is a reminder that some employee may be eligible for a valuable incentive, which could reduce your federal income tax liability, for contributing to your company’s 401(k) or 403(b) plan. If you qualify, you may receive a Tax Saver’s Credit of up to $1,000 ($2,000 for married couples filing jointly) if you made eligible contributions to an employer sponsored retirement savings plan. The deduction is claimed in the form of a non-refundable tax credit, ranging from 10% to 50% of your annual contribution. March 2015 Employee Memo
March Retirement Times
Traditionally safe harbor contributions have been rather stringent in the sense that once adopted, there seemed to be little leeway allowing suspension or discontinuance. In 2014, the IRS issued new, final regulations of the requirements that need to be met to reduce or suspend a safe harbor contribution during a plan year. The new regulations are effective for plan years beginning on or after January 1, 2015. If the plan year is the calendar year, the new regulations apply now.
Under the new regulations, a safe harbor match or safe harbor non-elective contribution may be suspended or reduced midyear in two instances: March 2015
What is Roth 401k?
Elective deferral contributions to a traditional retirement plan are contributed on a pre-tax basis and help lower your current taxable income. Roth elective deferral contributions, however, are much like a Roth IRA in that contributions are made on an after-tax basis. Feb 2015 Employee Memo
February Retirement Times
Since June, oil prices have fallen to a six-year low, down over 50% from when Brent crude hit a 2014 high of $115 a barrel. Prices began their swoon mid-year as global supply outstripped global demand. The demand side of the equation weakened as a result of the economic woes of Europe and Asia, increased fuel efficiency and a trend toward alternative fuel sources. On the supply side, the largest variable has been increased U.S. production, up about 50% since 2008 and largely driven by a boom in shale production. Oil prices tumbled further in late November when the Organization of Petroleum Exporting Countries (OPEC) members decided not to curb production. Many observers believe OPEC has an agenda to drive marginal U.S. shale producers out of business by keeping prices low. February 2015
What Happens to my Retirement Plan if I Leave my Company?
How you choose to handle your retirement plans when you change jobs will have a lasting impact on the size of your nest egg and ultimately on the type of retirement you can enjoy. January 2015 Employee Memo
January Retirement Times
As we enter the New Year, many qualified retirement plan sponsors use this time as an opportunity to examine current fiduciary structure and processes to ensure all is in order.
Whether or not your organization’s retirement plans have been recently audited by the Department of Labor and/or Internal Revenue Service, it is advisable to be sure your plans will hold up under such audit and/or plan participant scrutiny, and that the proper protections for the Company and its designated fiduciaries are in place.
When reviewing your current fiduciary structure, policies and procedures, we suggest the following considerations: January 2015
4th Quarter Newsletter 12/31/2014
“Headline News Causes Market Turmoil”! I guess that’s why they have headlines. As the New Year unfolds, the price of oil has dropped almost 50% from its peak 2014 price of over $110 a barrel. It’s presently under $50 a barrel. I say “presently” as even lower prices appear to be possible. The last time oil was anywhere near this price was back in early 2009. We were in the midst of a financial market meltdown as the world was in the midst of the worst recession since the Great Depression. We’re not in a recession anymore, at least not in the United States. Newsletter 12-31-2014
One Is All You Need.
December’s Employee Memo is a friendly handout about Target Date funds. “You only need to select one target date fund (TDF) to have a diversified portfolio. Each fund is designed as a stand-alone investment portfolio with an asset allocation that automatically rebalances over time, based on a planned retirement date that coincides with the year indicated in the TDF. Please have them call us if they have any questions or need anything. December 2014 Employee Memo
December Retirement Times
On behalf of the Management Team at TP Investment Advisory, it is my pleasure to extend you the greetings of this special season. It is certainly one of my favorite times of year, and the perfect opportunity to express our gratitude to you for selecting TP Investment Advisory as your committed consultant. As I look forward to a new year and the hope it brings, I look back as well on our achievements in 2014, and the degree to which we accomplished our primary goals – protecting you as a fiduciary and helping your plan participants prepare for a meaningful retirement. Congratulations for all that you accomplished in 2014. We remain fiercely proud of being your dedicated Retirement Plan Consultant.
As we do each December, this month’s Retirement Times highlights “excerpts” from issues published in 2014. Please contact us with any questions or feedback; we look forward to serving you in 2015! December 2014
Target-Date Funds are the Cruise Control of Investing
Target-date, or life cycle, funds are the cruise control of investing. After you choose which fund to invest in, the fund does all the work for you. You don’t have to think about it again until retirement.
Many target-date mutual funds are funds of funds. They hold a selection of equity funds, such as large-cap, small-cap and international funds, and a selection of fixed-income funds of multiple durations and yields.
The appeal of target-date funds is that they take care of all the asset allocation and rebalancing for you. It’s a balancing act of managing market risk, inflation risk and longevity risk. See Target Date Funds
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