Retirement Planning and Related Employee Benefits Planning

Financial analyses, Social Security planning, types and provisions of retirement plans, distribution rules and strategies, taxation of retirement assets.

Here are the topics covered in the Retirement Planning section:

 

  • Retirement needs analysis: Assumptions for retirement planning
  • Financial needs
    • Living costs
    • Charitable and beneficiary gifting objectives
    • Medical costs, including long-term care needs analysis
    • Other retirement funding needs (trust and foundation funding, education funding, etc.)
    • Straight-line returns vs. probability analysis
    • Pure annuity vs. capital preservation
    • Alternatives to compensate for projected cash-flow shortfalls
  • Social Security (Old age, Survivor, and Disability Insurance, OASDI)
    • Paying into the system
    • Eligibility and benefit
    • Social Security Retirement Benefits
    • Frequently Asked Questions Regarding Social Security Retirement Benefits
    • Paying back past Social Security retirement benefits to increase ongoing or future retirment benefits
    • Social Security Disability
    • Social Security Survivor Benefits
    • Family limitations
    • How benefits are calculated
    • Working after retirement
    • Taxation of benefits
  • Types of retirement plans
    • Characteristics
    • Qualified plans
    • Non-qualified plans
    • Comparison of Qualified Plan Highlights
    • Retirement Plans – Site Index
  • Types and basic provisions of qualified plans
  • Defined contribution
    • Money purchase
    • Target benefit
    • Profit sharing
    • 401(k) plan
    • SIMPLE 401(k) plan
    • Designated Roth Accounts in 401(k), 403(b) or 457(b) Plans
    • Comparison of Roth 401(k), Roth IRA, and Traditional 401(k)
    • Safe harbor 401(k) plan
    • Age-based plan
    • Stock bonus plan
    • Employee stock ownership plan (ESOP)
    • New comparability plan
    • Thrift plan
    • Deemed IRA
  • Defined Benefit Plans Generally
    • Traditional Defined Benefit Plans
    • Cash Balance Plans
    • 412(e)(3) Plans – formerly 412(i) plans
  • What You Should Know About Your Retirement Plan
    • Common Retirement Plan Terms
    • Comparison of Rules of SEPs, SIMPLE IRAs, SIMPLE 401(k)s, Qualified Defined Benefit and Qualified Defined Contribution Plans for 2013 and 2014
    • COLA Increases for Dollar Limitations on Benefits and Contributions for 2011 through 2014
    • Consumer Information on Retirement Plans
    • Employee Resources: New Entrant, Mid-Career, Near Retirement, In Retirement
  • Qualified plan rules and options
  • Nondiscrimination and eligibility requirements
    • Age and service requirements
    • Coverage requirements
    • Minimum participation
    • Highly compensated employee (HCE)
    • Permitted vesting schedule
    • ADP/ACP testing
    • Control groups
    • Integration with Social Security/disparity limits
    • Defined benefit plan integration
    • Defined contribution plan integration
    • Tax Information for Plan Participant/Employee
  • Factors affecting contributions or benefits
    • Deduction limit §404(c)
    • Defined contribution limits (§415)
    • Defined benefit limits (§415)
    • Annual compensation limit (§401(a)(17))
    • Definition of compensation
    • Multiple plans
    • Special rules for self-employed (non-corporations)
  • Top-heavy plans
    • Definition of top-heavy plan
    • Key employee
    • Vesting in top-heavy plans
    • Effects on contributions or benefits
    • Loans from qualified plans
  • Other tax-advantaged retirement plans
  • Plan types and basic provisions
  • Regulatory considerations
    • Employee Retirment Income Security Act (ERISA)
    • Department of Labor (DOL) regulations
    • Fidcuiary liability issues
    • Prohibited transactions
    • Reporting requirments
  • Key factors affecting plan selection for business
  • Owner’s personal objectives
    • Personal Tax considerations
    • Capital needs at retirement
    • Capital needs at death
  • Plan selection based on business objectives
    • Tax considerations of Business
    • Adminstrative cost
    • Cash flow situtation and outlook
    • Employee demographics
    • Comparison of defined contribution and defined beneft alternatives
  • Investment considerations for retirement plans
    • Investment suitability for retirement plans
    • Time horizon
    • Diversification
    • Fiduciary considerations
    • Unrelated business taxable income (UBTI)
    • Incidental Life insurance
    • Appropriate assets for tax-advantaged vs. taxable accounts
  • Distribution rules, alternatives, and taxation
  • Distribution strategies
  • Election of distribution options
    • Lump sum distributions
    • Annuity options
    • Rollovers
    • Direct transfer
  • Required minimum distributions (RMD)
    • Required minimum distributions rules
    • Required minimum distributions calcualtions
    • Required minimum distributions penalties
    • Beneficiary considerations/Stretch IRAs
    • Qualified domestic relations order (QDRO)
  • Taxation of distributions

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