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Webinar Schedule

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Scheduled Events

Date & Time

Topic

Length

Cost

Registration

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Barry Milberg

Roth 401(k) Analyzer V3.0 Demonstration 30 Minutes Free

Contact

Barry Milberg

Contact

Barry Milberg

Avoiding Roth 401(k) Compliance & Administration Pitfalls 2 hours $195

Contact

Barry Milberg

Roth 401(k) Analyzer V3.0 Demonstration

Objective

This program provides a overview of the user-friendly features of Roth 401(k) Analyzer V3.0.  More than just a financial calculator, the Roth Analyzer is a report generator tool that permits advisors, HR and planning professionals, or plan participants themselves to prepare comprehensive analysis reports.  V3.0 permits the user to select 3 different reports to to see how changes in the plan participant's future Marginal Tax Rate (MTR) impacts retirement benefit distribution outcomes.  The MTR is the tax rate the participant pays on the last dollars earned.  One's MTR is a key factor relative to decisions that involve taxation of contributions to (and distributions from) retirement or other savings accounts. 

Webinar Description

Learn how our user-friendly analyzer/report generator tool illustrates the Roth 401(k)'s unprecedented planning opportunities for plan participants of all income levels, and why it provides extraordinary retirement and estate planning opportunities for high income taxpayers.

Avoiding Roth 401(k) Compliance & Administration Pitfalls

Background

PPA 2006 permanently extended the Roth 401(k) feature which means that more employers will opt to add this feature to their new and existing plans.  The Roth 401(k) feature permits all plan participants, regardless of their adjusted gross income, to make elective contributions to their 401(k) plans on an after-tax basis.  These elective contributions plus any gains on the selected investments accumulate 100% income tax free, and all qualified distributions from these accounts are 100% income tax free.

Objective

This 2-hour seminar, originally presented at the 2007 ASPPA Annual Conference and now part of ASPPA's C-4 exam study guide, outlines how to avoid compliance and administration pitfalls when implementing, communicating and administering the Roth 401(k).  It provides guidance with regard to all Roth 401(k) related issues from payroll deduction to distributions, including plan document and notice requirements, administrative procedures, testing and reporting requirements and marketing recommendations.

Case study examples illustrate how the Roth 401(k) affords planning opportunities for plan participants of all income levels, and why it provides significant retirement and estate planning opportunities for high income taxpayers.

This seminar provides information to assist employers and/or their advisors in determining if the Roth 401(k) is an appropriate feature to add to their new or existing qualified retirement plan.  And to assist plan participants in determining if the Roth 401(k) is preferable when compared to a pre-tax 401(k).

Webinar Description

  • Overview of How to Avoid Pitfalls

  • Roth 401(k) Basics & Distributions

    - Eligibility, Individual Contribution Limits, Taxation of Contributions

    - Automatic Enrollment

    - Qualified and Nonqualified Distribution Taxation

    - Distribution Rules for Hardships and Loans

  • Roth 401(k) v. IRA

  • Roth 401(k) Rollovers

  • Plan Qualification, Recordkeeping, Compliance and Operational Issues

    - Elective Deferral Treatment

    - Plan Amendments

    - Separate Accounting Requirement and Ordering Rules

    - Testing Failures and Refunds

    - Payroll and Reporting Issues

  • What Employer/Plan Sponsors Should Consider

  • Who Should Consider Contributing to the Roth 401(k)

  • Case Study Planning Examples

    - Roth 401(k) Maximizes Retirement Benefits

    - Estate Plan Opportunity

  • What the Roth 401(k) Skeptics Should Know

Cost: $195

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