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403b Plans

403b Plans

403b Plans

By NTSA Net Staff6/3/2016 • 0 Comments

By the end of last year, 403(b) plans contained nearly $1 trillion in assets; a recent paper takes a closer look at this significant part of the U.S. retirement landscape. READ MORE

By NTSA Net Staff5/27/2016 • 0 Comments

In Tech Talk, Ellie Lowder tells us whether it is appropriate to name a living trust as beneficiary of a 403(b) account. READ MORE

By NTSA Net Staff5/23/2016 • 0 Comments

In MarketBeat, Ellie Lowder examines what has changed to contribute to the trend of using voluntary savings for additional lifetime income. READ MORE

By NTSA Net Staff5/23/2016 • 0 Comments

In Tech Talk, Ellie Lowder tells us whether a client who left his employer at age 53 and will be 55 this year can make withdrawals from his 403(b) account without incurring the IRS penalty tax. READ MORE

By NTSA Net Staff5/9/2016 • 0 Comments

In Tech Talk, Ellie Lowder tells us whether it is appropriate to name a living trust as beneficiary of a 403(b) account in order to escape probate on 403(b) distributions. READ MORE

By NTSA Net Staff5/2/2016 • 0 Comments

In Tech Talk, Ellie Lowder tells us whether a person who is age 55 and is retiring but has an agreement to return to work with the same employer to do a special project can make 403(B) withdrawals during the interim period without penalty. READ MORE

By ASPPA Net Staff4/27/2016 • 0 Comments

An upcoming IRS webcast will discuss the intricacies of the universal availability rules and how they work. READ MORE

By NTSA Net Staff4/26/2016 • 0 Comments

In Tech Talk, Ellie Lowder tells us whether the 403(b) assets of a client who is preparing to declare bankruptcy are protected. READ MORE

By NTSA Net Staff4/15/2016 • 0 Comments

In Tech Talk, Ellie Lowder tells us if a man who left his employer at age 53, and will be 55 this year, can make withdrawals from his 403(b) account without the IRS penalty tax being imposed. READ MORE

By NTSA Net Staff4/4/2016 • 0 Comments

In Tech Talk, Ellie Lowder tells us whether any issues arise if a 73-year old client is still funding his 403(b) while he is taking required minimum distributions. READ MORE

By NTSA Net Staff3/17/2016 • 0 Comments

The Board of Governors of the Federal Reserve in its latest quarterly report about U.S. financial accounts, provides information on how state and local government DB and DC funds fared from a variety of perspectives during the fourth quarter of 2015. READ MORE

By NTSA Net Staff3/14/2016 • 0 Comments

In Tech Talk, Ellie Lowder tells us whether a client who is severing employment in the year he turns 55, but before his birthday, will be subject to the 10% penalty tax if he makes withdrawals from his 403(b). READ MORE

By NTSA Net Staff3/8/2016 • 0 Comments

IRS Employee Plans Division (EP) Rulings & Agreements Director Karen Truss has issued a memo to EP determinations employees that sets forth interim guidelines for processing 403(b) pre-approved plan applications for letters on spousal benefit provisions. READ MORE

By NTSA Net Staff3/7/2016 • 0 Comments

In Tech Talk, Ellie Lowder says how the ERISA exemption of a 403(b) plan that allows only elective deferrals would be affected if the plan sponsor began approving loans and hardship withdrawals. READ MORE

By NTSA Net Staff3/1/2016 • 0 Comments

On Feb. 23, the American Retirement Association filed a comment letter with the IRS suggesting enhancements that can be made to the IRS pre-approved plan program for plans subject to Internal Revenue Code Sections 401(a) or 403(b). READ MORE

By NTSA Net Staff3/1/2016 • 0 Comments

In MarketBeat, Susan Diehl tells us whether — when school district employees elected to make a Roth 403(b) salary deferral, but they were all set up as regular pre-tax deferrals and it was not caught for six months — the employees can change their election to pre-tax to correct the situation. READ MORE

By NTSA Net Staff2/22/2016 • 0 Comments

In MarketBeat, Susan Diehl provides an overview of Notice 2016-16, which includes guidance for traditional safe harbor plans and QACAs and eliminates much of the uncertainty which has overshadowed this popular plan design. READ MORE

By NTSA Net Staff2/12/2016 • 0 Comments

In Tech Talk, Ellie Lowder tells us if a company may allow employees to repay defaulted loans and then take out a second loan repaid via checking/savings account deductions. READ MORE

By NTSA Net Staff1/25/2016 • 0 Comments

In MarketBeat, Robert Toth writes that merging 403(b)s and 401(a)s has been an ongoing issue in the tax-exempt marketplace, and discusses how under the PATH Act, the Internal Revenue Code now will allow such mergers and the transfer of assets from these two kinds of plans. READ MORE

By NTSA Net Staff1/25/2016 • 0 Comments

In Tech Talk, Ellie Lowder tells us if the 10% penalty tax would be imposed on a 403(b) withdrawal its holder wants to take to help cover her daughter’s higher education expenses. READ MORE

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