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# 401k Advisors of Retirement Partners of Santa Clarita, California

401k Retirement Advisors and Fiduciaries

## Sitemaps

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## Posts

- [Ask Erick: Mandatory 401k Roth Catch-up in SECURE Act 2.0](https://retirementpartnersofcalifornia.com/mandatory-roth-401k-catch-up/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Ask Erick: Current trends for plan fees in small plans v. larger plans](https://retirementpartnersofcalifornia.com/small-401k-fees-vs-large-401k-fees/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Ask Erick: Are employees using financial advice?](https://retirementpartnersofcalifornia.com/financial-advice-for-employees/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Ask Erick: Can I contribute to our 401k and an IRA?](https://retirementpartnersofcalifornia.com/contribute-401k-and-ira-tax-year/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Employee College Savings Plan - Invest in Their Future](https://retirementpartnersofcalifornia.com/employee-college-529-savings-plan-invest-their-future/) - A 529 college savings plan is a great way to prepare for the rising costs of higher education Looking for a great way to invest in a child’s future? A tax-advantaged 529 college savings plan is specifically designed to help families save for future college expenses. It can make a big difference in helping a
- [Guiding Light - 5 Ways to Help Employees During Market Volatility](https://retirementpartnersofcalifornia.com/guiding-light-5-ways-to-help-employees-during-market-volatility/) - Market volatility can cause employees to feel uneasy about their retirement savings, often leading to impulsive decisions that could harm their financial future. As a plan sponsor, it’s crucial to take proactive steps to guide employees during uncertain times. Consider the following five strategies: 1. Provide Clear and Consistent Communication. During periods of market turbulence,
- [9 Facts About Retirement](https://retirementpartnersofcalifornia.com/9-facts-about-retirement/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Ask Erick: Employees ask about Hardship Withdrawals](https://retirementpartnersofcalifornia.com/401k-hardship-withdrawals/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Ask Erick: Mandatory Roth catch-up for high earners](https://retirementpartnersofcalifornia.com/mandatory-roth-catchup-high-earners/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Guiding Light - Support Employees During Market Volatility](https://retirementpartnersofcalifornia.com/support-employees-during-market-volatility/) - Market volatility can cause employees to feel uneasy about their retirement savings, often leading to impulsive decisions that could harm their financial future. As a plan sponsor, it’s crucial to take proactive steps to guide employees during uncertain times. Consider the following five strategies: 1. Provide Clear and Consistent Communication. During periods of market turbulence,
- [529 to Help Combat Rising Cost of Education](https://retirementpartnersofcalifornia.com/529-savings-rising-cost-college-education/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [9 Facts About Social Security](https://retirementpartnersofcalifornia.com/9-facts-social-security/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Catch-up Contributions for 2026](https://retirementpartnersofcalifornia.com/401k-catch-up-contributions/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Reminder: Plan Sponsor Q4 Calendar of Tasks](https://retirementpartnersofcalifornia.com/401k-plan-sponsor-q4-tasks/) - Footnotes For plan sponsor use only. Not for use with participants or the general public. This information is not intended as authoritative guidance or tax or legal advice. You should consult your attorney or tax advisor for guidance on your specific situation. In no way does advisor assure that, by using the information provided, plan
- [Ask Erick: Do employees work with financial advisors?](https://retirementpartnersofcalifornia.com/401k-advisors-financial-advice-guidance/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [5 Common Risk Management Pitfalls](https://retirementpartnersofcalifornia.com/5-common-risk-management-pitfalls/) - Staying on Top of Your Game - Five Common Risk Management Pitfalls and How to Effectively Mitigate Them Retirement plan sponsors operate in a high-stakes regulatory landscape under the Employee Retirement Income Security Act of 1974 (ERISA). Over the past decade, ERISA litigation has surged — often catching even well-intentioned fiduciaries off guard. To mitigate
- [Ask Erick: Employee Match on Student Loan Payments](https://retirementpartnersofcalifornia.com/401k-match-student-loan-payments/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Ask Erick: 401k loans and payback](https://retirementpartnersofcalifornia.com/401k-loans-payback/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Give Your 401k a Retirement Wellness Exam](https://retirementpartnersofcalifornia.com/401k-plan-wellness-exam/) - Do the key features of your plan focus directly on getting your workforce fit for retirement? Use this review as a high-level guideline for prioritizing employee retirement readiness.
- [Best Practices for 401k Plan Benchmarking](https://retirementpartnersofcalifornia.com/401k-plan-benchmarking-best-practices/) - Ensuring a competitive and well-managed retirement plan is essential for attracting and retaining employees while maintaining fiduciary compliance. Benchmarking your retirement plan helps assess its effectiveness and identify areas for improvement. The following are key best practices for plan sponsors.
- [Employee Financial Education Strategies for 2026](https://retirementpartnersofcalifornia.com/employee-education-strategies-2026/) - A new Transamerica Center for Retirement Studies report, “An Uncertain Future: Retirement Prospects of Four Generations,” explores how Gen Z, Millennials, Gen X, and Boomers are preparing for retirement amid economic volatility, caregiving pressures and job insecurity. The report highlights several shared fears, which can help inform your 2026 employee education strategy: outliving savings, declining health requiring long-term care and uncertainty around Social Security’s future.
- [5 Strategies for Employees During Market Volatility](https://retirementpartnersofcalifornia.com/5-strategies-for-employees-during-market-volatility/) - Understanding fee benchmarking is crucial for plan sponsors to maintain fiduciary responsibility and ensure costs align with industry standards. With nearly two-thirds of plan sponsors likely to conduct fee studies, this practice is essential for negotiating better service terms. Conducting annual fee reviews not only helps in assessing the necessity and reasonableness of services but also often leads to reduced plan fees. Learn how your plan advisor plays a pivotal role in streamlining this process, ensuring your retirement plan remains cost-effective while fulfilling fiduciary obligations.
- [The Importance of Benchmarking Plan Fees: Best Practices for Plan Sponsors](https://retirementpartnersofcalifornia.com/benchmark-401k-fees-best-practices/) - Understanding Fee Benchmarking Benchmarking your plan fees is a critical practice for plan sponsors, ensuring that the costs associated with plan services align with industry standards. According to Callan’s 2024 DC Trends Survey, a substantial two-thirds of plan sponsors indicated they were either somewhat or very likely to conduct a fee study this year. This Understanding fee benchmarking is crucial for plan sponsors to maintain fiduciary responsibility and ensure costs align with industry standards. With nearly two-thirds of plan sponsors likely to conduct fee studies, this practice is essential for negotiating better service terms. Conducting annual fee reviews not only helps in assessing the necessity and reasonableness of services but also often leads to reduced plan fees. Learn how your plan advisor plays a pivotal role in streamlining this process, ensuring your retirement plan remains cost-effective while fulfilling fiduciary obligations.
- [Q2 401k Plan Sponsor Checklist](https://retirementpartnersofcalifornia.com/2025-q2-401k-plan-sponsor-checklist/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Ask Erick: Health Savings Accounts (HSAs) for Employees](https://retirementpartnersofcalifornia.com/health-savings-accounts-hsa-employee/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [401k Employee Financial Wellness 2025](https://retirementpartnersofcalifornia.com/401k-financial-wellness-2025/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Ask Erick: How often should we benchmark our 401k Plan Fees?](https://retirementpartnersofcalifornia.com/401k-plan-fees-benchmark/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Ask Erick: How Often Should We Review Our 401k Investment Lineup?](https://retirementpartnersofcalifornia.com/401k-investment-lineup/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Investment Policy Statement - Key Ingredients](https://retirementpartnersofcalifornia.com/investment-policy-statement-ips/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Understand Expense Ratios](https://retirementpartnersofcalifornia.com/understand-expense-ratios-maximize-retirement/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Life, Longevity, and Retirement for Future Workers](https://retirementpartnersofcalifornia.com/life-longevity-retirement-future-workers/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [How the SECURE Act 2.0 Changed RMDs](https://retirementpartnersofcalifornia.com/rmd-change-secure-act-2/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Can I Contribute to a Roth IRA if I'm Over the Income Limits](https://retirementpartnersofcalifornia.com/roth-ira-over-income-limits-backdoor/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Ask Erick: SECURE Act 2.0 Provision for 401k Plans](https://retirementpartnersofcalifornia.com/secure-act-20-401k-law/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [IRS Issues New Guidance on Early Distribution Exceptions Under SECURE 2.0 Act](https://retirementpartnersofcalifornia.com/irs-issues-new-guidance-on-early-distribution-exceptions-under-secure-20-act/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Ask Erick: SECURE Act 2.0 Provision](https://retirementpartnersofcalifornia.com/ask-erick-secure-act-2-0-provision/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [All You Need to Know About the Changes to HSA](https://retirementpartnersofcalifornia.com/hsa-health-savings-account-changes-2024/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Building Your 401k Plan Dream Team to Help You Improve Your 401k](https://retirementpartnersofcalifornia.com/401k-dream-team-improvement-advisor/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Does Your 401k Plan Have a Conflict of Interest?](https://retirementpartnersofcalifornia.com/401k-plan-conflict-of-interest/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [401k Plan Fees: Is 408b2 or 404a5 more helpful?](https://retirementpartnersofcalifornia.com/401k-plan-fees-408b2-404a5-better/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Ask Erick: Roth 401k Contributions](https://retirementpartnersofcalifornia.com/roth-401k-contributions-ira/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Ask Erick: Adding Lifetime Income Option to Our 401k](https://retirementpartnersofcalifornia.com/lifetime-income-option-401k/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Employee Caregivers and the Challenges they Face](https://retirementpartnersofcalifornia.com/employee-caregivers-healthcare-challenges-personal/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [401k Retirement Wellness Exam](https://retirementpartnersofcalifornia.com/401k-retirement-wellness-exam/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Ask Erick: Fiduciary Responsibilities of Our Investment Committee](https://retirementpartnersofcalifornia.com/401k-investment-committee-fiduciary-responsibility/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Ask Erick: Growing Popularity of Calsavers State-Run IRA Plan and 401k Plans](https://retirementpartnersofcalifornia.com/cal-savers-state-ira-plans-401k-plans/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Ask Erick: How Popular are Target Date Funds?](https://retirementpartnersofcalifornia.com/ask-erick-target-date-funds/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [401k and Defined Contribution Plan Valued by Americans](https://retirementpartnersofcalifornia.com/401k-defined-contribution-plans-valued-by-americans/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Ask Erick: Social Security, HSA accounts, and a Cyber Security Tip](https://retirementpartnersofcalifornia.com/social-security-hsa-cyber-security-answers/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [401k Nondiscrimination Testing or Employer Match?](https://retirementpartnersofcalifornia.com/annual-401k-nondiscrimination-testing-or-employer-match/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [ESG investing - Does the Biden ESG Bill Make Financial Sense?](https://retirementpartnersofcalifornia.com/esg-investing/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [New Saver’s Match to Replace Saver’s Credit - It Will Impact Black Female Workers the Most?](https://retirementpartnersofcalifornia.com/savers-match-replace-savers-credit-impact-black-female-workers-the-most/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Comparing Money Market, Stable Value, and Guaranteed Investment Contract Funds in Your 401k](https://retirementpartnersofcalifornia.com/401k-stable-value-money-market-guaranteed-investment-contact/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Financial Literacy for Your Employees - The Path to Financial Independence](https://retirementpartnersofcalifornia.com/financial-literacy-employees-financial-independence-401k/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [401k Employee Education - Retirement Readiness Can Close the Education Gap](https://retirementpartnersofcalifornia.com/401k-education-employee-retirement-readiness-close-the-gap/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [401k Plan Spring Cleaning - 8 Tips to Use Right Now](https://retirementpartnersofcalifornia.com/401k-tips-improve-better-spring-cleaning/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [401k Plan Sponsor Calendar of Tasks](https://retirementpartnersofcalifornia.com/401k-plan-employer-sponsor-calendar-tasks/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Ask Erick: Should we outsource our 3(16) admin services?](https://retirementpartnersofcalifornia.com/401k-fiduciary-admin-services-316-outsource/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [HSA Myths - Have You Misunderstood? Top 6 Myths Explained](https://retirementpartnersofcalifornia.com/hsa-myths-health-savings-accounts-fsa-tips/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Ask Erick: Advice on Setting Up Pre-Retiree Employee Education?](https://retirementpartnersofcalifornia.com/401k-education-employees-retiree/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [401k Accounts Left Behind - Ask Erick](https://retirementpartnersofcalifornia.com/401k-accounts-left-behind-by-employees-2/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [401k Plan Sponsor Reminders for Q1](https://retirementpartnersofcalifornia.com/401k-plan-sponsor-reminders-q1/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Add Emergency Fund Accounts to Company 401k Plan](https://retirementpartnersofcalifornia.com/401k-emergency-funds-loans-employees/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [401k Fees Have Come Down. Has Your Company 401k Taken Advantage?](https://retirementpartnersofcalifornia.com/401k-fees-lower-company-retirement-plan/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [401k Automatic Age is Coming](https://retirementpartnersofcalifornia.com/401k-auto-enroll/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Mistakes Happen - Reach For The 401(k) Fix-it Guide](https://retirementpartnersofcalifornia.com/401k-mistakes-guide/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [IRS Delayed Roth Catch-up 2024](https://retirementpartnersofcalifornia.com/401k-roth-catch-up-2024-delayed-irs/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Non-Qualified Deferred Comp Plans are Very Popular Right Now](https://retirementpartnersofcalifornia.com/non-qualified-deferred-comp-plans/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Be aware: 401k Catch Up Contributions are No Longer Tax Deductible in 2024](https://retirementpartnersofcalifornia.com/401k-catch-up-contributions-tax-deduction/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Ask Erick: Employee Loans and 401k Plan Design](https://retirementpartnersofcalifornia.com/401k-loans/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Ask Erick: Using 401k to Attract Younger Employees](https://retirementpartnersofcalifornia.com/401k-attract-younger-workers/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Why Are Retirement Income Solution Unpopular with Plan Sponsors?](https://retirementpartnersofcalifornia.com/401k-guaranteed-income/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [401k Automatic Enrollment and Increase](https://retirementpartnersofcalifornia.com/401k-automatic-enrollment/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Fixing 401k Mistakes and Reporting Errors](https://retirementpartnersofcalifornia.com/401k-mistakes-reporting-errors/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Ask Erick: 401k Education and Communication](https://retirementpartnersofcalifornia.com/401k-education-communication-employee/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Ask Erick: 401k Investment Reduction](https://retirementpartnersofcalifornia.com/401k-reducing-investment-options/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [SECURE 2.0 Advantages for Women](https://retirementpartnersofcalifornia.com/women-wealth-secure-act-build/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [401k Fiduciary Scare vs. Fiduciary Care](https://retirementpartnersofcalifornia.com/401k-fiduciary-scare-vs-fiduciary-care/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [SECURE Act 2.0 - Top 10 Things to Know](https://retirementpartnersofcalifornia.com/secure-act-2-top-10-things-know/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [401k Plan Design Can Help Lower Income Workers - Auto-enrollment and Emergency Savings Accounts](https://retirementpartnersofcalifornia.com/401k-plan-design-helping-lower-income-workers/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [SECURE Act 2.0: Key Takeaways & Changes to 401k Plans (2023)](https://retirementpartnersofcalifornia.com/secure-act-2-changes-retirement-planning-2023/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Help Your Employees Save for College with a 529 Plan](https://retirementpartnersofcalifornia.com/529-employer-college-employees/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [409A Deferred Comp Plans Can Lower Taxes for You and Your Employees](https://retirementpartnersofcalifornia.com/409a-deferred-comp-mirror-lower-taxes/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [SECURE Act 2.0  Incentives to Businesses and Employees for Retirement Plans](https://retirementpartnersofcalifornia.com/secure-act-2-incentives-401k-retirement-plans/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [401k Plan Fees Fell in 2022](https://retirementpartnersofcalifornia.com/401k-fees-lower-2023/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [401k Plan Sponsor Q1 Calendar: January, February, March](https://retirementpartnersofcalifornia.com/401k-sponsor-quarterly-calendar-january-february-march/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [SECURE Act 2.0: Changes to Catch-up Contributions for Those 50 years and over](https://retirementpartnersofcalifornia.com/secure-act-2-401k-catchup-contribution-changes/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Americans Remain Focused on Saving for Retirement](https://retirementpartnersofcalifornia.com/americans-focused-saving-for-retirement/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [401k Offers Valuable Benefits](https://retirementpartnersofcalifornia.com/401k-valuable-employee-benefit/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Half of Companies Say They Want to Replace 401k Financial Advisor](https://retirementpartnersofcalifornia.com/companies-replace-401k-financial-advisor/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [How Can Retirement Plan Sponsors Help Employees During Market Turmoil?](https://retirementpartnersofcalifornia.com/how-can-retirement-plan-sponsors-help-employees-during-market-turmoil/) - Companies can take these 4 steps to help ensure that participants and retirees are not making fear‑driven mistakes, which could jeopardize their retirement.
- [Plan sponsors, do you know the truth about In-Plan Guarantees?](https://retirementpartnersofcalifornia.com/plan-sponsors-do-you-know-the-truth-about-in-plan-guarantees/) - Do you have misperceptions when it comes to something as important as “in-plan” guarantees for your employees?
- [Retirement Plan Sponsor’s Quarterly Calendar – Q4 2022](https://retirementpartnersofcalifornia.com/retirement-plan-sponsors-quarterly-calendar-q4-2022/) - Here is your Plan Sponsor’s Quarterly Calendar: a great list of tasks to keep in mind during the next three months.
- [The 401k Plan is Evolving](https://retirementpartnersofcalifornia.com/the-401k-plan-is-evolving/) - The 401k plan is evolving. Changes in regulation have created a shift from simply savings and accumulation to savings, accumulation, and guaranteed income.
- [Modernize Your 401k Plan with an In-Plan Income Guarantee Solution](https://retirementpartnersofcalifornia.com/modernize-your-401k-plan-income-guarantee/) - The 401k plan is evolving. Changes in regulation have created a shift from simply savings and accumulation to savings, accumulation, and guaranteed income.
- [What’s SO GREAT about having a pension anyway?](https://retirementpartnersofcalifornia.com/whats-so-great-about-having-a-pension-anyway/) - Everyone knows someone with a pension. Typically, a police officer, firefighter, or teacher. Having a pension means they will get paid a monthly amount in retirement… guaranteed.
- [The Importance of ESG Investment Options](https://retirementpartnersofcalifornia.com/the-importance-of-esg-investment-options/) - A new survey offers some key insights into why plan sponsors may want to consider building an investment lineup to meet the growing demand for sustainable options from workplace retirement plan participants.
- [Attract and Retain Employees with your Retirement Plan](https://retirementpartnersofcalifornia.com/attract-and-retain-employees-with-your-retirement-plan/) - Increasingly, plan sponsors are refreshing their workplace retirement plans to give employees both the opportunity to save more for retirement and the flexibility to use both their personal and employer contributions in innovative ways to manage their financial needs.
- [Ensure Diversification in your Retirement Account Stock Funds](https://retirementpartnersofcalifornia.com/ensure-diversification-in-your-retirement-account-stock-funds/) - If you are considering investing in stock funds within your retirement account, here are some ways to help make sure you are well-diversified.
- [When it Comes to Old 401(k) Accounts, it Pays to Know your Options](https://retirementpartnersofcalifornia.com/when-it-comes-to-old-401k-accounts-it-pays-to-know-your-options/) - Like most people, you’re likely to change jobs several times during your working life. And you’ll likely have a 401(k) account through your former employer to deal with. Here are the four options for what to do with an old 401(k) account.
- [The Tax Saver's Credit](https://retirementpartnersofcalifornia.com/the-tax-savers-credit/) - The Savers Credit is in addition to 3 other tax advantages available when saving for retirement:
- [Estate Plans - A Key Component of Financial Wellness](https://retirementpartnersofcalifornia.com/estate-plans-a-key-component-of-financial-wellness/) - Most people don’t spend too much time thinking about end-of-life planning on a daily basis. But you may have loved ones who will soon face those issues.
- [Erick Arndt named one of Valley 200's Most Influential Leaders](https://retirementpartnersofcalifornia.com/erick-arndt-named-one-of-valley-200s-most-influential-leaders/) - Erick Arndt was recently given the honor of being named in the Valley 200 Most Influential Leaders by the San Fernando Valley Business Journal!
- [Plan Your Ideal Retirement Income](https://retirementpartnersofcalifornia.com/plan-your-ideal-retirement-income/) - Many people use the 4% rule to guide their retirement withdrawals once they stop working.
- [Zero In on a Retirement Plan](https://retirementpartnersofcalifornia.com/zero-in-on-a-retirement-plan/) - Whether you’re an employer who wants to help your employees work toward a secure retirement or someone who wants to plan for your own future, this handy guide can help you narrow the focus and zero in on a retirement plan that could work for you in 2022.
- [Learn About the Mirror 401k](https://retirementpartnersofcalifornia.com/learn-about-the-mirror-401k/) - Offering a retirement plan to your employees is a wonderful benefit for them and you. But it doesn’t come without its fair share of problems.
- [Turning Your Retirement Dream into a Business](https://retirementpartnersofcalifornia.com/turning-your-retirement-dream-into-a-business/) - Tools and Techniques More than 50% of U.S. small businesses are owned by people 55 and older, according to a Spring 2021 survey by SCORE, a nonprofit that provides resources to small-business owners. If your retirement dream is to turn your hobby into a profitable business and finally be your own boss, check out score.org.
- [Retirement Plan Sponsor’s Quarterly Calendar – Q3 2022](https://retirementpartnersofcalifornia.com/retirement-plan-sponsors-quarterly-calendar-q3-2022/) - Here is your Plan Sponsor’s Quarterly Calendar: a great list of tasks to keep in mind during the next three months.
- [Ask Erick…Q&A with a 401(k) Advisor “Nonvested Employer Contributions”](https://retirementpartnersofcalifornia.com/ask-erickqa-with-a-401k-advisor-nonvested-employer-contributions/) - During the first quarter of this year we have had a number of employees leave our organization, some of which had nonvested employer contributions.
- [Quarterly Reminder - What to do with your Tax Refund](https://retirementpartnersofcalifornia.com/quarterly-reminder-what-to-do-with-your-tax-refund/) - Are you expecting a tax refund this year? If so, consider creating an emergency fund with some or all of it.
- [Heart of the Matter](https://retirementpartnersofcalifornia.com/heart-of-the-matter/) - In 2021, the Centers for Disease Control and Prevention reported that nearly half of adults in the United States (47%) have hypertension.
- [Ask Erick…Q&A with a 401(k) Advisor “Recordkeepers”](https://retirementpartnersofcalifornia.com/ask-erickqanda-with-a-401k-advisor-recordkeepers/) - We are thinking about submitting a request for proposal to several recordkeepers for due diligence purposes.
- [In the Driver’s Seat - Prioritizing and Managing Fiduciary Duties](https://retirementpartnersofcalifornia.com/in-the-drivers-seat-prioritizing-and-managing-fiduciary-duties/) - In the spring of 2021, Aon Investments surveyed 12 top carriers for fiduciary liability insurance to better understand how plan management typically impacts pricing for fiduciary liability insurance.
- [Knowledge Is Retirement Power - Roth Plans](https://retirementpartnersofcalifornia.com/knowledge-is-retirement-power-roth-plans/) - Roth options have become a common choice in many 401(k) plans, as well as 403(b) and 457 plans.
- [A Window Into Financial Wellness](https://retirementpartnersofcalifornia.com/a-window-into-financial-wellness/) - Americans currently define financial wellness as simply feeling comfortable with their financial situation.
- [Ask Erick...Q&A with a 401(k) Advisor "Employee Savings Rates"](https://retirementpartnersofcalifornia.com/ask-erick-qa-with-a-401k-advisor-employee-savings-rates/) - We are looking for ways to increase savings rates among new employees, at both lower and higher income levels.
- [Inexpensive Benefits You Can Add to Avoid… The Great Resignation](https://retirementpartnersofcalifornia.com/inexpensive-benefits-you-can-add-to-avoid-the-great-resignation/) - The Great Resignation has been dominating headlines and HR meetings for the last two years, leaving employers wondering about the best way to attract and retain the best employees. Benefits packages, a key reason employees join some companies and not others, have certainly been a part of the conversation.
- [Deconstructing your Debt-to-Income Ratio](https://retirementpartnersofcalifornia.com/deconstructing-your-debt-to-income-ratio/) - Your debt-to-income ratio (or DTI) measures your monthly debt payment against your monthly income (before taxes or before other deductions have been made).
- [Retirement Plan Sponsor’s Quarterly Calendar - Q2 2022](https://retirementpartnersofcalifornia.com/retirement-plan-sponsors-quarterly-calendar-q2-2022/) - Here is your Plan Sponsor’s Quarterly Calendar for Q2 2022: a great list of tasks to keep in mind during the next three months.
- [Ask Erick...Q&A with a 401(k) Advisor "Emergency Savings Program"](https://retirementpartnersofcalifornia.com/ask-erick-qa-with-a-401k-advisor-emergency-savings-program/) - Is there a way to add an emergency savings program into our 401(k) plan, or will it have to be a separate program?
- [Have you had the CalSavers Conversation?](https://retirementpartnersofcalifornia.com/have-you-had-the-calsavers-conversation/) - California has recently established its own state-run retirement plan. The plan has been mandated for use by business owners who otherwise do not offer a retirement plan benefit program for their employees, such as a 401(k), SIMPLE IRA or SIMPLE 401(k).
- [Ask Erick...Q&A with a 401(k) Advisor    "Fiduciary Liability Insurance"](https://retirementpartnersofcalifornia.com/ask-erick-qa-with-a-401k-advisor/) - Our plan committee is thinking about purchasing fiduciary liability insurance. Is a fidelity bond the same thing as fiduciary liability insurance?
- [Ask Erick…Q&A with a 401(k) Advisor "Protecting Your Plan Audit Files"](https://retirementpartnersofcalifornia.com/ask-erickqanda-with-a-401k-advisor-protecting-your-plan-audit-files/) - We always meant to automate our plan audit files, but somehow we didn’t get around to it. What do we need to know to protect the information we send?
- [3 Tips for Planning Your Retirement Income](https://retirementpartnersofcalifornia.com/3-tips-for-planning-your-retirement-income/) - We all want to retire comfortably someday and live our dream life. But we all know that’s not going to happen by accident, right?
- [Can You Avoid The Fiduciary Liability of Your 401(k) with a 3(16)?](https://retirementpartnersofcalifornia.com/can-a-316-fiduciary-save-you-time-and-help-keep-your-401k-plan-in-compliance/) - Is your 401k advisor meeting with your employees to provide them the advice and guidance they need to pursue their retirement income goals?
- [34% of Businesses Want to Change 401k Advisors. Here's why...](https://retirementpartnersofcalifornia.com/businesses-want-to-change-401k-advisor-financial/) - Fidelity published the results from a recent survey and it showed that over 1/3 (34%) of businesses are looking to change their 401k advisor. That’s more than double the 2020 number (16%)! Why the big change? The top reasons for wanting to change plan advisors was: Better employee communication and education Lower stated fees More
- [Great Links to Know If You Are a 401k Retirement Plan Sponsor](https://retirementpartnersofcalifornia.com/great-links-to-know-if-you-are-a-401k-retirement-plan-sponsor/) - Plan sponsors, here is a great list of websites that you may find useful in your day to day work.
- [Retirement Tips and Resources](https://retirementpartnersofcalifornia.com/retirement-tips-and-resources/) - Retirement tools and techniques for everyone.
- [Ask Erick...Q&A with a 401(k) Advisor](https://retirementpartnersofcalifornia.com/ask-erick-questions-with-a-401k-advisor/) - Cybersercutiy is a big topic for year-end plan review meetings.
- [Combatting Cybersecurity Threats](https://retirementpartnersofcalifornia.com/combatting-cybersecurity-threats/) - The threat of retirement account fraud has increased in recent years — particularly during the remote work environment.
- [401k and Pension Plan Contribution Limits for 2022](https://retirementpartnersofcalifornia.com/plan-sponsor-web-resources-and-2022-pension-plan-limitations/) - Plan sponsors, below are the 2022 401(k) and Pension Plan Contribution Limits.
- [Ask Erick…Q&A with a 401(k) Advisor](https://retirementpartnersofcalifornia.com/ask-erickqanda-with-a-401k-advisor-financial-wellness/) - We are considering adding a financial wellness program as part of our retirement plan benefit program.
- [Good Vibrations](https://retirementpartnersofcalifornia.com/good-vibrations/) - Now may be a great time to discuss any plan design changes or new features that may help improve retirement outcomes for your employees.
- [Retirement Plan Sponsor’s Quarterly Calendar](https://retirementpartnersofcalifornia.com/retirement-plan-sponsors-quarterly-calendar/) - Here is your Plan Sponsor’s Quarterly Calendar, a reminder of tasks to keep in mind during the next three months.
- [Knowledge is Retirement Power](https://retirementpartnersofcalifornia.com/knowledge-is-retirement-power/) - Social Security remains one of our country’s most valuable financial resource programs.
- [Want to Improve Retirement Outcomes? Make Sure Employees Understand Social Security Basics](https://retirementpartnersofcalifornia.com/improve-retirement-outcomes/) - New research reveals Americans have a significant knowledge gap regarding Social Security benefits.
- [Pondering the Next Stage in the Evolution of Retirement](https://retirementpartnersofcalifornia.com/pondering-next-stage-retirement/) - A recent survey confirms that there is no single path to retirement.
- [Ask Erick...Q&A with a 401(k) advisor](https://retirementpartnersofcalifornia.com/ask-erick-401k-advisor-retirement-age/) - Q: Over the past couple of years, some of our retirement-age employees have opted to continue working. While their expertise and experience are invaluable, it has resulted in some unplanned challenges for our organization. Do you know if this is part of a growing trend Erick? A: It is somewhat of a growing trend and
- [Ask Erick...Q&A with a 401(k) advisor](https://retirementpartnersofcalifornia.com/ask-erick-401k-advisor/) - Q: Erick, at what age am I required to start taking distributions from my retirement plan? A: Thanks to the Setting Every Community Up for Retirement Enhancement Act (enacted on December 20, 2019), the age at which the Internal Revenue Service requires you to begin taking required minimum distributions (RMDs) was raised from age 70½
- [What Do Businesses Want from their 401k Advisor?](https://retirementpartnersofcalifornia.com/businesses-want-from-401k-advisor/) - “I want a partner.” That was loud and clear from plan sponsors at a recent event. They said they are just too busy to know all the ins and outs and they want an advisor that acts like “an extension of our team”. They want someone to take charge and not be a passive bystander.
- [What Initiatives 401k Plan Sponsors are Considering](https://retirementpartnersofcalifornia.com/401k-plan-sponsor-initiatives/) - In a recent roundtable of 401k plan sponsors, they were asked about 7 initiatives for their 401k and for their employees. Here’s how they rated them from green, yellow, and red: Green: Definitely looking into it Yellow: Yes, but not a priority Red: Not right now The 7 Initiatives are: Financial wellness: green Student debt
- [Employee Retirement Confidence Drops](https://retirementpartnersofcalifornia.com/employee-retirement-confidence-drops/) - Many companies in California and across the country were hit hard by government-mandated lockdowns. Businesses were shuttered and employees lost jobs and their ability to pay their bills. The impact has been horrible. This week we tackle a question from a local company… Question: Erick, we weren’t able to keep everyone employed during the pandemic,
- [Get the Low Down on HSA (Health Savings Accounts)](https://retirementpartnersofcalifornia.com/hsa-health-savings-account/) - With longer life spans come extended healthcare needs — and significantly more dollars required to pay for them. An HSA can help you plan for those expenses. It’s more likely today that you’ll live longer than your grandparents did. The flip side is that you may spend far more on doctors’ bills and treatment for
- [THREE HSA MISTAKES TO AVOID](https://retirementpartnersofcalifornia.com/hsa-health-savings-account-mistakes/) - There are lots of advantages to an HSA. But you should keep these three potential pitfalls in mind before you decide to open an account: Contributing when you are no longer eligible – In 2021, you can participate in an HSA if you have a high-deductible health insurance policy with an annual deductible of $1,400
- [Roth 401(k) or Roth IRA: Which One is Right For Me?](https://retirementpartnersofcalifornia.com/roth-ira-vs-roth-401k/) - Is a Roth 401k different from Roth IRA? I get this question quite often, so I thought it made sense to address it here in our blog. There are 2 big reasons for writing about the similarities and differences of the Roth 401k and Roth IRA. For businesses: When a business asks me to assess
- [Can Our Employees Withdraw from 401k Because of COVID and Wildfires?](https://retirementpartnersofcalifornia.com/401k-withdraw-covid-wildfires-employees/) - This month we have a question dealing with employees needing to withdraw from their 401k because of COVID and also because of wildfires… Question: Erick, our business was hanging on in spite of COVID-19, but then our area was hit by wildfires. Can employees who participate in our 401(k) plan take money out of their
- [Can You Pay Your 401k Loan Early?](https://retirementpartnersofcalifornia.com/can-you-pay-your-401k-loan-early/) - If you have a 401k loan and lose your job or quit your job, that loan is due to be paid back within 30 days. Most employees are surprised to hear that. All to often, it’s a surprise to the borrower. This week we talk about paying it back early. Question: Erick, we recently had
- [401k Profit Share and Cash Balance Limits (2020-2021)](https://retirementpartnersofcalifornia.com/cash-balance-profit-sharing-401k-plan-limits-2020/) - Use this table to determine maximum contributions (assumes $285,000 in W-2 compensation or net self-employment income after contribution). Age 401(k) 401(k) with Profit Sharing Cash Balance Total 70 $26,000 $63,500 $292,000 $355,500 65 $26,000 $63,500 $271,000 $334,500 60 $26,000 $63,500 $264,000 $327,500 55 $26,000 $63,500 $204,000 $267,500 50 $26,000 $63,500 $158,000 $221,500 45 $19,500 $57,000
- [401k Audits – 7 Mistakes Companies and Plan Sponsors Make (Part 2)](https://retirementpartnersofcalifornia.com/401k-audits-dol-dept-of-labor-retirement-plan-audits-part-2/) - Recently I sat down with a Certified Public Accountant (CPA) who specializes in 401k plan audits. This is Part 2 of the article. If you haven’t read Part 1 of 7 Common Problems Companies Have on Their DOL Audit, there it is. That included the first 4 problems. This week we address the last 3
- [401k Audits – 7 Mistakes Companies and Plan Sponsors Make](https://retirementpartnersofcalifornia.com/401k-audits-dol-dept-of-labor-retirement-plan-audits/) - Recently I sat down with a Certified Public Accountant (CPA) who specializes in auditing 401k plans. Large 401k plans are required to be audited under Employee Retirement Income Security Act (ERISA). Bradley shared with me 7 problem areas for plan sponsors that he sees exposing the company and plan fiduciaries (Not sure if you’re a
- [Traditional vs. Roth - Which IRA is better?](https://retirementpartnersofcalifornia.com/traditional-roth-ira-401k-better/) - Roth 401k and Roth IRA vs. traditional IRA and 401k: How to choose which one is right for you A question I am often asked is “Should I contribute to a Roth IRA or Traditional IRA?”. A similar discussion occurs during my 401k enrollment meetings when I discuss Traditional 401k and Roth 401k contributions. Unfortunately,
- [Can Deferred Comp Plans Really Help Employees Increase Retirement Plan Contributions?](https://retirementpartnersofcalifornia.com/deferred-comp-plans-help-employees-increase-retirement-contributions/) - Deferred Compensation Plans Can Help Your Employees Save More and Help Your Company Attract and Retain Top Employees Have you ever had a problem but didn’t think there was a solution, so you never asked for help? We all have. Here’s what I mean: Imagine life 100 years ago. You’re riding a horse around. You
- [Mega Backdoor Roth Strategy](https://retirementpartnersofcalifornia.com/mega-backdoor-roth/) - Recently a client wanted to switch their 401(k) Plan Provider in order to take advantage of the Mega Backdoor Roth IRA. I’ve helped many clients take advantage of this tax strategy but I’ve never had a client want to move their 401k plan to a new provider for that reason. Not familiar with the Mega
- [Should We Pay 401(k) Plan Expenses From Company Asset or Plan Asset?](https://retirementpartnersofcalifornia.com/pay-401k-plan-assets-from-company-assets-or-plan-assets/) - This month we have a question about how to pay plan expenses and what is the best option from a fiduciary liability standpoint… Erick, with two options for paying 401(k) plan expenses — either from company assets or plan assets — we wonder if there is a fiduciary argument for one over the other.
- [Four Investing Risks 401k Participants May Not Know They’re Facing](https://retirementpartnersofcalifornia.com/investing-risks-401k-participants-may-not-know/) - Life involves risk. One of them is retirement, and whether the money we save to fund it will last. Do your employees understand their investing risk, and actions they can take now to manage it? A recent survey found that retirement security may be threatened by these four risk factors: longevity, behavior, market conditions and
- [Signing for 401k Account Beneficiaries During Coronavirus and Social-Distancing](https://retirementpartnersofcalifornia.com/401k-account-beneficiaries-during-coronavirus/) - Q: One of our workers wants to designate his children, rather than his wife, as beneficiaries of his 401(k) plan accounts. He is required to sign the documents in front of a live witness, but because of COVID-19, he is concerned about doing so. What can we do? A: The Internal Revenue Service recently issued
- [Is Moving 401k to a Money Market Funds a Good Strategy During Market Volatility?](https://retirementpartnersofcalifornia.com/is-moving-401k-to-money-market-funds-a-good-strategy-during-market-volatility/) - Happy New Year! We begin this year with a great question about market volatility and what you can say and can’t say to employees. Here’s our first edition of Ask Erick… Erick, the ups and downs in the stock market have made some of our 401(k) plan participants very nervous, to the point that
- [Did Many Employees Take 401k Distributions During Coronavirus](https://retirementpartnersofcalifornia.com/employee-401k-distributions-during-coronvirus/) - Q: Early in the pandemic, we were very concerned that employees would take as much money as they could out of our 401(k) plan. That didn’t happen. How have other companies (and their plans) fared with 401k distributions? A: Your experience seems similar to what others have experienced. A survey conducted jointly by Commonwealth and
- [IRS UPDATE: Updated 402(f) Distribution Notices](https://retirementpartnersofcalifornia.com/irs-update-402f-distribution-notices/) - IRS UPDATE: Updated 402(f) Distribution Notices Plan sponsors are required to provide a written explanation of plan distribution options and tax consequences to participants who qualify to take a distribution from the plan that is eligible to be rolled over. This distribution notice (called a 402(f) Distribution Notices) must generally explain: Rollover rules n Special
- [401k ERISA Plan Sponsor Quarterly Calendar for Q1 2021](https://retirementpartnersofcalifornia.com/401k-erisa-plan-sponsor-quarterly-calendar/) - Plan Sponsor’s Quarterly Calendar We know, as a Plan Sponsor, you have a lot going on. So here’s a list of important To-Dos and dates for compliance with ERISA for 2021: January Send payroll and employee census data to the plan’s recordkeeper for plan-year-end compliance testing (calendar-year plans). Audit fourth quarter payroll and plan deposit
- [Women and Retirement: Expectations Met or Missed?](https://retirementpartnersofcalifornia.com/women-and-retirement-expectations-met-or-missed/) - As of late March 2020, the number of Americans expressing confidence in their ability to live comfortably in retirement was at near-record highs. Of course, since that time pandemic-related market flux may have changed the numbers. Because many surveys covering retirement are conducted only once a year, with results released several months after the information
- [Is it OK to Allow Employees to Stay in a 401k Fund After We Remove it from the Lineup?](https://retirementpartnersofcalifornia.com/ok-allow-employee-remain-in-investment-after-we-remove-it/) - This month we have a question about how to handle the money invested in 401k funds in the lineup that you are replacing… Erick, we’d like to make some changes in our plan investment menu. There are participants with money invested in the 401k funds we have identified to eliminate. Is it a good
- [DOL UPDATE: Lifetime Income Disclosures Required](https://retirementpartnersofcalifornia.com/dol-update-lifetime-income-disclosures-required/) - Congress, the DOL, and the IRS have all made efforts over the past decade to evaluate the role of lifetime income strategies in defined contribution retirement plans. This is in part because defined contribution (e.g., 401(k)) plan participants bear the investment risk for their retirement savings, as well as the burden of determining how much
- [What is a 401k Investment Policy Statement (IPS)?](https://retirementpartnersofcalifornia.com/what-is-ips-investment-policy-statement/) - An investment policy statement (IPS) is a document drafted between a portfolio manager and a client that outlines general rules for the manager. This statement provides the general investment goals and objectives of a client and describes the strategies that the manager should employ to meet these objectives. Specific information on matters such as asset
- [Help Your Employees With Financial Planning and Financial Goal Setting](https://retirementpartnersofcalifornia.com/help-your-employees-financial-planning-financial-goal-setting/) - Is your 401k advisor meeting with your employees to provide them the advice and guidance they need to pursue their retirement income goals?
- [IRS Opens 401k Plan Restatement Window. Here’s Why You Should Care](https://retirementpartnersofcalifornia.com/irs-401k-plan-restatement-window/) - Is your 401k advisor meeting with your employees to provide them the advice and guidance they need to pursue their retirement income goals?
- [Tax Deduction and Identity Protection Reminders For Your 401k Retirement Plan Participants](https://retirementpartnersofcalifornia.com/tax-deduction-identifty-protection-reminders-401k-retirement-plan-participants/) - Is your 401k advisor meeting with your employees to provide them the advice and guidance they need to pursue their retirement income goals?
- [Do Your Employees Know When to Take Their Social Security Benefit?](https://retirementpartnersofcalifornia.com/do-your-employees-know-when-take-social-security/) - Is your 401k advisor meeting with your employees to provide them the advice and guidance they need to pursue their retirement income goals?
- [Ask Erick: Can an Employee Not Sign a 401k Beneficiary Document in Person During Coronavirus?](https://retirementpartnersofcalifornia.com/employee-wants-sign-401k-beneficiary-document-during-coronavirus/) - Q: Hi Erick, one of our workers wants to designate his children, rather than his wife, as beneficiaries of his 401(k) plan accounts. He is required to sign the documents in front of a live witness, but because of COVID-19, he is concerned about doing so. What can we do? A: The Internal Revenue Service
- [Adding Social Conscious Funds to Your 401k Plan](https://retirementpartnersofcalifornia.com/adding-social-conscious-funds-401k/) - In the next edition of "Ask Erick", we discuss a rapidly growing trend in the retirement plan industry... adding social awareness funds to your 401(k) Plan lineup. Q: Hey Erick! We are interested in adding socially conscious investments to our 401(k) plan menu, and we’re wondering if there is anything special we should know
- [Bridging the Gap Between Plan Sponsors and Their Fiduciary Responsibility](https://retirementpartnersofcalifornia.com/bridging-the-gap-between-plan-sponsors-and-their-fiduciary-responsibility/) - Since 1974 when ERISA was first enacted, plan sponsors have understood the “prudent person”1 rule that they must follow as fiduciaries, and the personal liability they face for losses caused by a breach of that duty.2 Today, new regulations mandating full fee transparency, a potentially expanding definition of fiduciary duties, and greater enforcement actions by the
- [Fiduciary Issues and Coronavirus: What You Should Know](https://retirementpartnersofcalifornia.com/fiduciary-issues-coronavirus-what-you-should-know/) - They may have moved to the figurative back seat for a while, but retirement plan fiduciary issues did not stop during the Coronavirus pandemic. As you sift through what has happened in the last few months, you’ll want to pay close attention to fiduciary responsibilities with your 401(k) plan. Fallout from previous recessions demonstrated, for
- [Ask Erick: Did Many Employees Take Money Out of Their 401k During Coronavirus?](https://retirementpartnersofcalifornia.com/ask-erick-401k-loans-during-coronavirus/) - Did many employees take as much money as they could out of 401(k) plan?
- [SECURE Act Changes Loom](https://retirementpartnersofcalifornia.com/secure-act-changes-loom/) - Check these items off your to-do list Remember 2019? It was in December of that year (which seems very long ago now) that the SECURE Act was signed into law. Today, as COVID-19 continues raging around the world, the SECURE Act may have slipped off your radar in favor of other pressing issues. But make

## Pages

- [401k Fiduciary Advisor in Santa Clarita](https://retirementpartnersofcalifornia.com/) - Trusted Fiduciary 401k Advisor for Your Business and EmployeesWe provide Fiduciary guidance, help lower costs, and empower your employees with the 401(k) and the advice they need to pursue their retirement goals.Book a Free Consultation* Special offer: Get a full comprehensive analysis of your company 401k Plan fees, performance, and fiduciary liability (a $1,200 value!)
- [About Retirement Partners of CA | 401k Advisors](https://retirementpartnersofcalifornia.com/about-retirement-partners-advice-401k-plan/) - About Retirement Partners of CaliforniaWe focused on fixing retirement plans before Simon said “Start with Why?” Years before Simon Sinek spoke about the “Power of Why”, I found my “Why” in employer-sponsored retirement plans like 401k and Defined Benefit Pension Plans. My clients were hard-working businesses trying to retain their employees and their employees trying
- [Solo 401k or SEP IRA - Best Retirement Plan for Self-Employed](https://retirementpartnersofcalifornia.com/solo-k-401k-sep-ira-best-retirement-plan-self-employed/) - Solo 401(k) - Retirement Planning for Self-EmployedSolo-K vs. SEP IRA: Which is better for Self-Employed? Recently, I’ve had quite a few consultations with new clients looking to open Solo 401k Plans. They are solo entrepreneurs (aka “solopreneurs”) and they want to discuss what options they have to save for retirement. Most people are familiar with
- [401k Safe Harbor Plan](https://retirementpartnersofcalifornia.com/401k-safe-harbor-plan/) - Our 401(k) Advisory Services: Plan DesignWhat is a 401(k) Safe Harbor Plan? A Safe Harbor 401(k) plan is a type of 401(k) with an employer contribution or match that allows you to avoid most annual compliance tests. Since failing annual compliance tests can be costly and time-consuming, Safe Harbor contributions are a popular option in
- [401k Best Practices Offer](https://retirementpartnersofcalifornia.com/401k-retirement-plan-best-practices-checklist/) - ARE YOU USING BEST PRACTICES?Get Our Best Practices Checklist for 401(k) Retirement Plans We created the 401(k) Best Practices Checklist to help our clients offer the best retirement plan possible to their employees and to help employees pursue their retirement goals. We have helped many companies improve their 401(k) Retirement Plan. Now, in our continued
- [Download 401k Retirement Plan Best Practices](https://retirementpartnersofcalifornia.com/download-401k-retirement-plan-best-practices/) - Congratulations! The 401(k) Best Practices Checklist is Yours!DOWNLOAD OUR 401K BEST PRACTICES CHECKLISTOur Gift to You!Ensure Your Plan is Using Best Practices.FreeDownload
- [Cash Balance Plans: Larger Tax Deductions and Increased Retirement Savings](https://retirementpartnersofcalifornia.com/cash-balance-plans/) - Our 401(k) Advisory ServicesHow Can Cash Balance Plans Increase Our Tax Deductions? A Cash Balance plan is a type of retirement plan that belongs to the same general class of plans known as “Qualified Plans.” A 401(k) is a qualified plan which means this plan “qualifies” for tax deferral and creditor protection under ERISA. In
- [401k Investment Fiduciary](https://retirementpartnersofcalifornia.com/401k-fiduciary-investment/) - Fiduciary Services for Your Retirement PlanAdvice and Guidance to Determine Which Fiduciary Services Are Right for Your Company A Fiduciary Overview How plan sponsors can outsource the tasks and liability associated with their retirement plans. Reduce Your Responsibilities What is a fiduciary? The law defines a fiduciary as an individual who is in a position
- [401k and Pension Plan Articles](https://retirementpartnersofcalifornia.com/401k-pension-plan-retirement-articles/) - 401(k) Tips for Plan FiduciariesFiduciary Tips, Rules and Regulations, and Best Practices
- [Profit Sharing Plans](https://retirementpartnersofcalifornia.com/profit-sharing-plans/) - Our 401(k) Advisory ServicesCan We Increase Tax Deductions and Improve Employee Retention with a Profit Sharing Plan? Profit Sharing Plans Small businesses choose to add Profit Sharing plans to their 401(k) because they want to help employees plan for retirement by contributing to their employee’s retirement accounts and to increase their annual tax deductions. A
- [401k Advice Services](https://retirementpartnersofcalifornia.com/advice-for-401k-retirement-plan/) - Our 401(k) Advisory ServicesAdvice and Guidance for You and Your Employees is Here. We provide our retirement plan advice and guidance because employees don’t get the 401(k), the education, or the service they need to successfully achieve their retirement goals. Our 401k Retirement Plan Consulting team is not just interested in helping you set up
- [Pre-Order](https://retirementpartnersofcalifornia.com/pre-order/) - Pre-Order the BookPRE-ORDER THE HARD COVER BEFORE FULL RELEASESAMPLEDownload PDF sample for freeFREEGet it on your emailEBOOKPerfect for Kindle, PDF and ePub$19Pre-Order TodayHARDCOVERHardcover and eBook included. Pre-Order discount -$10$29Pre-Order Today Erick has been an unbiased and active partner with our 401k plan. Recently, he conducted an all-employee introduction/enrollment meeting for our company where he was
- [Journal](https://retirementpartnersofcalifornia.com/journal/) - The JournalSTORIES FROM MY LIFE

## Testimonials

- [Robert, President of Remo, Inc., Gave Us a 5 Star Google Review!](https://retirementpartnersofcalifornia.com/testimonials/google-5-star-401k-advisor-fiduciary-review/) - Erick has been the 401k and Wealth Advisor for my company for several years. He is knowledgeable, professional, and most importantly he cares for my company and employees. Every consideration is given to provide the best service and benefits to our employees. Erick is extremely patient and prioritizes educating every client to ensure that they
- [Donna, HR Director at DanceOne Gave Us a 5-Star Google Review](https://retirementpartnersofcalifornia.com/testimonials/donna-hr-director-at-break-the-floor-gave-us-a-5-star-google-review/) - Erick has been an unbiased and active partner with our 401k plan. Recently, he conducted an all-employee introduction/enrollment meeting for our company where he was very thorough with presenting the plan and answering all questions - we received great feedback from our employees! He's very focused on our employees' financial success and providing the best
- [Noelle, HR Mgr at Starpower Talent, Gave Us a 5 Star Google Review!](https://retirementpartnersofcalifornia.com/testimonials/noelle-hr-mgr-at-star-power-talent-gave-us-a-5-star-google-review/) - Erick's enthusiasm towards educating and assisting his clients to retirement success is contagious and incredible! He's thorough, engaging, and speaks in a language we all can understand and appreciate. You can tell he truly cares about this and doesn't just go through the motions. We are so grateful for his knowledge and care for our
- [Brittaney, GM at Stone Age Granite, Gives Us a 5 Star Google Review!](https://retirementpartnersofcalifornia.com/testimonials/401k-retirement-plan-advisor-5-star-review-google-stone-age-granite/) - Erick Arndt has quickly become my specialist for all things 401(k). I run an office for a small business and when you are setting up anything new, but especially something involving money, it is stressful. Erick truly helped me through the process and helped me through my anxious moments. He is very knowledgeable and quick
- [Linda, Owner of Right Choice Home Care, Gave Us a 5 Star Google Review!](https://retirementpartnersofcalifornia.com/testimonials/401k-retirement-plan-advisor-5-star-review-google-right-choice-home/) - Erick simplified the 401K process and made my life easier. I so appreciated that he answered every question quickly and with clarity. Take the time and call him.
- [Herb M, Director of Technical Services in Glendale, CA Gave Us a 5-star Google Review!](https://retirementpartnersofcalifornia.com/testimonials/401k-advisor-review-5-star-google/) - Erick has been amazing. Very responsive and helpful. We have used him for a couple of years and I am very glad our company switched over to his services. This has been a big win for our company and me as the administrator.
- [Karen P., HR Director in Santa Clarita, CA Gave Us a 5 Star Review on Google!](https://retirementpartnersofcalifornia.com/testimonials/401k-retirement-plan-advisor-5-star-review-google/) - Erick Arndt has been instrumental in helping us maintain our 401k program, especially during these tumultuous times. He's extremely knowledgeable and has made investing easier to understand for our team. I would absolutely recommend Erick to anyone looking for an investment advisor.
- [Jeremy L, CEO at Vision QC, Gives Us a 5 Star Google Review!](https://retirementpartnersofcalifornia.com/testimonials/401k-retirement-plan-advisor-5-star-review-google-vision-qc/) - Erick helped us establish a 401K program for one of our companies over 10 years ago. He made it so easy, working with all of us throughout the onboarding process and developing plans for our successful futures. He has always been there for us when needed, so it was a no brainer that we chose
- [Niki B, CEO at AesculaTech, Gives Us a 5 Star Google Review!](https://retirementpartnersofcalifornia.com/testimonials/401k-retirement-plan-advisor-5-star-review-google-aesculatech/) - Erick, thank you very much for all of your help and thoughtful advice. You really made planning my coursework efficient and stress free, and I wouldn't be as far ahead in my financial goals as I am, without you. I appreciate everything you've done for me.
- [Nicole M, Principal at Nicole Michael Designs, Gives Us a 5 Star Google Review!](https://retirementpartnersofcalifornia.com/testimonials/401k-retirement-plan-advisor-5-star-review-google-nicole/) - I have been a client of Erick's for over 10 years. In that time he has always had my best interest in mind. His commitment to me allowed us to easily/synergistically communicated our ideas back in forth in order to create the best plan for my future. Erick really wanted to understand my priorities as

## Categories

- [Uncategorized](https://retirementpartnersofcalifornia.com/category/uncategorized/)
- [Regulatory and Legislation](https://retirementpartnersofcalifornia.com/category/401k-regulation-legislation/) - Employer Sponsored Retirement Plan legislation changes and regulatory changes for 401k, Defined Benefit, Pension, Profit Sharing, Cash Balance and all plans governed by ERISA.
- [Financial Wellness](https://retirementpartnersofcalifornia.com/category/financial-wellness-employeers/) - Includes all employee education to improve financial education and financial health. This includes debt elimination, life insurance, budget and cash flow, investing, saving, estate planning and wills.
- [Retirement Plan Management](https://retirementpartnersofcalifornia.com/category/retirement-plan-management/)
- [Pensions](https://retirementpartnersofcalifornia.com/category/pensions/)
- [In-Plan Guarantee](https://retirementpartnersofcalifornia.com/category/in-plan-guarantee/)
- [Finance](https://retirementpartnersofcalifornia.com/category/finance/)

## Tags

- [Fiduciary](https://retirementpartnersofcalifornia.com/tag/fiduciary/)
- [ERISA](https://retirementpartnersofcalifornia.com/tag/erisa/)
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- [COVID-19](https://retirementpartnersofcalifornia.com/tag/covid-19/)
- [401k loans](https://retirementpartnersofcalifornia.com/tag/401k-loans/)
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- [form 5500](https://retirementpartnersofcalifornia.com/tag/form-5500/)
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- [women and money](https://retirementpartnersofcalifornia.com/tag/women-and-money/)
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- [Roth 401k](https://retirementpartnersofcalifornia.com/tag/roth-401k/)
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- [Deferred Comp Plans](https://retirementpartnersofcalifornia.com/tag/deferred-comp-plans/)
- [retirement plan design](https://retirementpartnersofcalifornia.com/tag/retirement-plan-design/)
- [3(38)](https://retirementpartnersofcalifornia.com/tag/338/)
- [investment fiduciary](https://retirementpartnersofcalifornia.com/tag/investment-fiduciary/)
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- [employee advice](https://retirementpartnersofcalifornia.com/tag/employee-advice/)
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- [profit sharing plan](https://retirementpartnersofcalifornia.com/tag/profit-sharing-plan/)
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- [investment fees](https://retirementpartnersofcalifornia.com/tag/investment-fees/)
- [SOC-1](https://retirementpartnersofcalifornia.com/tag/soc-1/)
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- [small business tax advantages](https://retirementpartnersofcalifornia.com/tag/small-business-tax-advantages/)
- [wildfires](https://retirementpartnersofcalifornia.com/tag/wildfires/)
- [401k withdraw](https://retirementpartnersofcalifornia.com/tag/401k-withdraw/)
- [retirement planning](https://retirementpartnersofcalifornia.com/tag/retirement-planning/)
- [retirement confidence](https://retirementpartnersofcalifornia.com/tag/retirement-confidence/)
- [COVID-10](https://retirementpartnersofcalifornia.com/tag/covid-10/)
- [Kiplinger](https://retirementpartnersofcalifornia.com/tag/kiplinger/)
- [Tax-deferred](https://retirementpartnersofcalifornia.com/tag/tax-deferred/)
- [tax-free](https://retirementpartnersofcalifornia.com/tag/tax-free/)
- [hdhp](https://retirementpartnersofcalifornia.com/tag/hdhp/)
- [high deductible health plan](https://retirementpartnersofcalifornia.com/tag/high-deductible-health-plan/)
- [IRA](https://retirementpartnersofcalifornia.com/tag/ira/)
- [medicare](https://retirementpartnersofcalifornia.com/tag/medicare/)
- [Financial wellness](https://retirementpartnersofcalifornia.com/tag/financial-wellness/)
- [Student debt matching contributions](https://retirementpartnersofcalifornia.com/tag/student-debt-matching-contributions/)
- [Emergency savings accounts](https://retirementpartnersofcalifornia.com/tag/emergency-savings-accounts/)
- [Health Savings Accounts](https://retirementpartnersofcalifornia.com/tag/health-savings-accounts/)
- [Target date funds](https://retirementpartnersofcalifornia.com/tag/target-date-funds/)
- [managed accounts](https://retirementpartnersofcalifornia.com/tag/managed-accounts/)
- [fiduciary guidance](https://retirementpartnersofcalifornia.com/tag/fiduciary-guidance/)
- [401k advisor](https://retirementpartnersofcalifornia.com/tag/401k-advisor/)
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- [fund expense ratios](https://retirementpartnersofcalifornia.com/tag/fund-expense-ratios/)
- [Retirement Tips](https://retirementpartnersofcalifornia.com/tag/retirement-tips/)
- [plan sponsor calendar](https://retirementpartnersofcalifornia.com/tag/plan-sponsor-calendar/)
- [retirement plans](https://retirementpartnersofcalifornia.com/tag/retirement-plans/)
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- [Debt](https://retirementpartnersofcalifornia.com/tag/debt/)
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- [retirement](https://retirementpartnersofcalifornia.com/tag/retirement/)
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- [fidelity study](https://retirementpartnersofcalifornia.com/tag/fidelity-study/)
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- [fiduciary advisor](https://retirementpartnersofcalifornia.com/tag/fiduciary-advisor/)
- [lower income](https://retirementpartnersofcalifornia.com/tag/lower-income/)
- [inclusive 401k](https://retirementpartnersofcalifornia.com/tag/inclusive-401k/)
- [plan amendments](https://retirementpartnersofcalifornia.com/tag/plan-amendments/)
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- [catch-up contributions](https://retirementpartnersofcalifornia.com/tag/catch-up-contributions/)
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- [recordkeeping](https://retirementpartnersofcalifornia.com/tag/recordkeeping/)
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- [highly compensated employees](https://retirementpartnersofcalifornia.com/tag/highly-compensated-employees/)
- [401k refunds and excess contributions](https://retirementpartnersofcalifornia.com/tag/401k-refunds-and-excess-contributions/)
- [529](https://retirementpartnersofcalifornia.com/tag/529/)
- [college savings](https://retirementpartnersofcalifornia.com/tag/college-savings/)
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- [part-time workers](https://retirementpartnersofcalifornia.com/tag/part-time-workers/)
- [women and wealth](https://retirementpartnersofcalifornia.com/tag/women-and-wealth/)
- [RMD](https://retirementpartnersofcalifornia.com/tag/rmd/)
- [annuity](https://retirementpartnersofcalifornia.com/tag/annuity/)
- [guaranteed income](https://retirementpartnersofcalifornia.com/tag/guaranteed-income/)
- [financial education](https://retirementpartnersofcalifornia.com/tag/financial-education/)
- [participant communication](https://retirementpartnersofcalifornia.com/tag/participant-communication/)
- [sponsor fiduciary](https://retirementpartnersofcalifornia.com/tag/sponsor-fiduciary/)
- [401k plan design](https://retirementpartnersofcalifornia.com/tag/401k-plan-design/)
- [interest rate](https://retirementpartnersofcalifornia.com/tag/interest-rate/)
- [roth](https://retirementpartnersofcalifornia.com/tag/roth/)
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- [tax deduction](https://retirementpartnersofcalifornia.com/tag/tax-deduction/)
- [retirement savings](https://retirementpartnersofcalifornia.com/tag/retirement-savings/)
- [NQDC](https://retirementpartnersofcalifornia.com/tag/nqdc/)
- [golden handcuffs](https://retirementpartnersofcalifornia.com/tag/golden-handcuffs/)
- [catch-up](https://retirementpartnersofcalifornia.com/tag/catch-up/)
- [voluntary](https://retirementpartnersofcalifornia.com/tag/voluntary/)
- [auto enrollment](https://retirementpartnersofcalifornia.com/tag/auto-enrollment/)
- [mandate](https://retirementpartnersofcalifornia.com/tag/mandate/)
- [investment costs](https://retirementpartnersofcalifornia.com/tag/investment-costs/)
- [employee fees](https://retirementpartnersofcalifornia.com/tag/employee-fees/)
- [emergency funds](https://retirementpartnersofcalifornia.com/tag/emergency-funds/)
- [retiree education](https://retirementpartnersofcalifornia.com/tag/retiree-education/)
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- [fiduciary services](https://retirementpartnersofcalifornia.com/tag/fiduciary-services/)
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- [social security benefits](https://retirementpartnersofcalifornia.com/tag/social-security-benefits/)
- [income generation](https://retirementpartnersofcalifornia.com/tag/income-generation/)
- [asset management](https://retirementpartnersofcalifornia.com/tag/asset-management/)
- [healthcare costs](https://retirementpartnersofcalifornia.com/tag/healthcare-costs/)
- [compliance](https://retirementpartnersofcalifornia.com/tag/compliance/)
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- [plan documentation](https://retirementpartnersofcalifornia.com/tag/plan-documentation/)
- [plan design](https://retirementpartnersofcalifornia.com/tag/plan-design/)
- [diversification](https://retirementpartnersofcalifornia.com/tag/diversification/)
- [health risk](https://retirementpartnersofcalifornia.com/tag/health-risk/)
- [stable value funds](https://retirementpartnersofcalifornia.com/tag/stable-value-funds/)
- [guaranteed investment contracts](https://retirementpartnersofcalifornia.com/tag/guaranteed-investment-contracts/)
- [Savers Match](https://retirementpartnersofcalifornia.com/tag/savers-match/)
- [IRS guidance](https://retirementpartnersofcalifornia.com/tag/irs-guidance/)
- [Early withdrawal](https://retirementpartnersofcalifornia.com/tag/early-withdrawal/)
- [adp test](https://retirementpartnersofcalifornia.com/tag/adp-test/)
- [top heavy test](https://retirementpartnersofcalifornia.com/tag/top-heavy-test/)
- [nondiscrimination testing](https://retirementpartnersofcalifornia.com/tag/nondiscrimination-testing/)
- [401k annual test](https://retirementpartnersofcalifornia.com/tag/401k-annual-test/)
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