Category Archives: Retirement Plans

After Vermont decided to proceed with sponsoring an open multiple employer plan (MEP), legislation proposed would make Massachusetts the second state to sponsor a 401(k) MEP. Prior to May 2012, we had a decent market for open MEPs, open meaning … Continue reading →

My latest newsletter geared towards retirement plan professionals can be found here.

My latest article for JDSupra.com can be found here.

I first started paying for my own vehicle when I got my first job as an ERISA attorney, It was a brand new1998 Toyota Camry. I was looking for car insurance and the best rate was through an insurance company … Continue reading →

After word leaked that proposal for tax reform may include a provision limiting pre-tax salary deferrals to $2,400, President trump said any proposal limiting deferrals wasn’t likely. Then about a day or so later, Trump said that discussion about limiting … Continue reading →

My latest article on JDSupra.com can be found here.

I always say that the reason I’ve never hired an employee is because I was an employee once too. I say that the problem with the employee-employer relationship is that no employee thinks they get paid too much and no … Continue reading →

The snowball effect is a term for a process that starts from something that is small and builds upon itself, becoming larger and also perhaps potentially dangerous or disastrous. The idea is that an avalanche can be started by a single, … Continue reading →

A good chunk of my work as an ERISA attorney is working with financial advisory firms in managing their retirement plan practice especially with 401(k) plans. I have many registered investment advisory clients around the country and I counsel them … Continue reading →

History has shown that when it comes to tax reform, certain personal deductions are sacrificed for lower rates. Ask people who had deductible IRAs and deducted their credit card interest prior to 1986. Simpler, lower rates must be met by … Continue reading →