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Spectrum Resource Center

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Tax Talk - Q4 Edition

In this issue of Tax Talk, Spectrum updates you on important compliance deadlines coming up for defined contribution plans and provides a quick reminder to use your plan forfeitures no later than the end of the plan year following the plan year during which the forfeiture occurred.
October 8, 2024 By Nick Stucko Education   Comments Read More >>
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Retirement Plans and Potential Election Impacts

The period leading up to a US election, and this 2024 election year is no exception, often brings increased market volatility due to uncertainty surrounding potential policy changes. Investors may react to campaign news and political developments, which can lead to short-term fluctuations in both the stock and bond markets. To further add to the uncertainty, we have seen the first of potentially a series of Federal Reserve fed funds interest rate cuts as inflation declines and nears closer to the Fed’s target of 2%.
October 8, 2024 By Nick Stucko Education   Comments Read More >>
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Rethinking Retirement from a Generational Perspective

Retirement is a topic that holds different meanings for individuals across different generations. Each generation brings its unique perspective to the table, shaped by their experiences and events and attitudes that shaped their lives. Post-pandemic, with respect to retirement, we have seen even more diverse attitudes and expectations surrounding this significant life stage.
October 8, 2024 By Nick Stucko Education   Comments Read More >>
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State-Mandated Auto-IRA Programs – Boosting Retirement Readiness

Retirement readiness is a significant concern for many employees in the US. The reality is that many Americans may not be adequately prepared, from a financial perspective, for a comfortable retirement. There is also a significant retirement plan coverage gap, especially among small businesses that may not believe that they have the resources or expertise on hand to provide employees with an employer-sponsored retirement plan.
September 10, 2024 By Nick Stucko Education   Comments Read More >>
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ERISA Workplace Retirement Plan Limits

The federal government annually publishes updated qualified retirement plan limits, which impact the contributions, benefit accruals, and compliance of ERISA covered qualified retirement plans. The below tables summarize the most significant changes in recent history.