News from Kampstra Wealth Management
401(k) Check-ins Can Help You Stay on Track
While automatic features remain powerful allies in your savings strategy, you may also want to ensure your overall approach to retirement savings reflects any significant life events, like marriage, kids, job and income changes, and shifting financial priorities.
Lawmakers Introduce Bipartisan Bill to Simplify and Streamline Form 5500 Reporting
House members on the Education and Workforce Committee have introduced legislation aimed at making the annual filing of Form 5500 — the federal return employee benefit plan sponsors must submit to the Department of Labor, IRS and Pension Benefit Guaranty Corporation — easier and less burdensome.
Understanding the New Student Loan Repayment Assistance Plan (RAP)
A new program called the Repayment Assistance Plan (RAP) will soon become the primary income-based repayment option for federal student loan borrowers. At the same time, several existing programs—including SAVE, PAYE, and Income-Contingent Repayment (ICR)—will be phased out over the next few years.
Household Spending Data Reveals Participant Borrowing Patterns
A December 2025 study conducted by the Employee Benefit Research Institute (EBRI) and J.P. Morgan Asset Management sheds light on what drives participants to take out 401(k) loans and how those funds are used.
Women and Retirement
Perseverance and prudent planning can help you feel more confident about the future. Still, as a women investor, you’re faced with additional challenges. It’s important to understand these challenges and factor them into your plan.
Student Loan Burden Lingers Beyond Repayment—Especially for Private Sector Workers
While student loan debt affects financial well-being for workers in both sectors, particularly those who still carry balances, the study found that public sector employees are less likely to feel the ongoing financial strain after their loans are paid off, while private sector employees also experience financial strain, even after paying off their loans, reflecting a unique phenomenon called a “debt-overhang” effect.
How Income Taxes Work
As complex as the details of taxes can be, the income tax process is fairly straightforward. However, the majority of Americans would rather not spend time with the process, which explains why half hire a tax professional to assist in their annual filing.
PEPs Gaining Ground, But One Size May Not Fit Al
The Department of Labor (DOL) is asking for public input on how to support small businesses that want to adopt pooled employer plans (PEPs), a signal that regulators see these arrangements as one way to help close the coverage gap. PEPs have gained significant traction since they first became effective in 2021.
Sticky Saving Goals to Suit Your Personality
A study of more than 2,400 individuals published by American Psychologist found that people tend to save more successfully when their savings goals fit their personality — specifically their “Big Five” personality traits.
Talking Retirement Across Generations
In today’s workforce, the demographic ages range from Gen Z to Baby Boomers. This is a gap of approximately 60 years! Plan sponsors should be adjusting their communication strategies to better reach each generation.
News Archive
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