News from Kampstra Wealth Management
Cash Balance Plans Are Booming — Need a Quick Refresher?
Cash balance plans have emerged as a solution to many challenges plans face — and they have grown explosively, according to an industry expert in a recent panel discussion. So the timing is right for a refresher on how those plans work, particularly if they occupy an increasingly prominent place in the retirement saving landscape.
IRS Releases Roth Catch-up Regulations
Starting January 1, 2026, employees earning above the annual threshold (currently about $145,000, indexed each year) must make their catch-up contributions on a Roth (after-tax) basis.
Supreme Court Lowers Bar for ERISA Lawsuits
A recent Supreme Court ruling has changed the rules of the game for retirement plan lawsuits — and it could make life more challenging for plan sponsors.
Orchestrating Your Retirement Accounts
The typical retirement strategy is built on the pillars of your 401(k) plan, your Traditional IRA, and taxable savings. Getting the instruments of your retirement to work in concert has the potential to help you realize the retirement you imagine.
Opening the Door Wider to Private Equity
n August 7, President Trump signed an executive order intended to expand access to private equity (PE) and other alternative assets in retirement plans. This is a complex topic for plan sponsors, who must weigh multiple factors before adding PE to their lineup.
Turning a New Leaf: September
As the leaves begin to change and temperatures cool down, September offers a quiet focus that replaces summer’s chaos.
Guiding 60-Somethings Through the Final Stretch of Retirement Planning
Participants in their 60s are poised on the cusp of retirement, where every move can have big consequences. Plan sponsors have a critical opportunity to support late-career workers’ retirement planning efforts by providing relevant tools and communication strategies that help them make more informed choices during these critical years.
Paying Off Debt? Start Here
Part of prudently managing debt is making sure you have a plan to repay what you borrow. Of course, any plan starts with a solid grasp of your budget and a full emergency fund! While it may seem counterproductive to begin with saving before paying down debt, let’s discuss why these two planks make the best foundation.
How Legislation, Location, and Longevity Are Shaping Retirement Readiness
Even the most precise retirement planning calculations don’t exist in a vacuum; factors like geography, public policy, and life expectancy can shape how those numbers play out in real life. Plan sponsors have an opportunity to support more informed, context-aware decision-making by helping to address these broader considerations.
3 Ways to Retire with Confidence
Frequently, the news about retirement is pretty pessimistic. Pensions no longer exist for most workers, we aren’t saving enough, and Social Security is going to disappear. However, things may not be as bleak as they are often painted. Retirement plan consultants suggest three ways that anyone can use to help them retire.
News Archive
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