Podcast Episodes
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[Retirement] 14, Pension Plan Types
Season 3 Episode 14
Include defined benefit, cash balance, money purchase, and target benefit plans, each with unique funding and benefit structures. --
The CFP Exam is known for its difficulty, and as I embark on this l…
Published on 11 months, 2 weeks ago
[Retirement] 13, Plan Limits
Season 3 Episode 13
Contribution limits for defined contribution plans are capped at the lesser of 100% of compensation or a specified dollar amount. --
The CFP Exam is known for its difficulty, and as I embark on this l…
Published on 11 months, 2 weeks ago
[Retirement] 12, Top-Heavy Plans
Season 3 Episode 12
Require additional contributions for non-key employees if key employees hold more than 60% of plan assets. --
The CFP Exam is known for its difficulty, and as I embark on this learning journey, I’ve f…
Published on 11 months, 2 weeks ago
[Retirement] 11, Vesting Schedules
Season 3 Episode 11
Defined contribution plans often use a 2-6 year graduated or 3-year cliff vesting schedule. --
The CFP Exam is known for its difficulty, and as I embark on this learning journey, I’ve found it to be q…
Published on 11 months, 2 weeks ago
[Retirement] 20, Stock Bonus Plans
Season 3 Episode 20
Allow employers to contribute stock, with tax benefits for net unrealized appreciation on distributions. --
The CFP Exam is known for its difficulty, and as I embark on this learning journey, I’ve fou…
Published on 11 months, 2 weeks ago
[Retirement] 18, 401(k) Plans
Season 3 Episode 18
Allow employee deferrals, often with employer matching, and are subject to ADP and ACP nondiscrimination tests. --
The CFP Exam is known for its difficulty, and as I embark on this learning journey, I…
Published on 11 months, 2 weeks ago
[Retirement] 17, Profit Sharing Plans
Season 3 Episode 17
Contributions are discretionary but must be substantial and recurring, with limits based on employer compensation. --
The CFP Exam is known for its difficulty, and as I embark on this learning journey…
Published on 11 months, 2 weeks ago
[Retirement] 16, Social Security Integration
Season 3 Episode 16
Allows plans to provide additional benefits to employees earning above the Social Security wage base. --
The CFP Exam is known for its difficulty, and as I embark on this learning journey, I’ve found …
Published on 11 months, 2 weeks ago
[Retirement] 10, Highly Compensated Employees
Season 3 Episode 10
Defined as owning more than 5% of the company or earning over a specified amount, affecting plan testing. --
The CFP Exam is known for its difficulty, and as I embark on this learning journey, I’ve fo…
Published on 11 months, 2 weeks ago
[Retirement] 9, 50/40 Test
Season 3 Episode 9
Defined benefit plans must cover the lesser of 50 employees or 40% of all employees. --
The CFP Exam is known for its difficulty, and as I embark on this learning journey, I’ve found it to be quite ch…
Published on 11 months, 2 weeks ago