Creative Planning Retirement Services

Even well-designed 401(k) plans can face hurdles when adding the mega backdoor Roth feature. In our latest episode, we dive into the specific testing challenges plan sponsors encounter and provide clarity on which plans are ideal candidates for this approach. ???Listen Now Apple Podcasts: https://lnkd.in/gkeWx2qA Spotify: https://lnkd.in/gxcy-_ZN

Join host Rick Unser and Alison Cohen, an ERISA attorney and a Partner at Ferenczy Benefits Law Center, as they navigate 2025's complex nondiscrimination testing landscape. ? Their in-depth conversation tackles everything from mega backdoor Roth challenges to controlled group testing during mergers, delivering practical advice every plan sponsor and administrator needs to hear. ? ???Listen Now Apple Podcasts: https://lnkd.in/gkeWx2qA Spotify: https://lnkd.in/gxcy-_ZN

Experience is the best teacher, but what if you've never experienced a downturn? In this recent episode of 401(k) Roundtable, we discuss preparing younger investors for market realities beyond the recent bull run. The full episode is available now. ? ???Listen Here Apple Podcasts: https://lnkd.in/gaNMQiUR Spotify: https://lnkd.in/gK5ZcyWJ

What's driving market concentration in the S&P 500? Join the CIO of American Century Investments, Rich Weiss, and the CPO of Trilon Group, Bob Chapman, as they unpack the evolving investment landscape, generational investing patterns and how AI is reshaping financial services. The new episode of 401(k) Roundtable is available now. ? ???Listen Here Apple Podcasts: https://lnkd.in/gaNMQiUR Spotify: https://lnkd.in/gK5ZcyWJ

By 2026, plan sponsors will be required to implement mandatory Roth catch-up contributions for high-income earners. Originally set for January 2024, the IRS has extended the deadline, giving plan sponsors additional time to ensure their plan is compliant. If your plan doesn’t offer Roth contributions, now is the time to add this feature. Be sure to work closely with your payroll providers and recordkeepers to ensure proper implementation by January 2026. For more details, read the full article below and reach out to your Creative Planning Retirement Services contact for support and guidance.

Surface-level metrics tell only part of the story. From credit card debt to missing estate plans, discover the hidden factors that impact employee financial wellness in this preview from 401(k) Roundtable. Tune in to the full episode for a deeper dive into building comprehensive workplace financial wellness programs. ???Listen Now Apple Podcasts: https://lnkd.in/gUM5XyZm Spotify: https://lnkd.in/gwnbGAQv Our website: https://lnkd.in/gxpJ8p2i

Financial wellness is transforming workplace culture. Join us on 401(k) Roundtable as the VP of Small- and Mid-Market Segments at Principal, Sean Jordan, and the Director of Financial Wellness Benefits at Shaw Industries, Barbara Coombe, share powerful insights on building effective employee financial wellness programs. Listen now for actionable strategies to enhance your organization's financial health initiatives. ???Listen Now Apple Podcasts: https://lnkd.in/gUM5XyZm Spotify: https://lnkd.in/gwnbGAQv Our website: https://lnkd.in/gxpJ8p2i

The latest 401(k) Roundtable? brings you a comprehensive analysis of the post-election retirement landscape. Join Creative Planning’s Director of Compliance Services, Samuel Henson, and Chief Investment Officer, James Battmer, as they analyze policy shifts, ESG regulations, the challenges facing Social Security and Medicare, and more. ???Listen Now Apple Podcasts: https://lnkd.in/gbE2-dCa Spotify: https://lnkd.in/g8uRWj6M Our website: https://lnkd.in/gYcJTSMV

How will the next administration impact retirement plans??Don’t miss our upcoming webcast, where Samuel Henson will dive into the key changes that plan sponsors need to be aware of to stay ahead of the curve.?From new policies to potential legislation, Sam will provide valuable insights on how upcoming shifts could impact your organization’s retirement plans and how to navigate these changes effectively. Message your CPRS contact to register!

Congratulations to James "Quint" Hall, CFA, CPA, Managing Director at Creative Planning Retirement Services, on being named to the 2025 Aces: Top 100 Retirement Plan Advisors Under 40 list by the National Association of Plan Advisors! ? NAPA’s Top Retirement Plan Advisors Under 40 list is awarded each November, based on recent activity with no specified time period.