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Because of their newness, few designated Roth accounts are qualified, which means rolling over the assets can get complicated. One mistake and your clients might end up paying taxes that they could have otherwise avoided. There are specific rules that apply only to these Roth 401(k) accounts, so make sure you understand the latest regulations.
These investment vehicles can offer your self-employed clients more savings and tax breaks than a regular 401(k), but there are some important stipulations.
Have any of your plan sponsors recently failed their nondiscrimination tests? Perhaps it's time to talk to them about QDIAs and automatic enrollment. Not only will they enjoy safe harbor provisions that allow everyone to make full retirement contributions, but also they will be relieved of some fiduciary liability.
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