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- Using a Section 115 Trust to Help Manage Pension Obligations 2.2k views | posted on September 13, 2017
- Public Agency Board Members’ Worker Classification Matters for Tax Purposes 1.3k views | posted on July 22, 2019
- If You Don’t Have a Section 218 Agreement, Watch Out for the Social Security “Gotcha” 1.2k views | posted on October 19, 2018
- Chapter 13: Some Things Are Worth Repeating – Beware of PTO Cash-Outs! 1k views | posted on April 22, 2014
- Using 457(b) Unforeseeable Emergency Distributions During the Coronavirus Crisis 1k views | posted on March 24, 2020
- Chapter 28: Why Cashing Out PTO Next Year Doesn’t Work 0.9k views | posted on August 15, 2016
- The CARES Act’s New Rules for Coronavirus-related Distributions from Governmental 457(b) Plans 891 views | posted on April 2, 2020
- Take Care When Cost-Sharing Under CalPERS 849 views | posted on November 7, 2019
- Why You Need to “Monitor” Full-time, Temporary Employees 848 views | posted on August 30, 2018
- COVID-19 Pandemic May Force Some Cities to Reset Employee Benefits 836 views | posted on May 11, 2020
Category Archives: Retirement Plans
“It Just Keeps On Going:” The Problem with a Money Purchase Pension Plan that a Public Agency Just Sets Aside
By Jeff Chang Like the Energizer Bunny, some retirement plans continue to “run,” even though the employer believes they are “no longer in use.” This problem is particularly prevalent with public agencies that have a tendency to switch from one … Continue reading
Posted in Governmental plans, Plan Administration, record-keeping, Retirement Plans
Tagged money purchase, plan freeze
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What Plan Documents Should You Be Keeping?
By Jeff Chang Despite the insane popularity of Marie Kondo and her tidying methodology, when it comes to your agency’s retirement (and welfare) plan documents: more is better. But, not just more of the same thing — such as unexecuted … Continue reading
Posted in Governmental plans, Plan Administrator, record-keeping, Retirement Plans
Tagged plan record retention, retirement plan documents, retirement plan records
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Recognizing That All “Rates of Return” Are Not the Same
By Jeff Chang As a “baby-boomer” and one of the millions of my generation getting ready for retirement, I’ve naturally begun to focus more on the ups and downs of the stock market and all of the “advice” regarding how … Continue reading
Posted in Investments, Retirement Plans
Tagged liability-driven investments, rate of return, retirement investing, sequence of returns
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“Encouraging” the Repayment of Student Loan Debt
By Jeff Chang Many of the public agencies we work with have expressed a strong interest in programs and arrangements that will help or encourage their employees to pay off their student loan debts. These programs can be important recruiting, … Continue reading
Posted in 401(a), Governmental Retirement, Retirement Plans
Tagged student loan payroll deduction repayment, student loan repayment
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Why You Need to “Monitor” Full-time, Temporary Employees
By Jeff Chang Due to budget restrictions and general hiring freezes, many California public agencies are forced to fill workforce gaps with temporary employees from staffing agencies. This practice, while quite common, is not well-understood — particularly when it comes to … Continue reading
Posted in Plan Qualification, Retirement Plans, Uncategorized
Tagged California wage and hour, Common law employees, Dynamex Operations West, Twenty-factors test
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