Top Compliance and Litigation Tips for 401(k) Plans
Wealth Management
SEPTEMBER 18, 2023
Do not forget the basics regarding compliance and ligitation of 401(k) retirement plans.
Weekend Reading For Financial Planners (January 4–5)
Nerd's Eye View
JANUARY 3, 2025
Enjoy the current installment of "Weekend Reading For Financial Planners" - this week's edition kicks off with a recent survey indicating that a majority of advisors are viewing new client acquisition as their primary challenge in the current competitive environment for financial advice (followed by compliance and technology management) and suggests (..)
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Weekend Reading For Financial Planners (February 1–2)
Nerd's Eye View
JANUARY 31, 2025
Enjoy the current installment of "Weekend Reading For Financial Planners" – this week's edition kicks off with the news that following the change of administration (and a new incoming chair of the SEC), the Investment Adviser Association is seeking to find ways to help RIAs (particularly smaller firms) manage the compliance responsibilities they (..)
Weekend Reading For Financial Planners (May 3–4)
Nerd's Eye View
MAY 2, 2025
a ski chalet), assessing whether it will lead to greater overall wellbeing, or, alternatively, more stress, is more challenging Enjoy the 'light' reading!
Why Held-Away Asset Management Technology Is Being Scrutinized By State Regulators (And How Advisors Can Compliantly Manage Clients’ 401(k) Assets)
Nerd's Eye View
AUGUST 28, 2024
Historically, advisors haven't had many avenues to manage clients' 401(k) plan accounts, since unlike traditional custodial investment accounts, advisors generally lack discretionary trading authority in employer-sponsored retirement plans.
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Why Regulators Are Questioning The Use Of Held-Away Asset Management Technology (And What Advisors Can Do About It)
Nerd's Eye View
AUGUST 28, 2024
Historically, advisors haven't had many avenues to manage clients' 401(k) plan accounts, since unlike traditional custodial investment accounts, advisors generally lack discretionary trading authority in employer-sponsored retirement plans.
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Weekend Reading For Financial Planners (July 15-16)
Nerd's Eye View
JULY 14, 2023
Enjoy the current installment of "Weekend Reading For Financial Planners" - this week's edition kicks off with the news that while the new social media app Threads, designed to compete with Twitter, has surpassed 100 million users in its first week alone, its potential utility for advisors remains unclear and has raised compliance concerns for advisors (..)
Weekend Reading For Financial Planners (Aug 6-7)
Nerd's Eye View
AUGUST 5, 2022
We also have a number of articles on retirement planning: How the variability in annuity payouts across annuity providers has exploded in 2022, creating an opportunity for advisors to add value to clients by comparison shopping across insurance companies.
Weekend Reading For Financial Planners (January 27-28)
Nerd's Eye View
JANUARY 26, 2024
Also in industry news this week: A House committee has advanced a bill that would extend several expired business-related tax measures from the Tax Cuts and Jobs Act and would increase the value of the Child Tax Credit The SEC released its examination priorities for 2024, which include a focus on advisers' adherence to their duty of care and duty of (..)
Weekend Reading For Financial Planners (Nov 12-13)
Nerd's Eye View
NOVEMBER 11, 2022
While some are looking to gain a first-mover advantage by leveraging client testimonials and third-party endorsements (and adjusting their compliance programs before doing so), others are taking a wait-and-see approach. Also in industry news this week: Why “SECURE 2.0”
The Latest In Financial #AdvisorTech (January 2024)
Nerd's Eye View
JANUARY 1, 2024
This month's edition kicks off with the news that held-away asset management platform Pontera has raised $60 million in venture capital funding as advisors increasingly seek to directly manage clients' 401(k) and other outside assets – although an ongoing investigation by Washington state regulators over whether advisors' use of Pontera violates (..)
Weekend Reading For Financial Planners (Jan 14-15)
Nerd's Eye View
JANUARY 13, 2023
FINRA has released its enforcement priorities for 2023, including a continued focus on compliance with Regulation Best Interest as well as several new priority topics, such as manipulative trading, fixed-income pricing, and trading in fractional shares.
Weekend Reading For Financial Planners (July 27-28)
Nerd's Eye View
JULY 26, 2024
Also in industry news this week: While the number of RIA M&A deals has not surged in 2024, the average size of deals has increased, demonstrating interest from (often private-equity-backed) firms in pursuing larger targets Off-channel communication tops the list of concerns amongst RIA compliance professionals, with advertising and marketing coming (..)
Weekend Reading For Financial Planners (August 5-6)
Nerd's Eye View
AUGUST 4, 2023
Also in industry news this week: RIA M&A activity fell in the second quarter compared to the same period last year amid rising financing costs, though continued private equity interest in the RIA space could help buoy deal volume going forward According to a recent survey, RIAs appear to be taking a defensive approach toward the SEC's new marketing (..)
Weekend Reading For Financial Planners (Feb 18-19)
Nerd's Eye View
FEBRUARY 17, 2023
Further, an investment adviser who can make trades on behalf of a client would be deemed to have custody of the client’s assets, which could substantively shift a very sizable portion of the wealth management RIA community under the custody rule, though it remains to be seen whether or what exact custody rule compliance requirements would be (..)
The Latest In Financial #AdvisorTech (June 2023)
Nerd's Eye View
JUNE 5, 2023
This month's edition kicks off with the news that Riskalyze has completed its previously-announced rebranding, and will now be known as “Nitrogen”, a ”growth platform” for advisory firms – which represents less of a shift in the platform’s core function (given that Riskalyze’s risk tolerance tool was always (..)
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8 Financial Planning Tips for Small Business Owners
Carson Wealth
JULY 3, 2024
Develop a risk management plan to implement strategies that minimize or eliminate risks, and protect your business with appropriate insurance coverage, such as liability, property and business interruption insurance. Get Help with Tax Planning Tax planning is a critical component of financial management.
GIFT City: India’s Strategic Gateway to Global Finance
International College of Financial Planning
JUNE 17, 2025
These institutions operate under international compliance norms, positioning GIFT City alongside global financial hubs such as Singapore, Dubai, and Hong Kong. Transparent Taxation and Compliance Operating within GIFT City allows investors to benefit from low transaction costs, international audit standards, and applicable DTAA benefits.
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When Does A Financial Coach Need To Register As An Investment Adviser? The “ABCS” Test To Determine Status
Nerd's Eye View
DECEMBER 6, 2023
Notably, while many financial coaches satisfy the majority of these requirements – they are in the business of offering advice to clients and are compensated as such – they often steer clear of making specific securities recommendations, focusing instead on areas like budgeting, debt management, savings, and retirement planning.
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Drafting RIA Advisory Agreements: Best Practices And Essential Elements To Include
Nerd's Eye View
AUGUST 24, 2022
a single person, a couple, a business, or a retirement plan) and the date on which the agreement will become effective. To start, the agreement should contain basic information about the adviser-client relationship, including who the client is (e.g., The agreement should also lay out some acknowledgments for the client to review.
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Drafting RIA Advisory Agreements: Best Practices And Essential Elements To Include
Nerd's Eye View
AUGUST 24, 2022
a single person, a couple, a business, or a retirement plan) and the date on which the agreement will become effective. To start, the agreement should contain basic information about the adviser-client relationship, including who the client is (e.g., The agreement should also lay out some acknowledgments for the client to review.
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The Most Important Factor You’re Probably Overlooking In Your Retirement Planning
WiserAdvisor
SEPTEMBER 13, 2023
While grappling with various aspects of retirement planning, it is imperative to acknowledge a critical factor that often does not receive its due attention – longevity risk. While this is undoubtedly positive, it introduces the challenge of ensuring that your financial resources last an extended retirement period.
Tax Savings Tips for Startups
Harness Wealth
APRIL 16, 2025
Leveraging retirement plans for tax advantages Tech entrepreneurs can create substantial tax advantages through Solo 401(k) plans, which allow contributions up to $69,000 in January 1, 2024 for those under 50. For growing tech startups, establishing company retirement plans serves multiple purposes beyond tax benefits.
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Digital Dominance Panel Recap: Key Takeaways From the Jolt! 2025 Conference in Nashville
Indigo Marketing Agency
JUNE 17, 2025
A key insight from Colton was also helpful: when someone asks AI about retirement planning, what’s the logical follow-up question? Write like you’re actually talking to someone in your office, not like you’re writing a compliance manual. Structure everything clearly and use smart internal linking.
Imagine if the local bakery had a 401k? Let’s solve the 401k Coverage Gap and save the American middle class!
Sara Grillo
DECEMBER 16, 2024
Today I have Brian Williams of Northshire Consulting and were going to be talking about how financial advisors can help improve 401k plan access to the American people who are working at small businesses who currently do not offer them. What if the local baker had a 401k plan? Why are small business owners not offering 401k plans?
Reversing a Roth IRA Conversion
Harness Wealth
APRIL 16, 2025
The fundamentals of Roth and traditional IRAs Traditional IRAs have long served as a cornerstone of retirement planning, offering immediate tax benefits through deductible contributions while deferring taxes until withdrawal. This systematic approach ensures compliance and optimal tax outcomes.
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All the Tax Benefits You Need for Your Small Business
Harness Wealth
APRIL 17, 2025
The calculation becomes increasingly complex for higher-income taxpayers , as it introduces factors such as W-2 wages paid to employees, the unadjusted basis of qualified property, and retirement plan contributions. Partner with Harness for top-tier advisory services in financial, tax, and estate planning.
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Mega Backdoor Roths: A How-to Guide
Harness Wealth
JANUARY 9, 2025
Both the Mega Backdoor Roth IRA and Mega Backdoor Roth 401(k) allow the additional contribution of funds to retirement plans after pre-tax and Roth contribution limits have been reached. Roth IRAs are also not subject to Required Minimum Distributions (RMDs), allowing more flexibility in retirement planning.
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What Do Financial Adviser Designations Mean? What are the Letters after a Name?
Carson Wealth
JULY 12, 2022
The first step in the competency stairway is regulatory compliance. . The securities industry weaves the Financial Industry Regulatory Authority (FINRA) and state securities commissioners into a regulatory quilt, also requiring stockbrokers and their registered agents to pass registration exams and complete annual compliance training.
Don't get an "F" on FBAR
Brown Advisory
JANUARY 20, 2023
We work closely with our clients and their outside professional advisors to identify when FBAR filings are required and to help facilitate compliance. FBAR compliance was enforced by the Treasury Department’s Financial Crimes Enforcement Network bureau, or FinCEN until 2003, when enforcement was delegated to the IRS.
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The Comprehensive Handbook for Digital Marketing for RIAs
Midstream Marketing
DECEMBER 6, 2024
Running focused social media campaigns that highlight their services and share their skills in areas like tax planning or retirement planning. Compliance and Security for RIAs Compliance and data security matter a lot in the financial services industry. A lot of clients use these devices.
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Filing Taxes with Multiple Income Streams: RSUs, K-1s, Freelance, and More [Updated for 2025]
Harness Wealth
APRIL 30, 2025
Self-employed individuals enjoy unique advantages when it comes to health insurance and retirement planning. Business-related vehicle expenses can be claimed using either the standard mileage rate of $0.67 per mile (as of January 1, 2024) or by tracking actual expenses.
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401k for Small Business Owners in Kansas City: Maximizing Benefits and Strategies
Fortune Financial
MARCH 5, 2024
A 401k is a company-sponsored retirement plan that allows employees to elect contributions to be withheld from their wages and salaries and deposited into an investment account. It is named after a section of the Internal Revenue Code that provides regulations for these types of retirement plans. What is 401k?
Employee Benefits Optimization for a Positive Workplace Culture
Fortune Financial
JANUARY 11, 2024
Based on the 2022 Workplace Wellness Survey , published in the Employee Benefit Research Institute (EBRI) journal, younger employees prioritize professional development opportunities, while older employees value retirement planning more. Retirement benefits are a key component of a benefits package that attracts and retains top talent.
Exit Planning for Founders: How to Minimize Taxes in an Acquisition
Harness Wealth
APRIL 30, 2025
Employee Stock Ownership Plans (ESOPs) An ESOP allows owners to gradually sell their shares to employees through a qualified retirement plan. Setting up an ESOP requires careful planning and the guidance of specialized advisors to navigate complex regulations and maximize available tax benefits.
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Social Media Marketing for Financial Advisors: A Masterclass
Midstream Marketing
NOVEMBER 5, 2024
Understand why compliance, engagement, and tracking success are vital for your social media efforts. Introduction In today’s digital world, having a good social media plan is very important for financial advisors who want to succeed. Are they interested in retirement plans?
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Top 10 Tips for Financial Advisor Marketing Campaigns
Midstream Marketing
DECEMBER 10, 2024
Do you specialize in retirement planning for small business owners? Financial advisors can use videos in different parts of financial planning. You can make explainer videos about investment ideas, retirement plans, or tips on saving on taxes. It also shows that you are a good guide for their financial planning.
The Impact of Public Retirement in Texas
Park Place Financial
JULY 6, 2022
RETIREMENT PLANNING The Impact of Public Retirement in Texas Schedule a Complimentary Financial Review CLICK HERE TO SCHEDULE. Current and upcoming rulings are changing public retirement for Texans. Current and upcoming rulings are changing public retirement for Texans. What Is Texas HB 3898?
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How to Choose the Right Wealth Management Firm in Kansas City
Fortune Financial
SEPTEMBER 25, 2023
Long-term goals typically encompass retirement planning, wealth preservation and estate planning. Certified Financial Planner (CFP) CFPs are professionals who have completed rigorous education, passed a comprehensive exam and have substantial experience in financial planning.
How to Choose the Right Wealth Management Firm in Kansas City
Fortune Financial
SEPTEMBER 25, 2023
Long-term goals typically encompass retirement planning, wealth preservation and estate planning. Certified Financial Planner (CFP) CFPs are professionals who have completed rigorous education, passed a comprehensive exam and have substantial experience in financial planning.
Understanding Corporation (C Corp) Taxes: An Overview
Harness Wealth
MAY 19, 2025
Understanding the tax filing requirements and payment schedules is essential for compliance and effective tax planning. Additionally, C Corps can deduct contributions to employee retirement plans and health insurance premiums, which can also serve as incentives for attracting and retaining talent.
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Integrated Diploma in Wealth Management: A Comprehensive Program for Aspiring Wealth Managers
International College of Financial Planning
MARCH 31, 2023
The program is designed to provide students with practical exposure to the wealth management industry through internships and hands-on training.
List of Financial Advisors for small accounts
Sara Grillo
AUGUST 25, 2023
Hottleman and Associates www.hottleman.com Avg account size: $300k Niche: Single professional women approaching retirement Services: Financial planning, investment management, college planning, tax services, company retirement plans Note: Andrea holds insurance and FINRA licenses. 56 Capital Partners www.56capitalpartners.com
Don't get an "F" on FBAR
Brown Advisory
JANUARY 20, 2023
We work closely with our clients and their outside professional advisors to identify when FBAR filings are required and to help facilitate compliance. FBAR compliance was enforced by the Treasury Department’s Financial Crimes Enforcement Network bureau, or FinCEN until 2003, when enforcement was delegated to the IRS.
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