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Title   Description
2020 IRA Reporting   Join us for an overview of IRA reporting requirements, including what’s new for tax year 2020. Learn what information financial organizations must report to IRA owners and to the IRS on IRS Forms 5498 and 1099-R, and the fair market value and required minimum distribution (RMD) statements.
A Closer Look at Financial Wellness   A large percentage of Americans struggle to cover unexpected expenses. Nearly half of all American families have no retirement savings. This course examines approaches employers are taking to promote financial wellness for their employees and the benefits they hope to gain from employing a less financially-stressed workforce. We’ll discuss wellness programs as a component of an employer’s benefit package, retirement plan auto enrollment, initiatives to tie emergency funds to employer plans, and the use of health savings accounts to combat large, unexpected medical expenses—the one type of expense that causes the most financial shock for many households.
Advanced Beneficiary Topics for IRAs and QRPs (Course Recommended for CIS II Exam)   IRA and QRP beneficiary regulations can seem complicated, especially when other circumstances apply. We’ll provide specific types of situations or issues that may come up when processing a death claim, along with information on how to handle them and examples of how the beneficiaries are affected.
Advanced HSAs   Build up your health savings account (HSA) knowledge by exploring more advanced topics related to eligibility, contributions, and distributions, including beneficiary rules, excess contributions, prohibited transactions, and debit card issues. Distinguish between an HSA trustee or custodian’s responsibilities, employer responsibilities, and an HSA owner’s responsibilities.
Advanced IRA and QRP Portability and Conversions (Course Recommended for CIS II Exam)   Learn about all of the IRA and employer-sponsored retirement plan portability options and the requirements for properly carrying them out. Gain an understanding of the rules and learn the differences between each transaction. Discussion includes taxation, eligible plan types, ineligible distributions and movements of assets, reporting, and what’s new.
Advanced IRA Issues: Taking Penalty-Free IRA Distributions   Learn how IRA owners can take penalty-free distributions before age 59½. This course will cover each exceptions to the 10 percent early distribution penalty tax—including substantially equal periodic payments, first-time home purchases, higher education expenses, disaster relief, and qualified birth or adoption expenses.
Beneficiary Options For Deaths in 2020 and Beyond   The SECURE Act has brought many changes, and one of those changes is to beneficiary options. This course will walk through the possible distribution options for both IRA and qualified retirement plan beneficiaries when the account owner dies in 2020 or later.
IRA and QRP Electronic Delivery and Reporting   Review the guidelines for electronic delivery of IRA and retirement plan forms, notices, statements, and disclosures. Learn more about available delivery options and the rules that must be followed. We’ll examine both the IRS’ and Department of Labor’s updated requirements for appropriate use of electronic delivery and proper reporting.
Handling IRA Excess Contributions (Course Recommended for CIS II Exam)   This course will walk you through everything IRA excess contribution-related, including the reasons why an excess may occur. Learn how an excess can be corrected, depending on when it is being corrected, how to determine the excess amount plus interest, and how to accurately report the transaction.
HSA vs 401(k): Where to Defer   Where is the best place to save? There’s no straightforward answer to this question. Individuals face tough choices when allocating their savings, often with many unanswered questions. This course explores nuanced qualified saving strategies, with focus on 401(k) plans and health savings accounts (HSAs). Find out how an HSA’s unique advantages paired with the benefits of a 401(k) plan make for a powerful combination of retirement savings vehicles, rather than just choosing one over the other.
HSAs – Exploring Their Advantages   HSAs are receiving much attention in the marketplace because of the powerful tax benefits they offer account owners. In this course we will dissect the HSA’s most commonly-touted advantages, and take a close look at some of its very important, but lesser-known, features. We will also examine whether account owners are maximizing the potential of their HSAs, and consider what might be on the horizon to help make the most of these accounts.
Introduction to Beneficiary Options for IRAs and QRPs (Course Recommended for CIS II Exam)   This course will walk through the possible distribution options for both IRA and qualified retirement plan beneficiaries. As a result of the SECURE Act, beneficiary options differ depending on the year the account owner died. We will discuss the beneficiary options both when the account owner died in 2019 or earlier and when the account owner dies in 2020 and later. We will also explore related concepts such as separate accounting, life expectancy payments, recalculation and nonrecalculation, and portability options. Return to work with a clearer understanding of beneficiary distribution options and procedures.
Introduction to HSAs   Build a foundation of health savings account (HSA) knowledge with a thorough introduction into the world of HSAs, beginning with eligibility requirements and moving on to contribution rules and limits, and finally, taking distributions. The course includes an overview of the HSA’s relationship to employer high deductible health plans.
Introduction to QRPs & 403(b) Plans   This comprehensive, two-part course examines the world of employer-sponsored, qualified retirement plans, and 403(b) plans. We'll explore the benefits of these plans by describing plan features such as eligibility, contributions, and portability. A portion of this course will also cover plan design issues, testing requirements, and Roth features.
IRA Legal Issues   Your organization may have legal counsel or written guidelines in place to ensure the proper handling of various legal issues that typically relate to IRAs. Become more familiar with these issues—and any related law changes—while learning practical approaches to handling them to better serve your IRA clients.
IRA Update   Don't fall behind on the latest IRA-related regulatory changes and legislative developments. Find out what’s new and how it may affect your IRA program, documents, and procedures. Topics covered may include recent legislation, reporting guidance, and key pronouncements.
Legislative Reform: What's Changed, What's on the Horizon   Get the scoop on any new legislation and policy initiatives, taking into consideration the current or future political climate.
Planning for Retirement and Decumulation Strategies   Recent market performance has created renewed concern about the assumptions and strategies that are used for retirement savings and planning. This course will address some of the investment and distribution tools being used to bridge the potential gap between your clients' retirement savings and their need for an income stream at the point of retirement.
QRP Legal Issues   Most employers don’t want to be burdened by the details of plan administration. Yet those details cannot be ignored. This course addresses the legal and compliance issues that apply to employer-sponsored retirement plans. Leave with a better understanding of the topics discussed and, if time permits, the instructor may be able to address your questions about complex legal issues your clients have.
QRP Update   Join us for the latest analysis of the SECURE Act and its effect on qualified retirement plans. In addition, we’ll cover other legislative updates, regulatory changes, and judicial decisions that have taken effect. Find out whether these changes will affect your documents and procedures.
Required Minimum Distributions for IRAs and QRPs (Course Recommended for CIS II Exam)   This course focuses solely on required minimum distributions (RMDs) from IRAs and employer-sponsored retirement plans. We’ll explain the required beginning date and why it may differ between IRAs and retirement plans, how to correctly calculate an RMD, the role beneficiaries play in the calculation, what the reporting requirements are, and other RMD-related topics.
Roth IRAs: What You Should Know   Learn all aspects of the Roth IRA— including its features and benefits and how it stands out from other retirement savings accounts. Leave with a more thorough understanding of its tax advantages, contribution eligibility rules, reporting requirements, portability options, and advanced distribution issues.
Small Business Options: Focus on Solo(k) Plans   A major change in today’s American economy is the growing importance of owner-only businesses. This includes new start-ups, niche businesses, independent professionals, and so-called “gig” workers. The one-person or owner-only 401(k)—sometimes called a Solo(k) plan—offers features that allow total contribution flexibility, the ability to make maximum contributions with less compensation than needed with other plan types, and modest administration cost. Attend this course to learn more.
Strategies for Auto-Rollovers and Finding Missing Participants   As long as there have been retirement plans, employers have had to deal with the issue of missing participants. Safe harbor guidelines for steps to locate missing participants have not been forthcoming from the Department of Labor, but we’ll share best practices for developing and documenting procedures to assist you in meeting your fiduciary obligations.
Taking Advantage of the Mega Roth   Learn about designated Roth deferrals, the popular mega Roth strategy, and who the prime candidates are for this type of transaction. During this course, we’ll discuss the strategy, including compliance and tax considerations. We’ll also compare pretax, Roth, and nondeductible employee deferrals.
Withholding Requirements for IRAs (Course Recommended for CIS II Exam)   There is much confusion about fulfilling IRA withholding requirements. Don’t be caught off guard with numerous errors and costly penalties. Learn the federal and state IRA withholding requirements and how to satisfy them, the proper way to submit withheld assets, and what the potential penalties are for not withholding correctly.