Three Things You Need to Know When Hiring a 401(k) Adviser

401-k-advisor-image“Remember upon the conduct of each depends the fate of all.” – Alexander the Great

As a Human Resources Professional, C-level executive, or team leader, you depend on those around you to give their best, as you give your best to them. At the start of this new year, maybe it is time to ask yourself if you are demanding that same level of quality from the professionals you hire outside your company walls. That highest level of professionalism is especially important when hiring an adviser to manage your company’s 401(k) plan. With increased scrutiny on fiduciary responsibility and the roles that each professional plays in the management of the plan, here are three things to consider when hiring or evaluating your 401(k) adviser.

  1. Is your adviser focused on 401(k)s?

“Jack of all trades, master of none” comes to mind when thinking of a financial adviser who does not focus on one specific area of expertise. While there is nothing to say that an adviser cannot be good at multiple financial disciplines, when it comes to managing 401(k) plans it is imperative that your adviser know enough to stay on top of changing regulations and best practices. Aside from the fiduciary focus, there is also renewed attention on target dates and how they are selected and monitored. Your adviser should understand these rules and be able to document how your plan is addressing them. Additionally, review your adviser’s qualifications and designations looking for industry designations that specifically address their fiduciary knowledge.

  1. Is your adviser on a team or a sole practitioner?

There is not a right or wrong answer to this question, rather something to consider as a best fit for your plan. I work on a team and cannot imagine trying to go it alone and properly manage all of the responsibilities to the plan, the plan committee, and the participants. On my team, I focus on the analytical, detailed, “left-brain” tasks and my partner focuses on educating the plan participants and keeping the message relatable. Additionally, we have found that when working with committees there are times when my style and personality work well with some committee members and times where his is a better fit.

  1. How is your adviser compensated?

This is especially important to know ahead of the April 1, 2017, start date of the new fiduciary rules. It will be more difficult for your adviser to be compensated if he or she is receiving commissions from the investments in the plan. A commission is a fixed amount paid out to an adviser from an investment that is included in the cost of the investment and does not have to be paid separately or approved by the plan sponsor. The other way an adviser is compensated is to charge a fee to the plan. This fee can be in the form of an asset based charge, usually represented as a percentage, or as a flat fee. Typically, the fee is fully disclosed, is not paid by the investments, and can either be paid by the plan sponsor or passed on to participant accounts.

If you are unsure of the answers to any of the questions above, please reach out to me at or 205.970.9088 and I’ll be happy to get you some answers!

A Quick Guide to Understanding Fiduciary Definitions

fiduciary-duty-imageAs it stands today, the Department of  Labor’s (DOL) Fiduciary Conflicts of Interest Rule is set to take effect on April 10, 2017. As with most new rules or regulations, there are a lot rumors and speculation surrounding how the rule will be applied and who will be impacted. If you are a plan sponsor of a qualified retirement plan, like a 401(k), then now is the time to educate yourself as to who is working with the plan and how his or her role will be impacted by this rule. Here are the definitions of some commonly used terms that are associated with the rule.

Glossary of Terms: DOL Fiduciary Rule

Best Interest Contract Exemption
This provision of the DOL rule requires an advisor to enter into a written agreement with a client before advising him or her and receiving commission-based compensation. The agreement should confirm the advisor will act in the client’s best interest and disclose any conflicts of interest that may exist.

This type of compensation pays a percentage of a product sold on each transaction. Trails are a form of recurring commission that pays a stated percentage annually for a sale made in the past.

Department of Labor (DOL)
The United States DOL oversees services and advice provided to retirement accounts, and it is one of the agencies responsible for enforcing ERISA. The DOL has proposed this revised fiduciary rule with the goal of expanding protection for clients’ retirement assets.

Employee Retirement Income Security Act of 1974 (ERISA)
ERISA regulates and protects retirement assets by establishing rules that plan fiduciaries must follow.

In fee-based accounts, advisors charge a management fee based on the amount of assets. The opposite form of compensation would be transaction based, such as commissions.

In qualified retirement plans, advisors charge a fee for services provided. The fee may be based on a percentage of plan assets or a flat fee.

ERISA defines “fiduciary” as anyone who exercises discretionary authority or control over a retirement plan’s assets or provides investment advice to a plan. Fiduciaries are held to a higher standard of accountability than are brokers, and they are required by law to act in the best interest of their clients. The DOL rule seeks to expand the definition of fiduciary to anyone providing advice on retirement plans.

A suitability standard requires advisors to reasonably believe their recommendation will meet a client’s needs, given the client’s financial situation and risk tolerance. This standard is not as strict as a fiduciary standard.

If you are feeling a bit overwhelmed or confused by what is involved, you are not alone and we are here to help. Please contact me at or 205.970.9088 to learn more.

The Best Gift You Can Give to Your Company


It’s official…the holiday shopping spree is in full swing. Hopefully, you made it through Black Friday with all of your limbs and hair and through Cyber Monday with enough money left in your account to pay this month’s bills! All the holiday shopping made me stop and think, “What is the best gift that you can give someone?” Respect, time, money all came to mind. With those things in mind, over the next three weeks I want to look at ways to use your benefit plan, specifically the 401(k) or Profit Sharing Plan, to help give those gifts to your company, your employees, and yourself.

Whether you are a C-suite level executive assessing where to best spend your company’s resources or a Human Resource Professional thinking about how to make the most of your resources to benefit the company, one thing is certain – ultimately the company you own, manage, or work for needs to thrive. I would argue that one of the best ways to ensure the growing or continued success of the company is to hire the most talented workers and to retain them by showing that you respect them and want to contribute to the success of their retirement futures.

The gift of time that offering a 401(k) plan can offer to your company comes by adding valuable time worked to the workforce. To explain, I believe there is a significant difference between an employee that has to work and one that wants to work. If, through your retirement benefit plan, you can add hours to the employees that want to work by reducing the hours of have-to-works by allowing those employees to retire on time, then I believe that you are giving a great gift to the company as a whole.

Offering a 401(k) plan can also help reduce corporate taxes, thus helping the company to save money. The most common way to reduce your company’s tax liability is through offering a match or profit sharing arrangement. With either a match or profit sharing agreement, the amount the company contributes is tax deductible. Another lesser known way to reduce your business taxes is to pay for the expenses related to the plan such as the cost of the third-party administrator, recordkeeper, and/or financial advisor. Most commonly these fees are automatically deducted from participant accounts, but recordkeepers are becoming more flexible with the ways fees are collected.

These gifts of respect, time, and money can be given to your company with a well designed 401(k) plan. If you do not think these goals are being achieved by your current plan, please call me at 205.970.9088 or email me at and I will get to work for you today on developing a plan that works for you and your company.

Employee Benefit Plan Audits – Are You Getting a Quality Audit?

bsmsA great article from Jaime Sweeney, Senior Manager, Barfield, Murphy, Shank & Smith, LLC.




The Department of Labor and the Employee Benefits Security Administration recently completed an assessment of the quality of audit work performed by independent public accountants and the overall findings were disappointing.  In May 2015, the DOL released a report titled “Assessing the Quality of Employee Benefit Plan Audits” that found 30% of the audits (nearly 4 out of 10) contained major deficiencies in regards to GAAS requirements.  Those deficiencies could lead to rejection of a Form 5500 filing.

The report makes recommendations, including DOL outreach and enforcement related to audit standards.  As part of this outreach, in November of 2015, the DOL distributed letters and information to plan administrators of “funded” ERISA employee benefit plans providing tips for selecting and working with a qualified CPA firm auditor who has the expertise.  Plan administrators are held responsible as fiduciaries of the plan, and can be held personally liable if they are not making reasonable choices with regard to their plan.

The letter explains that a quality audit can help protect plan assets and make sure that the plan is compliant with applicable law.  The letter specifically emphasizes that plan administrators should be careful when they select and retain an auditor.

While many accounting firms are choosing not to continue offering employee benefit plan audits, we at Barfield, Murphy, Shank & Smith, LLC assure you that we are distinctly qualified for this work and will continue to offer this service.

According to the DOL, you should consider the following factors when selecting a CPA firm:

  • The number of employee benefit plans the CPA audits each year, including the types of plans
    • Having worked extensively with retirement plans for over two decades, BMSS is known for having one of the premier auditing practices in Alabama. BMSS audited in excess of 30 plans in 2015, including defined contribution and defined benefit plans.  Our staff has a great deal of experience understanding the nuances of these audits.
  • The extent of specific annual training the CPA received in auditing plans
    • Employee benefit plan audits have unique audit and reporting requirements and are different from other financial audits. At BMSS, all of our employee benefit plan professionals receive annual Continuing Professional Education specific to Employee Benefit Audits.
    • Barfield, Murphy, Shank & Smith, LLC is a member of the American Institute of Certified Public Accounts EBPAQC (Employee Benefit Plan Audit Quality Center), a group created to improve quality of benefit plan audits with news alerts, training, webinars, audit quality center and other resources.
  • The status of the CPA’s license with the applicable state board of accountancy
    • Our CPAs are actively licensed by the Alabama State Board of Accountancy.
  • Whether the CPA has been the subject of any prior DOL findings or referrals, or has been referred to a state board of accountancy or the American Institute of CPAs (AICPA) for investigation
    • We are proud to say that BMSS has not been subject to any DOL findings or referrals. We have not been referred to a state board nor the AICPA for investigation.
  • Whether or not your CPA’s employee benefit plan audit work has recently been reviewed by another CPA (this is called a “Peer Review”) and, if so, whether such review resulted in negative findings
    • BMSS participates in the AICPA Peer Review Program and has passed every peer review. Our last peer review was dated November 6, 2014

If you have any questions or concerns regarding your employee benefit plan audit or if you would simply like more information about receiving a quality audit, please contact one of the EBP Audit professionals Barfield, Murphy, Shank & Smith LLC at (205) 982-5500.

Written by Jaime Sweeney, Senior Manager, Barfield, Murphy, Shank & Smith, LLC

When CYA is Exposing Rather than Covering Your Assets

shutterstock_286288565.jpgI recently had the privilege of attending the National Plan Advisors Association (NAPA) annual conference where some of the best and brightest minds in the retirement plan industry gather to discuss best practices, pending and recent legislation, and industry trends. In one of the sessions it was noted that it is a fiduciary breach to make decisions just to protect yourself as a fiduciary. For me this was one of those “ah-ha” moments that made me sit back and think about the way that we make decisions as a co-fiduciary. Are we keeping the best interests of the participants first or focusing so myopically on fiduciary best practices from a CYA (cover your behind) perspective that we miss out on the big picture? Since I was forced to contemplate our process, I thought I would also share the basics of fiduciary duty with you as well.

 The plan is in place to serve the best interests of the
plan participants and their beneficiaries.
It’s as simple as that!

 One of the most important ERISA fiduciary rules is the exclusive purpose rule, established by ERISA Sections 403 and 404: “A fiduciary shall discharge his duties with respect to a plan solely in the interest of the participants and beneficiaries.” In order to fulfill your requirements of sole interest, ERISA established 4 guidelines for fiduciaries to follow.

  • The first is loyalty. To demonstrate this quality the fiduciary must act for the exclusive purpose of providing benefits to participants and their beneficiaries; and defraying reasonable expenses of administering the plan. In essence this guideline sums up that you work for your plan participants when running the 401(k) plan and it is your responsibility to make sure they get appropriate services for a reasonable fee.
  • The next is prudence. Fiduciaries must act with the care, skill, prudence and diligence under the circumstances then prevailing that a prudent man acting in a like capacity and familiar with such matters would use in the conduct of an enterprise of a like character and with like goals. This is where the advice of an investment professional can be the most valuable as it is expected for you- the fiduciary – to not just act with good intentions, but also with knowledge and care.
  • The third guideline is diversification of investments. Fiduciaries must diversify the investments of the plan so as to minimize the risk of large losses, unless under the circumstances it is clearly prudent not to do so. In my opinion, this is one of the most difficult demands to balance since most investors expect to have positive returns in their account every quarter despite market conditions or investment mix. However as the plan fiduciary, you have the responsibility to protect the participants from themselves.
  • The final guideline is to follow the plan’s governing documents. Fiduciaries must operate the plan in accordance with the documents and instruments governing the plan insofar as such documents and instruments are consistent with [ERISA] provisions. While this may seem like a “no-brainer”, it is in this guideline where I have seen the most common problems arise. We have seen everything from not having a signed plan document to incorrectly following the plan’s definition of compensation to mismatched vesting schedules.

In nearly all cases, plan fiduciaries act in the best interest of their participants through their actions without even thinking twice about it. However, there are very strict and expensive rules around making sure that you do so consistently and that you don’t inadvertently shift focus from them to you and your assets.

jamie kertis headshotJamie Kertis, AIF®, QKA
Retirement Plan Specialist
Grinkmeyer Leonard Financial
1950 Stonegate Drive / Suite 275 /Birmingham, AL 35242
Office: 205.970.9088 / Toll-Free: 866.695.5162

Contact Jamie

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What the “F” ? – Part 4 – Future

wtf4What the “F” ?
A four part series that will address important themes of plan management

 If you’ve stayed with me through this four part series on the critical “F”s in 401(k) plan management (and thank you if you have), then hopefully you will agree that I have saved the best and most crucial “F” for last – Future. When you think about the last three “F”s , funds, fees and fiduciary, they all center around producing the best outcomes for the retirement future of your plan participants. Moreover, the main purpose of the Employee Retirement Income Security Act of 1974 (ERISA) is to protect the assets of millions of Americans so that funds placed in their retirement plans during their working lives will be there when they retire. So much focus is placed on protecting, growing and maintaining the assets during work that it leaves us asking what happens when your participant is ready to retire with those assets that he or she has worked so hard to amass or worse yet, what happens when your employee starts to plan his or her retirement and realizes there is not enough there to allow them to retire.

First let’s focus on how to best assist your employee during their working career to earn, grow and protect their retirement assets. As we have discussed, making sure that the funds in your plan are appropriate to help asset growth, monitoring the fees in your plan to protect against plan asset erosion, and acting in the proper fiduciary manner in order to maintain a compliant plan are all steps that you can take to help your employees while they are participants in your company’s 401(k) plan. Additionally, many retirement plan recordkeepers offer tools and calculators that your participants can utilize to model the potential shortfall or overage that they will have in monthly income during retirement. To clarify, most tools will calculate 75% – 80% of the participant’s preretirement income and turn that into a monthly amount. From there, the tool will analyze how much the participant can expect to generate on a monthly basis from the balance of their retirement account considering both current and future contributions and average market performance. The more dynamic tools will also let the participant enter outside sources of income, model for social security, account for medical expenses, and more. The participant will then be able to fairly quickly determine if they will have an overage or a shortfall in monthly income in retirement. This tool is commonly referred to as “Gap Analysis” and if the plan that you work with does not currently offer something like it, it may be time to consider adding it.

Providing tools like Gap Analysis to your participants is a great first step; however, we believe that it is essential that you take another critical step in assisting your plan participants by offering a dynamic education plan that encompasses both informative group meetings and impactful one-on-one meetings. We believe that our industry as a whole has done a poor job of reaching out to the average participant in a way that makes very difficult and often intimidating financial concepts surrounding a 401(k) understandable. Therefore, we believe in some basic concepts when it comes to educating your participants. The first is a concept in education called “Chunking” whereby a person attempts to make sense of something complex by breaking it down into smaller, more manageable units. We attempt to take daunting items like asset allocation, asset classes, match structures and vesting schedules and explain them in a way that is relatable to most participants. Furthermore, we believe that it is imperative to not only engage the left brain, analytic side of the brain when describing investment concepts, but also to involve the right brain, emotional side to truly appeal to the participant. I’d be willing to bet that you have seen the look before in your employee’s eyes when you start into a dry or, dare I say boring, concept in an employee meeting and immediately the stares glaze over and the head nodding begins. By engaging the creative and emotional side of the brain, we have found that we get a much better engagement and communication in our employee education events which can lead to more action when it comes to making a decision to participate in the plan. Caleb Bagwell, our employee education specialist says, “Participants have been told their entire working life that they need to save.  It’s not a foreign concept to them.  The problem is that no one has taken the time to show them why! Why should they be using the 401(k)? Why can’t they depend on social security? We need to bridge the gap between the discomfort of delaying gratification now, and the payoff they will receive in retirement, and that bridge is built through education.”   I would encourage all of my readers to visit Caleb Bagwell’s blog, Motivated Monday, to learn more about how he is taking a fresh approach to engaging and inspiring employees to take a new look at their retirement futures.

Finally, when it comes to weighing the importance of your participant’s future against the immediate needs that are constantly pressing, we urge you to consider the potential cost that employees who cannot afford to retire may have on your business’s bottom line. We know and fully appreciate that there are situations where the experience, knowledge and wisdom that comes with long time employees cannot be replaced, but we are also fully aware, as should you be, that the more senior the employee the greater the potential for higher costs associated with that employee. These costs can include anything from greater absenteeism to higher salaries to increased medical costs. Case in point, we have a business contact who hired a practice manager over 6 years ago to streamline their operations in anticipation that many of the staff members that currently served in administrative roles would soon be retiring. Flash forward to today and that company now has the highly paid practice administrator that they hired 6 years ago along with all of the other 9 employees that were planning on retiring who cannot because they cannot afford to. This is an all too real situation that many companies find themselves facing, but we believe with proper education it can possibly be avoided.

John Adams, our second President, said “There are two educations. One should teach us how to make a living and the other how to live.” We could not agree with this statement more whole-heartedly when it comes to educating employees about their retirement futures. It is absolutely a balance between making your living and living the life you want now and in the future. If you feel like there may be a better way to help your employees achieve the future that they want, we’d love to hear from you.

Jamie Kertis, AIF®, QKA jamie kertis headshot
Retirement Plan Specialist
Grinkmeyer Leonard Financial
1950 Stonegate Drive / Suite 275 /Birmingham, AL 35242
Office: 205.970.9088 / Toll-Free: 866.695.5162

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CPA Value to Their Clients

value.jpgWhile you are in the midst of finishing personal tax returns, filing extensions, viewing recordkeeper’s reports, sorting through transaction ledgers amongst countless other tasks associated with the normal course of your business, it may be tough to fathom stopping to ask yourself “What other value could I be adding to my clients?” So I have done that for you! Here are a few ideas that you can immediately add to your practice that could add additional value to your client relationships.

  1. Nonqualified Deferred Compensation Plan – If you are a CPA who works with high net worth individuals or business owners, simply mentioning the idea of a Nonqualified Deferred Compensation (NQDC) plan may be enough to spark your client’s interest. A NQDC plan is a type of savings plan that a business sets up that allows a select group of individuals to put away sums of money over and above what a traditional retirement plan allows. There are several forms of investments that a NQDC can utilize, including mutual funds and corporate owner life insurance, and you must have a plan document in place. However, as the name states because the plan is nonqualified there are not the same restrictions to contributions or participation and there is no annual compliance testing associated with this type of plan. It should be noted that NQDC plans are suitable only for regular (C) corporations. In S corporations or unincorporated entities (partnerships or proprietorships), business owners generally can’t defer taxes on their shares of business income. However, S corporations and unincorporated businesses can adopt NQDC plans for regular employees who have no ownership in the business. There are many more nuisances to a NQDC which we would be happy to help you explore if you have a client who is interested in learning more.
  2. Safe Harbor Features – If you audit a plan that consistently fails testing resulting in the highly compensated employees receiving refunds, it may be time for that plan to explore the options of adding a Safe Harbor feature to their plan design. A Safe Harbor 401(k) plan generally satisfies annual compliance testing. By satisfying annual compliance testing through either an approved matching formula or non-elective formula, the highly compensated employees are no longer at risk of receiving a refund of their deferral dollars.   The stated Safe Harbor match formula is 100% match on the first 3% of elective deferrals and 50% match of the next 2% deferred and the stated non-elective contribution formula is equal to a contribution of 3% of eligible compensation for all eligible employees regardless of participation. In both cases, the participants must be formally notified of the Safe Harbor provision through a notice and the contributions are immediately 100% vested.

  3.  Automatic Enrollment – Another idea that can help that plan who consistently fails compliance testing would be to suggest adding an automatic enrollment feature. In a our best case scenario of automatic enrollment, all eligible employees would be enrolled at 6% with an auto-increase feature up to 10%; but, even adding automatic enrollment at the more widely accepted 3%, the plan is taking steps to not only increase their chances of passing annual compliance testing, but also to help their employees become better prepared for retirement.

As a CPA working side-by-side on a business owner’s personal return or auditing a corporation’s benefit plans, you are in a unique position to provide guidance on areas slightly outside your scope of services that may have a meaningful impact on the retirement success of your client and further cement your already valuable relationship. The information provided on our 3 value-add ideas was brief and there are of course individual circumstances that could affect the appropriateness of the recommendations; therefore, please reach out to me if I can be of any further assistance in explaining.

Jamie Kertis, AIF®, QKA jamie kertis headshot
Retirement Plan Specialist
Grinkmeyer Leonard Financial
1950 Stonegate Drive / Suite 275 /Birmingham, AL 35242
Office: 205.970.9088 / Toll-Free: 866.695.5162

Contact Jamie

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What the “F” ? – Part 1 – Funds


No this entry is not about all of the things that your participants and employees might do to make you go “What the “F”?” (although I am you all have some great stories). Instead over the next four weeks, I will be covering the four topics that should be top of mind for plan administrators, investment committees, and human resource professionals concerning plan management. Today’s “F” is Funds. 

A fund or mutual fund is defined by the Securities and Exchange Commission (SEC) as a company that brings together money from many people and invests it in stocks, bonds or other assets. The combined holdings of stocks, bonds, or other assets the fund owns are known as its portfolio. Each investor in the fund owns share, which represent a part of these holdings. As someone who works on your company’s 401(k) plan it is important to have a good understanding of how mutual funds work since mutual funds are the most common investment vehicles offered in 401(k) plans. According to FINRA’s website ( the majority of 401(k) plans offer 8 – 12 investment options, but I have seen plans out there that offer 40 + mutual fund options. There are certainly different schools of thought as it pertains to the number of investment options that you should make available to your plan participants. Some committees believe the more the merrier; that by offering a large number of options, their participants will be able to design a portfolio that works best for them. Others believe, limit the plan options to a handful of funds that represent the main asset classes (equity, fixed income, and cash).   We tend to believe that the plan should offer the fund option in each of the 404(c) style boxes: large, mid and small cap in the growth, value and blend categories with a additional options in international and fixed income.

Another important aspect of your plan’s investment menu is the Qualified Default Investment Alternative (QDIA). Your plan’s QDIA is the fund or funds that a participant defaults into if he or she falls to make an investment election. Under the Department of Labor’s guidelines, a QDIA may be a life-cycle or targeted-retirement-date fund, a balanced fund or a professionally managed account. The committee should take the task of selecting a QDIA very seriously because if used correctly, it can offer the plan and its fiduciaries valuable safe harbor protections.

Regardless of the number of funds in your plan or what option you have designated as the QDIA, one thing is constant: the fiduciaries of the plan have an ongoing responsibility to monitor the investment options. In the Tibble v. Edison case, the Supreme Court sent a clear message that the fiduciaries of a qualified retirement plan have an ongoing duty to monitor fund investment choices. A quote taken from the ruling reads “The trustee must systematically consider all investment of the trust at regular intervals to ensure that they are appropriate.” Please note this case did not center around fund performance or if one asset class is better than another, but rather underscored the importance of having a prudent process for review and decisions to keep or remove a fund option.

In this blog edition, I mentioned several industry terms like 404(c), QDIA and the prudent process required for monitoring funds. If you or the your investment committee are unsure if you have one or all of these in place, please contact me and we can further discuss the importance of this “F” to successfully running your 401(k) plan.



Investments are subject to risk, including the loss of principal. Because investment return and principal value fluctuate, shares may be worth more or less than their original value. Some investments are not suitable for all investors, and there is no guarantee that any investing goal will be met. Past performance is no guarantee of future results. Talk to your financial advisor before making any investing decisions.

Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the mutual fund, can be obtained from your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.

Jamie Kertis, AIF®, QKAjamie kertis headshot
Retirement Plan Specialist
Grinkmeyer Leonard Financial
1950 Stonegate Drive / Suite 275 /Birmingham, AL 35242
Office: 205.970.9088 / Toll-Free: 866.695.5162

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2016 Pension Plan Limits Announced

UnknownThe Internal Revenue Service last week announced the 2016 cost-of-living adjustments for the dollar limitations under qualified retirement plans, 403(b) plans and 457(b) governmental plans. Most pension plan limits remain unchanged for 2016. Click here to see 2016 limits as well as the limits for the previous two calendar years.

Jamie Kertis, AIF®, QKAjamie kertis headshot
Retirement Plan Specialist
Grinkmeyer Leonard Financial
1950 Stonegate Drive / Suite 275 /Birmingham, AL 35242
Office: 205.970.9088 / Toll-Free: 866.695.5162

Contact Jamie

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