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Both the employer’s matching contributions and the employee’s voluntary after-tax contributions should be factored into the ACP test for compliance purposes.   

John, age 58, just passed away (DOD is September 24th). His wife, Stacey, is the sole beneficiary of his IRA and she is 60 year’s old. Which action(s) below can/must happen with John’s IRA? (select all that apply)

A client is looking to get market-level returns and he is willing to take market-level risks. He is already retired, and he is not reliant upon his portfolio for retirement income. He sold his business on an installment payment and the combination of this and Social Security will more than meet his needs. Which option below would be the worst thing for him to consider?

Financial professionals should simply use the headline CPI-U (inflation) number as a retirement planning assumption.

Which scenario(s) would brand someone as a fiduciary? (select all that apply)

Which of the following best describes a Rabbi Trust?

The higher the employee’s tax bracket, the greater the tax savings by using a tax-advantaged retirement plan.

Rebecca is newly retired. She just signed up for Medicare Parts A, B, & D. She wants some additional coverage just for peace of mind. S leads an active lifestyle and plans to travel a decent amount to visit friends and family in six different neighboring states. Which option is best for her to enable additional coverage? 

George is 53 years old and an active participant in his employer’s money-purchase pension plan. His wife, Barb, age 47, is not employed. They file a joint tax return and have AGI of $185,000 in 2025. both George and Barb are allowed to make a $7,000 deductible contribution to both George and Barb’s traditional IRA accounts for 2025.

With respect to early retirement, which of the following statements is true?