Learn more about this year’s SECURE 2.0 changes and how to use them to differentiate your practice and deliver better client outcomes. 

Even as we settle into a new year, the retirement planning landscape continues to shift in response to a changing regulatory and policy environment, market volatility, inflation pressures, and numerous other factors. These changes can bring more complexity—and more opportunities—for advisors and their clients. And while advisors can’t control the markets or changing demographics, they can understand and navigate policy shifts in a way that helps drive the best possible outcomes for their clients.

The first step toward leveraging these policy shifts is understanding what’s changed. Enhanced contribution limits, a Roth-only catch-up requirement, evolving withdrawal strategies, and expanded incentives for small businesses are all redefining how advisors can support clients through this tax season and beyond. 

To maintain a competitive edge in your practice and deliver lasting value, integrating innovative wealth strategies with retirement-focused solutions is essential. Addressing both immediate and long-term goals strengthens client relationships, while also highlighting your expertise in comprehensive financial planning. This dual approach not only enhances client outcomes but also positions your practice as a reliable partner in navigating the complexities of financial and retirement strategies.

Explore how cost of living adjustments (COLAs) impact contribution limits and the operations of qualified retirement plans, SEP plans, and SIMPLE plans. Learn about the annual adjustments required by Section 415 of the Internal Revenue Code and how they affect your clients' retirement planning.

Watch how dedicated service teams can enhance client relationships and achieve retirement plan goals. Our Advisor Stories series showcases real-world insights and strategies from successful advisors.  

Learn how advisors can transform retirement plan participation rates through strategic planning and personalized support. 
 
 Our Advisor Stories series showcases real-world insights and strategies from successful advisors.

Explore how advisors can make a significant impact on clients' financial journeys through personalized guidance and support. 
 
 Our Advisor Stories series showcases real-world insights and strategies from successful advisors.

Use these tips to encourage younger generations to start saving for retirement — enhancing your advisory practice and fostering long-term client relationships. 

Understand what retirement plan sponsors look for in a financial advisor to effectively showcase your value and grow your business.

Help clients find simple opportunities to save more money, positioning yourself as a supportive and effective advisor.

Learn how mastering technology, offering comprehensive resources, and prioritizing two-way communication can help you build trust with clients as an advisor.  

Enhance your advisory practice by bridging the financial literacy gap among clients, positioning yourself as a valuable resource and trusted advisor. 

Prepare for new client meetings by anticipating key questions and providing thoughtful answers to build trust and establish long-lasting relationships.

Guide clients to stay on track with their retirement savings goals, fostering retirement confidence and long-term financial success. 

Explore a sample of our Plan Health Report to leverage research and data provided by our recordkeeping platform. These insights help you understand specific plan activities, compare plans to others, and identify features that drive optimal retirement readiness.

Help your clients confidently navigate their investment journey by understanding and managing their risk tolerance, positioning yourself as their trusted financial guide.

Enhance client retention and grow your advisory practice by building strong relationships through effective communication and personalized engagement.

Through Ascensus, advisors can offer a fully integrated financial wellness program powered by Financial Finesse. This holistic financial wellness benefits program combines retirement plan administration with fundamental financial education and coaching. It is designed to help improve employee financial well-being by addressing daily finances, such as debt and budgeting, so they can save more effectively for retirement.

Insights from Ascensus Executive Chairman David Musto

Artificial intelligence is reshaping retirement plan administration by improving data accuracy, streamlining operations, and delivering better outcomes for savers. In this video, Ascensus Executive Chairman David Musto shares how predictive analytics and intelligent automation are changing how retirement plans are designed, managed, and delivered. 

Discover actionable insights to help you strengthen plan performance and deliver more value to your clients. This recorded webinar offers practical strategies for retirement advisors and plan sponsors focused on driving growth and improving outcomes.

Help clients understand the implications of IRS Notice 2024-02 and unpack the new Roth employer contribution rules, including key distinctions from in-plan Roth conversions. Learn how these updates may impact plan design, tax planning strategies, and client conversations around retirement savings. 

Help clients understand how to use de minimis financial incentives to boost retirement plan participation under IRS Notice 2024-02. Explore eligibility rules, tax treatment, and open questions surrounding third-party incentives. 

Help clients understand the new terminal illness penalty exception under IRS Notice 2024-02, including how it differs from other early distribution provisions, current limitations, tax implications, and expected regulatory updates. 

Help clients take full advantage of SECURE 2.0’s enhanced tax credits with insights from IRS Notice 2024-02. Explore eligibility rules and planning opportunities for startup cost, employer contributions, and military spouse participation credits. 

Help clients navigate midyear SIMPLE IRA terminations under IRS Notice 2024-02, including key compliance steps and contribution limits when transitioning to a Safe Harbor 401(k). Learn more about the IRS’s guidance on documentation, rollover rules, and contribution coordination during the plan switch. 

Help clients understand how IRS Notice 2024-02 clarifies automatic enrollment requirements under SECURE 2.0, including how plan establishment dates, mergers, and spin-offs affect compliance. Explore what qualifies as a pre-enactment plan and how these rules apply to 401(k), 403(b), and starter plans. 

Help clients navigate the latest IRS guidance on elective deferral failures and explore how Notice 2024-02 makes the safe harbor correction method permanent under SECURE 2.0. Learn how this impacts plan sponsors’ correction strategies and what advisors need to know when guiding clients through compliance. 

Help clients choose the right retirement plan provider by comparing key factors beyond fees to ensure better service and participant engagement. 

Help clients understand the costs associated with their retirement plans, ensuring they choose the best provider for their business. 

Help clients understand the costs associated with their retirement plans, ensuring they choose the best provider for their business. 

Help clients navigate the decision between state-facilitated retirement programs and other qualified retirement plans by guiding them through the benefits and considerations of each option. 

Help clients understand the impact of SECURE 2.0 on long-term part-time (LTPT) employees and guide them through eligibility rules, ensuring compliance with new regulations. 

Help clients understand and leverage the SECURE 2.0 Act to establish effective retirement plans, guiding them through the incentives and benefits for both business success and employee financial well-being. 

Explore the concept of "getting there" both personally and professionally, and how it aligns with helping clients achieve their retirement goals. 
 
Our Advisor Stories series showcases real-world insights and strategies from successful advisors.

Learn how partnering with the right service provider can provide the expertise needed to grow your advisory practice.

Our Advisor Stories series showcases real-world insights and strategies from successful advisors.

Discover the importance of viewing service providers as partners to enhance client service and achieve better outcomes.

Our Advisor Stories series showcases real-world insights and strategies from successful advisors.

Discover how advisors leverage service partnerships to deliver intuitive technology and expert support, enhancing retirement plan experiences for both companies and employees. 
 
 Our Advisor Stories series showcases real-world insights and strategies from successful advisors.

Learn how effective communication and partnership can transform retirement plan engagement and employee morale. 

Discover how PEPs can help advisors grow their business by leveraging economies of scale, reducing administrative burdens, and enhancing participant outcomes. 

Learn how advisors can launch their own branded PEPs to increase brand awareness and grow their retirement practice.

Explore how advisors can use PEPs to collaborate with Centers of Influence for cross-selling and expanding their business.

Learn how advisors can use PEPs to increase profit margins by improving efficiencies and reducing costs.

Leverage advanced technology, expert insights, and comprehensive plan solutions to drive efficiency, improve outcomes, and amplify your retirement practice with Ascensus.