TRA MAKES NEWS HAPPEN

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  CASE OF THE WEEK – Rule of 55

  July 2, 2026 - The Rule of 55 may allow former plan participants to take penalty-free distributions earlier than usual. Preserving it is a consideration when contemplating a change of employer. Continue
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  CASE OF THE WEEK – Where Trump Accounts Fit

  June 26, 2026 - Position Trump Accounts alongside 529s, Roth IRAs, UTMAs, ESAs, brokerage accounts, and trusts as a supplemental starter tool within a diversified family savings strategy. Continue
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  CASE OF THE WEEK – Retirement Plans and M&A’s

  June 19, 2026 - Learn how advisors can guide clients through M&A by addressing retirement plan strategy early, preserving flexibility, and avoiding post‑closing compliance issues. Continue
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  CASE OF THE WEEK – DFVCP Special Filing

  June 12, 2026 - Learn how small 501(c)(3) organizations can use the DFVCP to correct missed Form 5500 filings, with potential penalty relief capped at $750 when eligibility requirements are met. Continue
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  CASE OF THE WEEK – Long Term Care Policy

  June 5, 2026 - Learn how long-term care (LTC) distributions from defined contribution plans work, including eligibility rules, tax treatment, annual limits, and how participants can access funds penalty-free to pay qualified LTC insurance premiums under IRS Notice 2026-33. Continue
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  TRA’s Approach to AI in Retirement Plan Administration

  June 4, 2026 - AI Is Not the Future. It Is the Operating Model. Artificial intelligence is often framed as an emerging capability. For organizations focused on long-term growth, it is increasingly becoming part of the operating model. At The Retirement Advantage, Inc. (TRA)®, the focus has not been on experimenting with AI in isolation. It has been on rethinking how work gets done and where manual effort can... Continue
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  CASE OF THE WEEK – After-tax Not New But Nuanced

  May 29, 2026 - Explore the pros and pitfalls of after-tax 401(k) contributions, including higher savings potential, mega backdoor Roth opportunities, and key testing and compliance considerations. Continue
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  CASE OF THE WEEK – Roth Matching Contribution

  May 22, 2026 - Understand how SECURE Act 2.0 allows 401(k) plans to offer Roth employer contributions, including key rules, tax treatment, and considerations for plan sponsors. Continue
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  Plan Sponsors Ask…

  May 19, 2026 - Fidelity data shows rising Roth 401(k) contributions among younger workers, with growing adoption by Gen Z and Millennial participants. Continue
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  CASE OF THE WEEK – Substantially Equal Periodic Payments (SEPPs)

  May 15, 2026 - Learn how substantially equal periodic payments, SEPPs, can help IRA owners under age 59½ avoid the 10 percent early withdrawal penalty, including key rules and requirements. Continue