• TRA Announces the Launch of our New Website
    August 16, 2018 - TRA Revamps Website with New Look, New Functionality and New Attitude The Retirement Advantage, Inc. (TRA), an industry-leading national retirement services company announced the launch of its newly revamped website at This redesigned website offers quick and easy access to essential information and features that offer an all-encompassing understanding of TRA and the innovative retirement products and services they provide. The new website boasts... Continue
  • TRA Hires a Texas Regional Sales Consultant
    August 8, 2018 - Paul Villanueva is now representing The Retirement Advantage in LA, MS and East Texas APPLETON, WIS. (August 8, 2018) – The Retirement Advantage, Inc. (TRA), an industry-leading national retirement services company is proud to announce the hiring of Paul Villanueva as their Regional Sales Consultant (RSC) covering East Texas, Louisiana and Mississippi, reporting to Jeffrey Schreiber, Director of Sales of TRA. Villanueva will be responsible... Continue
  • Taxes Deferred with a Cash Balance Plan
    July 31, 2018 - Taxes Deferred with a Cash Balance Plan A critical element in the explanation of the benefits of Cash Balance Plans is the estimate of the tax deferral that will occur.  The top federal income tax rate is now 37% and for earners at the highest bracket, this may be the minimal level of tax savings through contributions to a Cash Balance Plan.  State and local... Continue
  • Retirement Plan Deadlines Approaching
    July 24, 2018 - A traditional 401(k) plan must satisfy certain nondiscrimination testing to make sure benefits are equally applied to all employees, from the most highly paid to the lowest paid. These tests must be run at the end of each plan year and, depending on the test results, may limit how much you and your higher-paid employees can contribute to the plan. Running these tests also adds... Continue
  • Sample Qualifying Questions for Retirement Plan Opportunities – Business Owner Focused
    July 17, 2018 - What are you currently doing to reduce taxes for yourself and your business? Personal deferrals the business owner makes reduces their taxable income, and any employer contributions or plan expenses are deductible for the business. What is your exit strategy and what steps have you taken to prepare? Retirement plans can be a cost-effective and tax-efficient way to transfer a significant amount of assets from... Continue
  • Retirement Plan Distributions
    July 10, 2018 - Most people spend their working lives saving for retirement. But when you’re ready to retire, it’s a whole new ball game, and how you approach retirement distribution planning can have a huge impact on both your taxes and lifestyle. Whatever the reason, participant distributions present a complex set of rules for Plan Sponsors to navigate.   Participants can receive distributions from retirement plans for a... Continue
  • HSA vs 401(k) – Do you and your employees know the difference?
    June 26, 2018 - If your company has decided to offer a high deductible health plan, don’t worry, you are not alone. Recent studies show that an increasing number of employers have elected to offer high deductible health plans (HDHP) either to completely replace or be offered in conjunction with a more traditional Health Maintenance Organization (HMO)plan or Preferred Provider Organization (PPO) plan. When sponsoring an HDHP, employers typically offer their employees... Continue
  • Who is an Employee?
    June 19, 2018 - Maintaining a retirement plan for your employees is no easy task. At various points during the year, employers and HR departments field participant questions, help with enrollments, deliver notices and statements, and participate in the distribution process. However, an additional responsibility, and one of the most important, is the collection of data that is used for compliance testing and government reporting. Though all these duties... Continue
  • Cash Balance Opportunities under the Tax Cuts and Jobs (TCJA) of 2017
    June 12, 2018 - Wait a minute, shouldn’t an article about the tax benefits of Cash Balance Plans be written after yet another round of tax increases?  The Act says “Tax Cuts” right in the title! Some Taxpayers Not Eligible for Pass Through Deductions A major tax reduction strategy of TCJA was to provide some businesses with pass through income (Qualified Business Income (QBI)) deductions.  TCJA allows a deduction of... Continue
  • The Retirement Advantage Announces Jeffrey Schreiber as New Director of Sales
    June 5, 2018 - The Retirement Advantage, Inc. (TRA), an industry-leading national retirement services company is proud to announce the hiring of Jeffrey Schreiber as their Director of Sales, reporting to Matt Schoneman, President and Partner of TRA. Schreiber is responsible for leading the firm’s 18-person sales team, which partners with financial advisors, wealth managers and recordkeeping wholesalers nationwide to design and implement optimal retirement plans for businesses of... Continue


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Consider TRA's 3(16) Plan Administrative Relief Services (PARS)

To alleviate the day-to-day administrative burdens of your retirement plans.