Medicare was passed by Congress in 1965 as health coverage for those age 65 and older, regardless of income and medical history. It’s now been expanded to cover younger, disabled people. It’s important to understand who is eligible for Medicare and understand the different parts, as well as the costs of this program. Watch this session to understand the parts of Medicare and how best to help your client plan and execute a benefit strategy.

Learning Objectives:
• Explore an overview and origin of Medicare
• Understand eligibility and coverage
• Discuss the costs of the various parts of Medicare
• Identify additional coverage choices
• Strategize the planning and coordination of benefits

Important Note: Watching this recorded webinar does not qualify you for CE credit. Only attendees & participants of the live broadcast gained eligibility.

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This session reviews the SECURE 2.0 requirement that, beginning in 2026, all catch-up contributions for certain highly paid participants be made to the plan in the form of Roth, including the recently issued proposed regulations, and discusses considerations related to the administration of the provision and communicating it to participants.

Learning Objectives:
• Understand which participants must have their catch-up contributions made as Roth under the SECURE 2.0 requirement
• Understand what clarifications and guidance were provided in the proposed regulations
• Understand the administrative challenges associated with the requirement
• Understand the communication needs associated with the requirement

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Social Security represents 24% of the Federal budget and approximately 60 million Americans receive benefits. To say it is a big program is an understatement. And, understanding Social Security is crucial to all those who will soon need to claim those benefits. Attend this seminar to learn about Social Security, its history, the different types of benefits, and what you need to know about executing a Social Security planning strategy.

Learning Objectives:

• Understanding of the various types of social security benefits
• Awareness of how the program operates and its funding
• Understanding the taxation rules of social security benefit
• Knowledge of benefit eligibility and calculation

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We know your primary focus is on wealth management, and managing retirement plans can seem daunting. However, the 401(k) market offers untapped potential for deeper client relationships, new revenue streams, and long-term business growth.

The Retirement Advantage, Inc. (TRA) and Opus Capital Management, LLC. invite you to view this development session designed for advisors looking to expand into the retirement plan space without the administrative burden.

Learning Objectives:

• Expand Your Service Offering: Understand how to position yourself as a retirement plan resource for business owner clients while maintaining your expertise in wealth management.
• Increase Revenue Streams: Explore how Opus’s Advisor Assist program helps you monetize 401(k) opportunities while outsourcing administrative tasks to TRA and Opus.
• Leverage TRA’s Expertise: Learn to utilize TRA’s comprehensive plan administration, compliance, and fiduciary support to enhance client service.
• Streamline Your Growth: Discover how TRA and Opus support your growth through personalized follow-up and joint calls to implement actionable steps quickly and effectively

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This course explores cash balance retirement plans and their uses, how they operate, and how they can be used in conjunction with 401(k) plans. Understanding the differences between cash balance and 401(k) plans is another key theme throughout the presentation. This course also helps students identify which organizations may benefit from a cash balance plan and how to initiate these discussions with business. Also discussed are cash balance plan design considerations, reporting and compliance rules, and the process by which these plans are established.

Learning Objectives
• Awareness of when cash balance plans (CBP) are appropriate.
• Become familiar with 401(k) and cash balance coordination.
• Understand cash balance plans and how they operate.
• Familiar with investment process and structure.
• Cognizant of the roles and duties of the cash balance team.

Note: The viewing of this recording does NOT qualify you for CE credit, as only qualifying viewers and participants of the live event had eligibility for CE.

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This session provides an in-depth review of the rules related to forfeiting unvested balances and the requirements for the timely use of forfeitures within retirement plans. This session covers the recent changes introduced by the proposed regulations and discusses current forfeiture-related litigation. We also outline the necessary steps to ensure compliance and mitigate the risk of lawsuits.

Learning Objectives:

• Understand the general rules related to the forfeiture of unvested assets
• Understand the timing rules for when those forfeited amounts must be used by the plan and how to comply administratively with those rules
• Understand what plan document provisions create a risk of forfeiture litigation and what steps can be taken to mitigate the risk of a lawsuit

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As traditional defined benefit plans decline, Cash Balance Plans are quickly rising in popularity—offering a tax-efficient, hybrid solution that can help high-earning clients defer significant income while reducing business costs.

Whether you’re new to Cash Balance Plans or looking to sharpen your strategy, this session provides actionable insights to help you grow your business.

Learning Objectives:

• How Cash Balance/401(k) combo plans maximize tax deferrals
• Ideal client profiles and real-world use cases
• Plan design flexibility for solo and group employers
• Strategic funding and exit planning opportunities
• Key compliance and investment considerations

Why Watch?

• Help clients lower taxes and retain talent
• Offer differentiated retirement plan strategies
• Expand your market to high-income professionals and business owners
• Learn from leading experts in plan administration and investments

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Join us as we delve into the automatic enrollment mandate under SECURE 2.0. This session is specifically designed to provide a comprehensive overview of the mandate, focusing on its general applicability to new plans and the recently issued proposed regulations. Additionally, we explore how this requirement can unexpectedly apply to grandfathered plans in the context of certain mergers and present strategies to mitigate this risk.

Learning Objectives:

• Identify Applicable Plans: Gain a clear understanding of the plans subject to the SECURE 2.0 automatic enrollment mandate.
• Mergers and Grandfathered Plans: Learn about the specific conditions under which a merger may trigger the mandate for grandfathered plans.
• Strategic Mergers: Discover effective strategies for merging plans to ensure that the grandfathered status of the surviving plan is preserved.

This webinar is an excellent opportunity for professionals involved in retirement plan administration and fiduciary services to stay informed and compliant with the latest regulatory requirements.

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Retirement income security comes through allocations to a variety of guaranteed types of retirement income sources. When these guaranteed retirement-income sources are either not enough, not available or not required, investors look to the capital markets for nonguaranteed retirement income. In this presentation, we review retirement income expectations, the need for education on the tradeoffs, review the expected and actual retirement-income sources of workers and retirees and provide a retirement-income solutions roadmap for fiduciaries to consider. We then offer an overview of both retirement-income products and services as well as helpful examples, definitions and matrices for process development and organization. We then conclude with a review of an open- source retirement-income toolkit, a series of product and service matrices, a simple framework for a retirement income process and a glossary of retirement income terms to help fiduciaries begin and develop their own approach to managing retirement income solutions.

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The investment policy statement (IPS) is not a static document. Changes in the macroeconomic, inflationary, and regulatory environments call for an ongoing reevaluation of any IPS and prudent plan officials seek to incorporate these changes on a timely basis.

Therefore, with myriad changes to consider given today’s investment and regulatory environment, and the rapidly developing world of investment products and portfolios, DC investment fiduciaries are taking a fresh look at their overall IPS approach and process. In doing so, many DC sponsors and fiduciaries are recognizing that many IPSs are out of date. An outdated IPS can create gaps in the overall risk management strategy.

In this presentation, we review the history and purpose of an IPS in DC plans. Then we look at some changing trends, regulations and market conditions that might impact traditional IPS language. Then we dive deeper in to some potential IPS gaps and problems plan committees can address with timely IPS amendments and updates. Lastly, we explore managed accounts and their unique evaluation and monitoring challenges within the IPS.

Learning Objectives

• Create a general understanding of the history and purpose of defined contribution (DC) investment policy statements (IPS)
• Realization of how changing trends, regulations and market conditions might impact IPS language
• Updating managed account language and processes within the IPS
• Consideration of pending changes and the need for timely IPS amendments

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Plan participants may have a new ability to treat employer contributions as designated Roth contributions within 401(k), 403(b) or governmental 457(b) plans, in addition to their own deferrals. If the plan permits, participants may elect to treat their vested employer contributions as a designated Roth matching or nonelective contributions in the year the amounts are allocated to their accounts. This process offers a strategy to reduce future required minimum distributions and create additional tax-free Roth distributions. The course overviews the trade-offs and considerations when making decisions concerning designated Roth contribution opportunities.

Learning Objectives

• Exploring the mechanics of the designated Roth contribution election process
• Familiarity with the tax and reporting implications of these elections
• Plan operational and timing requirements
• Awareness of plan amendment and timing rules

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Matching student loan payments is a new and intriguing option available for plan sponsors introduced within the SECURE provisions. Recent IRS guidance has provided a framework outlining how this provision operates. This presentation outlines the mechanics of the student loan matching programs and the impact on plan sponsors and participants. Areas that are highlighted include the timing and reporting aspects rules, the impact on compliance testing, and the participant notification requirements.

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Designing effective qualified retirement plans that meet a plan sponsor’s objectives has become somewhat of a lost art. The reasons are many: Cookie-cutter designs are easier; safe harbor designs get media attention; the flexibility of modern plan documents are overlooked; and pre-approved plans can satisfy most sponsors’ needs.

Learning Objectives

• Appreciate the importance of the plan design process;
• Comprehend why plan design has been de-emphasized;
• Identify strategies to help ascertain plan sponsor objectives;
• Understand how to meet plan sponsor objectives using a variety of plan features; and
• Apply specific plan design options to meet objectives.

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The Pension-Link Emergency Savings Account (PLESA) provides participants a tool to accumulate accessible emergency savings amounts within their retirement plan at work. The participant may take distributions from the PLESA account during the year. In addition, the deferrals to the PLESA account can be matched by the plan sponsor. PLESA accounts must be invested in conservative, principal secure investment vehicles. The PLESA is an optional provision and plan sponsors considering this strategy will weigh the benefits to the participants with the increased complexity to the plan.

Learning Objectives

• Understanding which plan sponsors should consider offering a PLESA.
• Familiarity with the eligibility criteria and contribution limits.
• Investment rules are different for PLESA amounts and the student will be aware of these requirements and the impact they have on plan operations.

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The Long-Term Part-Time Employee (LTPTE) rules can create significant compliance challenges for plan sponsors and service providers who are unaware of scope and implications of these requirements. This presentation highlights the nuances of these rules and how they impact eligibility, vesting, compliance testing, audits and Form 5500 filings. Multiple examples will illustrate the day-to-day impact of these rules and how plan design considerations can mitigate their overall impact.

Learning Objectives

• Understand the changes in the LTPTE rules from 2024 to 2025
• Apply eligibility and vesting rules appropriately
• Comprehend the impact of LTPTEs on plan testing
• Know when documents are required to be amended

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SECURE Act 2.0 gives small business owners exciting new tactics and strategies designed to help them achieve business goals as well as retirement savings objectives for themselves and their employees. Watch this webinar to learn how to use qualified retirement plans and executive compensation arrangements to increase retirement income security. The session also covers new retirement plan design options and enhanced tax credits available as a result of law changes, plus learn how implementing a plan governance process can help mitigate fiduciary liability.

Learning Objectives:

• Use retirement plans to achieve business goals
• Understand key provisions of SECURE Acts 1.0 and 2.0 affecting retirement plans
• Learn the elements of a plan governance process
• Identify popular executive compensation arrangements
• Consider financial wellness programs for employees

Important Note: Watching this recording does not satisfy eligibility for receiving CE credit. Certificates for CE were only reserved for attendees of the live broadcast that met requirements for qualification.

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Are your clients searching for a retirement plan that attracts top talent while streamlining administration? The TRA Select 401(k) PEP is the perfect solution. This innovative retirement plan is the result of a strategic collaboration between The Retirement Advantage, Inc. (TRA), Empower, Envestnet, and AmericanTCS, offering unparalleled value and simplicity.

Join us for an exclusive webinar to explore how the TRA Select 401(k) PEP can revolutionize your retirement plan offerings.

Learning Objectives:

• Learn how to simplify your clients 401(k) plan management and reduce administrative burdens
• See how Empower’s full-service recordkeeping solutions make managing retirement plans seamless for your team
• Discover how our expert team—featuring FiduciaryxChange, Empower, Envestnet, and TRA—works to deliver personalized solutions for your business
• Understand how joining the TRA Select 401(k) PEP lets you maintain flexibility while accessing the benefits of collective purchasing power
• Explore customizable options designed to meet your clients specific business needs and goals
• See how the TRA Select 401(k) PEP can help you grow your retirement plan and wealth management business

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The largest portion of retirement income for retirees comes from workplace retirement plans. Yet, roughly 56 million individuals (35%) do not have access to retirement plans at their place of work. To address the lack of plan access head on and a mounting retirement income crisis, a growing number of states now require private-sector business owners without retirement plans adopt state-sponsored retirement plans for their workers.

We will discuss the history of state-sponsored retirement programs, which states have programs in place, those that will be launching one in the near future, the features of each state plan and possible alternatives for employers in impacted states. Plus, we will discuss the provisions of SECURE Act 2.0 that affect state-sponsored retirement plans.

Learning Objectives:

• Understand why state felt compelled to sponsor retirement plan programs for private-sector workers
• List the states that have implemented and launched a state program, and the states that are still in development
• Articulate the impact that SECURE Act 2.0 legislation has on the features of state-sponsored retirement plans
• Describe the types of plan alternatives that are available

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This course is intended to support plan sponsors and their professional advisors by optimizing the plan amendment process to ensure the plan is crafted to support and enhance the organization’s culture and ethos. The impending plan amendment process is the ideal opportunity to review the plan and make changes to it aligns more closely with the objectives of the organization.

The material overviews the new optional and required provisions and discusses what the amendment process entails including the timing and documentation requirements. Impending IRS and DOL initiatives are also explored along with potential implications for the plan sponsors.

Learning Objectives:

• Provide plan sponsors the understanding necessary execute the plan amendment process.
• Offer an overview of the new provisions, the implications of these provisions and when such provisions should or should not be considered.
• Enable plan sponsors and their advisors to make effective decisions aligning plan provisions with organizational goals and objectives.
• Highlight impending IRS and DOL initiatives and apprise plan sponsors of the possible impact such guidance may have on their qualified plans.

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Client events are a powerful way to enhance and expand an advisory practice—when done right. While successful events can set you apart and strengthen client relationships, they can become unproductive without effective follow-up.

This webinar equips advisors with strategies to maximize the impact of client events, from planning and execution to follow-up.

Learning Objectives:
• Leverage Client Events for Growth – Understand how to use events to differentiate your practice and deepen client relationships.
• Plan and Execute Effective Events – Gain insights on how to plan and run events that resonate with your target audience.
• Enhance Follow-Up and Support – Learn techniques for ensuring effective post-event follow-up to drive long-term results.

By the end of this session, you’ll be ready to turn client events into a strategic advantage for your practice.

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Social Security is the Golden Key to opening doors to ancillary sales of Medicare, Life Insurance, Annuities & Assets Under Management. Watch this webinar if you want to get in front of more prospects, make more appointments, and build a pipeline of current and future sales opportunities.

The RSSA^® Program is a turn-key Social Security education, technology, marketing, and support program to turn insurance agents into a trusted Social Security advisor.

Social Security knowledge will allow you to build client trust and rapport and open the door for organic insurance and financial product sales. This is a unique approach that will differentiate yourself and provide you with the knowledge to help your clients with their Social Security questions and claiming decisions, a much needed and very important service to offer.

Learning Objectives:

• Learn how Social Security knowledge can boost credibility and deepen client relationships.
• Set yourself apart as a trusted advisor, and open doors to additional sales opportunities in insurance and financial products.
• Gain insights into RSSA® Program’s education, technology, marketing, and support offerings to attract more prospects and increase appointment bookings.

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Cybersecurity is an epic concern not only in the United States, but globally, as well.  Today’s hackers are modern day Willie Suttons, targeting high-balanced financial accounts because, “That’s where the money is.” Due to the massive amount of assets in retirement plans, regulatory agencies are making cybersecurity in retirement plans a top focus. During this webinar, we discuss the Department of Labor’s “three points of light” from its guidance, and the practical and tactical actions financial advisors, plan sponsors and plan participants can take now to tighten security around retirement assets.

Learning Objectives:

• Understand the latest guidance on cybersecurity for qualified retirement plans
• Adapt the tips for hiring a plan service provider
• Know cybersecurity program best practices for qualified retirement plans
• Recognize the role of the financial advisor in cybersecurity

Important Note: Any and all references to CE credit are no longer applicable, as this is merely a recording and qualification for eligibility to receive a certificate requires attendance and participation during the actual live event.

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It’s a hard-knocked life. Businesses shut down, owners pass away, partners have to quickly flee for unknown reasons. What happens to a retirement plan if no one is around to make decisions or authorize actions? This session provides information about:

Learning Objectives

• Determining when a retirement plan is orphaned or abandoned.
• Identifying the roles and responsibilities of a Qualified Termination Administrator (QTA).
• Recognizing the limited liability of being a QTA.
• Handling the payment of fees for an orphaned or abandoned plan.

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Congress enacted the Employee Retirement Income Security Act of 1974 (ERISA) to help protect the benefits of workers who participate in retirement plans of private-sector employers. ERISA entrusts the care of these benefits and the proper operation of retirement plans to “fiduciaries” of the plans, such as the business owners who sponsor them. ERISA requires plan fiduciaries to act solely in the interest of plan participants and beneficiaries, with the exclusive purpose of protecting retirement benefits and defraying reasonable expenses of administering plans. Fiduciaries who fail can face penalties and personal liability for plan losses. Attendees of this course will be able to accomplish the following objectives.

Learning Objectives:

• List the four key responsibilities of plan fiduciaries.
• Learn how to identify plan fiduciaries.
• Understand the potential consequences of a fiduciary failure.
• List fiduciary liability reduction strategies and tactics.
• Differentiate between the two Department of Labor (DOL) fiduciary correction programs.

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Are your Illinois-based business clients ready for the state’s retirement plan mandate?

The statewide mandate of Illinois Secure Choice requires most employers to either enroll in the one-size-fits-all Illinois Secure Choice program or sponsor their own customized qualified plan.

It’s time to help your Illinois business clients by showing them cost effective and beneficial retirement plans that will comply with the new law.

To learn more, please take a look at this webinar from The Retirement Advantage, Inc. (TRA) and John Hancock Retirement: Help Business Owners Benefit From the Illinois Retirement Mandate. In the webinar, we cover:

• Overview of the IL Secure Choice Retirement Savings Program
• How to create a winning business retirement plan design
• Critical next steps for your business clients
• Q&A segment after the presentation

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Fully understanding all the benefits available to your clients through their company-sponsored retirement plan can be daunting.  Let us help make it easier.  Together we will identify important plan features, options and opportunities you may be overlooking.  We want to help empower you with custom strategies to optimize your clients’ retirement planning to its fullest.

Learning Objectives:

• Identify key considerations of a rollover
• Understand a plan’s unique options
• Use in-service distributions to access to plan assets while working
• Understand special tax rules for NUA in employer securities
• Learn about non-Roth after tax-accounts
• Consider defined benefit plan lump sum payouts

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