Leaderboard

Maybe your philosophy, not mine. Every question is important or shouldn't be asked (there are some posts that shouldn't be asked and I do not reply to them). If you can look at your original question and then look at your second posting (after I noted I had no idea what your first question meant) and think the first one was a reasonable posting to ask others to consider, then nothing I will say will have an impact. I say this not just to you, but to everyone: flesh out your posted questions and provide more information than you think may be needed. TMI is never the case here. FWIW.

The doc I have worked on the only benefit of NRA is 100% vesting. I reviewed that with the attorney's at Corbel long ago and they told me to just preserve the 100% vesting at the prior age and change NRA. In the conversation you are having with yourself, one of you makes perfect sense to me.

I think you can self correct this with a retro active amendment.

You've never heard of a dispiary factot before? What are you taking a high school class in 401k plans or something?