Janie Kaminski

The thought of passing off tax-free dollars to a non-profit (and expecting to take a deduction). That's definitely not how it works. I've had to discuss that a time or two. I get why folks don't want the tax burden, but there's a reason why RMD rules are in effect. I've told my clients I will always look out for their best interest, and that they must also understand they might not always like what I have to say. It's just part of being a good service provider :-)

Same. One of the greatest challenges is working with folks who toe the operational bounds of plan administration. We can make recommendations and outline consequences, but they are ultimately responsible for their decisions and bear the risk of contrary outcomes. Good luck!

With a SHNEC provision, I know that discretionary matches above 4% are subject to ACP testing. If they also want to fund PS, how much of a margin could they have and still pass?