"Any insight, articles, or other resources anyone can share that would address the following questions: [1] Can different plans sponsored by companies that are a part of the same controlled group stop offering coverage for weight loss medications? [2] Can companies within the same controlled group decline to offer coverage for weight loss medications while others offer it? Even if they participate in the same welfare plan? [3] Can a plan limit or exclude new to market weight loss medications (non injectables)?"

"Before IRAs' custodial-account agreements next are amended (by December 31, 2027), those accounts will have been operated for about eight years with at least some in-operation provisions different than the ostensible written provisions. How does an individual learn which provisions are real, and which are displaced by Internal Revenue Code and other law changes? Remember, many, perhaps most, of an IRA's tax-sensitive provisions call for an individual to administer her account. Often, a custodian is protected in following the account holder's instructions. Why does the IRS not allow an agreement to state provisions by referring to the Internal Revenue Code?"

"This is a profit sharing plan with spouse owners only. Both are subject to the RMD. Husband died January 2026. Wife is the primary beneficiary. The Plan requires the RMD in year of death be based on the deceased date of birth and the beneficiary's DOB in the following years. Does the wife have the option of waiving the 2026 RMD without penalty? If she is eligible to waive, will she be subject to both 2026 and 2027 in 2027? Due to the non-liquid nature of plan investments, I do not believe she will be able to roll the husbands benefit to an IRA at this time."