"One of our sponsors of a solo 401(k) & PS Plan reached out to me today asking about doing their profit sharing as Roth for the 2026 plan year. ... I have a few quick questions on how I should handle this:

• Is this something they are allowed to do for solo plan profit sharing contributions (assuming the needed amendment is made), or am I missing something?
• How should I handle talking about this to them, scope-of-practice wise? I can't attest too much to the tax implications of Roth employer, especially in a solo plan. As a TPA/recordkeeper, my gut tells me it's wise to define my scope as being able to tell them what kind of contributions they are allowed to make & how much, as well as processing them, however determining how Roth employer would affect plan compensation (especially as a solo plan), taxes, and any other implications are outside our scope and should be discussed with a CPA. Is this the right place to draw a line, or do I need to spend some time diving into the details of Roth employer & speak to the implications of it?"

"I know there was an allowance during Covid. A client is asking if they can witness the spouse's waiver via remote video. My answer was going to be have the spouse show driver's license to confirm the person is the spouse. I'll check further on the rules for this. But does this sound ok? Follow - up - I checked the regulations on this. No need to comment (unless you want to.) Thank you"

"Small S-corp has come to me looking to install a plan. Husband and wife and two kids are the only employees. Simple, right? They mention that Western Employee Services is the EIN on their W-2s and also handles all their other benefits. This isn't a problem, is it? I'm not entirely sure what to ask who next. Kind of sounds like a PEO situation, but that should still allow Small S-corp to have their own plan with no ties to the larger population, I think."

"I've been waiting for going on five years for, according to my ex, a signature from her former employer, who had her initial 403(b) plan from which the money is coming from. I'm curious if I will be receiving the full earnings (or losses) since the Division Date (November 2021), regardless of this continuing delay. The order states that: 'from the division date to the date the alternate payee's account is established, the amount assigned to the alternate payee will include earnings and losses.' This 'alternate payee's account is established,' is this referring to the separate sub-account that was supposed to have been made in my name by the Plan Administrator to divide the funds from her account? (And confirming that earnings and losses continue in this sub-account.) I want to confirm that this 'alternate payee's account' is NOT referencing the date that I created the account (in Vanguard) that I am having the amount land in. (and therefore earnings & losses would cease on that date per the order)."