ERISA Services, Inc.
Plumbers Local Union No. 1 Benefit Funds
Pension Rights Center
RTD Financial Advisors
Retirement Plan Consultants
Farmer & Betts, Inc.
Retirement Industry Trust Association (RITA)
Hochheiser Deutsch & Co, Inc.
Kentucky Trust Company
Loren D. Stark Company
Nicholas Pension Consultants
EPIC Retirement Plan Services
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|What to Do with ADP/ACP Refunds: Personal Finance Aspects|
BenefitsLink Message Boards
Mar. 8, 2021
"Has anyone ever seen a document for people getting ADP/ACP refunds that addresses the following critical point: what one does with the refunds will dictate the ultimate impact.
So others can probably write more eloquently (and with more expertise) than me on:
-Availability of deductible pre-tax IRA's
-Availability of current year 401k contributions for you or your spouse to offset
-Availability of Roth IRA contrbiutions (if not over limits)
-Availability of back door Roth IRA contributions
-Simply investing in an after-tax account (capital gains, municipal bonds,etc).
It seems to me that if there were such a document it would go a very very long way.... I could probably write such a thing with all appropriate disclaimers. I could even do a bit of a choose your own adventure (whats your AGI? Are you married? etc)."
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