"An effective uncashed check policy starts with a clear statement of intent, creating a compliant, standardized framework for addressing uncashed checks, and ensuring consistency with ERISA, IRS, and DOL requirements.... A strong policy includes a section defining clear terminology so that all stakeholders -- plan administrators, recordkeepers, auditors, and fiduciaries -- are aligned.... [A third] section forms the core of the policy, outlining how the plan handles different uncashed check scenarios. "  MORE >>

"For 2025 taxes due in 2026, the Saver's Credit is limited to $1,000 for individuals or $2,000 for married couples filing jointly whose income is less than certain thresholds and who have contributed in the previous year to a ... qualifying retirement plan.... [T]he average amount claimed by taxpayers of all filing statuses via the Saver's Credit in 2022 was $194."  MORE >>

"Most advisors are using artificial intelligence (AI) to gain incremental efficiency by automating routine tasks, but the larger opportunity lies in redesigning workflows to enable proactive plan monitoring, true personalization at scale, and scalable expertise.... Differentiation is more likely to come from disciplined integration rather than speed, combining AI with human oversight, compliance guardrails, and validation protocols."  MORE >>

"For crypto specifically, attention hinges on the design of the upcoming fiduciary safe harbor. This regulatory ''checklist' is intended to immunize fiduciaries from liability for investment losses, provided specific standards are met. Its critical pillars are expected to include qualified custody requirements, liquidity constraints and portfolio allocation caps. Even after the major regulatory hurdle is cleared, however, broad adoption will likely unfold more akin to a glacial shift over several years than like a speculative spark."  MORE >>

"Mr. Kitces proposes that Monte Carlo modeling using probability of success scores should still be developed, but the success scores should actually be withheld from clients and re-interpreted.... A much simpler and straightforward solution is to use an approach like the Actuarial Approach that compares household assets to spending liabilities."  MORE >>

"Plan sponsors should consider the following strategies to ensure timely mailings when using USPS: [1] Request a manual postmark:... [2] Mail early.... [3] Postage validation imprint (PVI).... [4] Proof of mailing."  MORE >>