Sentences with phrase «because plan assets»

From a business standpoint, IPPs are also attractive, because plan assets are 100 % creditor - proof.

Not exact matches

On Thursday, Fitch Ratings said it would downgrade Sunac to BB - and put the company on rating watch negative because of its plan to acquire the Wanda assets.

Poor planning could force your heirs to sell valuable or sentimental items because they don't have the liquid assets to pay those taxes, said Scroggin.

Advisers who presently are fiduciaries may be especially likely to fully satisfy the PTEs» Impartial Conduct Standards before January 1, 2018, in the ERISA - plan context, because advisers who make recommendations to plans and plan participants regarding plan assets, including recommendations on rollovers or distributions of plan assets, are already subject to standards of prudence and loyalty under ERISA and a violation of the Impartial Conduct Standards would be subject to claims for civil liability under ERISA.

There appears to have been an assumption that this disclosure is required, because these funds constitute «Designated Investment Alternatives,» a term defined by the applicable disclosure regulations as «an investment alternative designated by the plan into which participants and beneficiaries may direct the investment of assets held in, or contributed to, their individual accounts.»

Cousins found that Sulyma had actual knowledge of the facts underlying his substantive claims because the financial disclosures provided information about plan asset allocation and an overview of the logic behind investment strategy.

Though Trump and Dillon claimed that their plan resolved questions about conflicts of interest, ethics experts disagree: Because Trump still knows what his assets are and the identities of those with whom he does business, they say, Trump still knows more than enough to favor his company.

Even a 401 (k) rollover into an IRA — which would require exemption from the fiduciary rule using a Best Interest Contract Exemption (BICE) because it's expected to cost more than the 401 (k) plan — can improve the quality of a client's investments if the client couldn't access that asset in his or her 401 (k) plan, said Joe Taiber, managing partner at Taiber, Kosmala & Associates.

While the company plans to sell some non-core assets to pay for these transactions, that strategy could prove problematic now that crude has fallen below $ 45, because it will likely drive down the value of those assets.

Because the business plan is funded through internally generated cash flows and opportunistic asset sales, Brixmor's focus (from a balance sheet perspective) is on continuing to extend its weighted average debt and opportunistically accessing the unsecured markets to drive EBITDA growth.

The big fund companies want them because they are a cheap way to gather assets from small business 401k plans.

Issuance by financial institutions eased in the September quarter, reflecting larger - than - initially planned issuance during the first half of 2003 (because of oversubscriptions) and increased issuance of hybrid and asset - backed securities.

Because employer - sponsored retirement plans like 401 (k) s are directly managed by an investment trustee, you can not put the assets under the control of the robo advisor.

A vital component of succession planning is inheritance tax planning, because the differences in inheritance tax rates between jurisdictions can have a very negative impact on the proportion of assets that a family business can pass on to the next generation.

«The premise of this plan is let's use it because it's one of the biggest assets we can bring to upstate New York.

Cuomo's hand - picked MTA chairman Joe Lhota gave a quick history lesson of the history of the authority, explaining that the city owns the assets of MTA sub-agency New York City Transit and the state only stepped in to fund the first capital plan in 1981 because the city's finances were a mess and the subways were a disaster.

The District is responsible for funding the plans, and if plan assets decrease (e.g. because of a year of negative returns on assets invested in the stock market), the District must make up the loss, generally smoothed over several years.

You might want to consider what happens to your 401k assets after you die because you can make decisions now that affect how the plan assets are distributed after you pass and how your beneficiaries will be taxed on the amounts they receive.

«In fact, there may be diseconomies of scale for larger public pension plans because of the complexity of implementing their investment strategies, which include contracting out for external experts — a practice that has become increasingly popular, with plans investing more in non-traditional assets such as real estate, infrastructure, and private equity,» said the report.

There is flexibility in this type of planning because if there is no tax reason to use credit shelter planning, the spouse can simply receive all or a portion of the assets outright.

I think they especially make sense if your budget is really tight — a fixed maintenance cost can be an asset to some people because they can plan around it.

But, because 529 savings plan assets are considered parental assets, they are factored into federal financial aid formulas at a maximum rate of about 5.6 %.

Additionally, you may want to consider maintaining at least a minimal qualified retirement plan account balance because, in the event you want to transfer or rollover qualified assets to your qualified retirement plan account in the future, to the extent it is allowed by your plan, your plan may require you to have an open account with a balance when your request is received by that plan.

This question is important because you can not implement an asset allocation plan without first knowing the underlying asset allocation of the funds you're using.

* Individuals put off estate planning because they think they don't have enough assets.

A stand alone special needs trust can also be advantageous if the trustmaker has a large estate requiring federal estate tax planning because assets can be «gifted» to the special needs trust in the same manner as often used for an irrevocable life insurance trust.

If you're considering long term care insurance, check out your state's partnership program and reciprocity rules because this can be an important part of your asset protection plan.

In your case, because of the merger / acquisition, there may be legal questions as to whether one employment was terminated and another begun (and so you can roll over the funds in the old 401k into an IRA) or whether the terms of the merger / acquisition are such that the assets of the old 401k plan get rolled over into the existing 401k plan of the new employer.

Beyond that, any plan that creates a good company / bad company should be doomed, because it essentially becomes government sponsored fraudulent conveyance, where valuable assets that the bondholders were relying on disappear.

Because annuity plans are a secured cash asset, there are essentially many ways that you can sell your annuity plans.

A charitable lead trust (CLT) designates a rate of return or income to be paid to the charity over a specified time period and is more commonly used for estate tax planning because the balance of the estate assets will pass to beneficiaries free of estate taxes upon expiration of that time period.

Another aspect of spousal planning is federal estate tax planning; however, its separated here because a living trust can also be a kind of «conductor» for assets as needed to minimize estate taxes for unmarried people.

This is important because long term care insurance planning is a critical part of asset protection and wealth preservation.

According to the complaint, TIAA has been able to extract «grossly excessive fees» because its fees are tethered not to any actual services it provides to the plan, but rather, to a percentage of assets in the plan.

You want to use it for estate planning purposes because you're set to owe federal or state estate taxes on your assets

In 2015, Natixis Global Asset Management released a study that showed 34 percent of American workers do not contribute to retirement plans because they have too much personal debt, with 23 percent of that debt made up of student loans.

«Because our investment management groups work independently and adhere to different investment approaches, Franklin, Templeton and Mutual Series funds typically have distinct portfolios and can be used to build truly diversified allocation plans covering every major asset class.»

We've been following DRAD (see our post archive here) because it is an undervalued asset play with a plan to sell assets and buy back its stock.

We started following DRAD (see our post archive here) because it was an undervalued asset play with a plan to sell assets and buy back its stock.

He is looking at investing in a life insurance product because he wants a plan that will not only help him build his assets but will also help in providing protection to his wife and in time his family, in case something unfortunate were to happen to him.

But because a variable annuity's investment options are a primary driver of potential growth and future income, understanding the characteristics of different asset classes and assembling a well - diversified portfolio can help strengthen a retirement plan.

Age - based investment options are often a popular choice among families saving for college with a 529 plan because they reallocate a percentage of assets out of equity - based funds (which have more stocks) into more conservative, income - seeking funds (such as bond and money market funds) over time.

This is important, because in planning for retirement in the future, it is not clear whether asset returns in the twenty - first century United States will continue to be as great as in the twentieth century, or whether savers and retirees should plan for something closer to the average international experience.

The HERA grouped qualified tuition programs (QTPs, also known as section 529 plans because they are covered in section 529 of the IRS tax code) and Coverdell education savings accounts in the new category of qualified education benefits, which all have the same treatment: these savings vehicles are an asset of the owner (not the beneficiary because the owner can change the beneficiary at any time), but they are excluded as an asset when the owner is a dependent student.

I was somewhat skeptical about the health of their DB plans, partly because GM had contributed a big slug of its own common stock as an asset in the past.

If you love lots of planning, this is beneficial for this job as well, because you will need to plan short but also investment programs on the long run to protect and expand financial assets for wealthy clients.

I suppose it doesn't necessarily make sense to adjust the asset allocation of the Mini Portfolio plan over time because it doesn't appear to have been designed as a model of your retirement plan.

In most cases, spousal beneficiaries are ideal, because they have several options that aren't available to other beneficiaries, including the marital deduction for the federal estate tax and the ability to transfer plan assets — in most cases — into a rollover IRA.

People that are judgment proof may not need to file bankruptcy because creditors can't touch their assets are from social security, pension plans, 401 (k) retirement savings, disability benefits, veterans benefits, alimony or support payments.

For example, several stakeholders stated that plan sponsors generally selected off - the - shelf TDFs because they are a conceptually simple, low - cost product that provides diversification and dynamic asset allocation throughout a participant's career.