401(k) & Retirement Services Newsletter April 2021

ML&R Wealth Management is a firm that understands that managing your assets is about more than money. It is about empowering your future. At ML&R Wealth Management, we focus on you. In this quarter's newsletter, we are featuring an article reviewing the testing needed for retirement plans. We have also included additional articles written by members of our team. Finally, we have several timely and relevant articles from around the web we thought might be helpful to you.

Articles by ML&R Wealth Management FEATURED POST: Retirement Plans Testing by Julie Reinhardt, Retirement Associate What are the common tests that your retirement may be subject to? Retirement plans allow participants and plan sponsors to save funds for retirement in a tax-deferred method. If you are delaying paying taxes, there are of course many rules that you must follow to keep your plan’s tax-qualified status. Read More... Women's Guide to Investing, by Carli Smith, CFP®, Wealth Management Advisor Reflections on Financial Lessons After One Year of COVID, by Kira Scott Wealth Management Associate Stimulus Payments & Your 2020 Tax Return by Stephany Quirico, Wealth Management Associate Helpful COVID-19 Resources from our Parent Company, Maxwell Locke & Ritter

Helpful Articles from Around the Web Companies now have a new tax incentive to pay off workers’ student loans --- A provision from the CARES Act that didn't expire yet may help your employees...Read More PwC finds employees aren’t eager to return to the office post-COVID --- The remote work model has been an overall success, according to the most recent PwC survey....Read More Cybersecurity: A Plan Sponsor Obligation --- Security of data should be as important as selecting funds and other operational issues....Read More Avoid the most common 401k compliance error with these eligible compensation best practices --- Eligible compensation errors are so common that they show up in the IRS 401k Plan Fix-It Guide—and fixing mistakes can be costly. Don’t let a benefits plan violation happen to you!..Read More “You’re Gonna Miss Me When I’m Gone:” Missing Participants – Employer Retirement Plan Responsibilities | Fiduciary Focus Series --- The DOL gives steps to target both current and future issues with missing participants....Read More

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Our Retirement Team:

Vanessa McElwrath Email | (512) 275-2716 Fred Frey Email | (512) 370-3251 Steve Harvey Email | (512) 370-3236 Stuart Vick Smith Email | (512) 370-3229

Pam Raffaele Email | (512) 370-3259 Julie Reinhardt Email | (512) 370-3268 Kimberly Matus Email | (512) 275-2744 Meet the Rest of Our Team

About Our Corporate Retirement & 401(k) Plan Services:

Our retirement plan services include specialized consulting and advisory services for tax‐qualified retirement plans, including 401(k), profit sharing, pension and cash balance plans. We design and manage tailored retirement plans that benefit business owners and their employees by an investment philosophy based on a long-term outlook and full transparency in pricing with no hidden fees.   We offer a better, next generation 401(k) plan for you and your employees, focused on giving you: Employees financially ready for retirement Confidence you have the support to manage regulatory compliance of your plan High quality investments managed professionally Transparency and benchmarking of the fees and value you receive Excellent service so you can focus on what you do best Click here to learn more.

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