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Navigating the New Rollover Reality
Course Description
Rollover rules are constantly changing in light of DOL and SEC guidance. Through this course, you will learn the steps to uncovering plan distribution options; be able to recognize four common rollover scenarios; and implement a systematic process for repeating compliant rollovers that benefit your clients and limit liability for advisors and their firms. At the completion of this course, you will be educated and equipped to confidently instruct and advise plan participants as the "go to" advisor for that organization's benefit offerings; and roll over assets where and when appropriate in a compliant manner.
Learning Objectives
Understand the changing rollover reality
Know the steps to discover plan distribution options
Recognize four common rollover scenarios
Adapt a process for implementing and repeating compliant rollovers
Course Outline
Course overview
What is the new rollover reality?
Key considerations of a rollover
Understanding a plan’s unique options
In-service distributions—access to plan assets while working
Non-Roth after-tax accounts
Special tax rules for NUA in employer securities
Defined benefit plan lump sum payouts
Summary and next steps
Learning Objectives
Understand the changing rollover reality
Know the steps to discover plan distribution options
Recognize four common rollover scenarios
Adapt a process for implementing and repeating compliant rollovers
What is the new rollover reality?
The Great Rollover Reset: Recap of DOL, SEC and FINRArules
DOL Final PTE 2020-02: Improving Investment Advice forWorkers & Retirees Effective 02/16/2021
Practical and Tactical ActionsDOL Final Fiduciary Advice Rules
SEC finalized Regulation “Best Interest”
SEC finalized Regulation “Best Interest” Practical and TacticalActions
Form CRS Relationship Summary
SEC Reg. BI and Rollovers
Form CRS Relationship Summary
SEC Reg. BI and Rollovers
FINRA Notice 13-45: Conducting compliant rollovers
Understanding a Plan’s Unique Rollover Options
A rollover starts with a plan distribution
Read the fine print in plan document
In-Service Distributions—Accessing Plan Assets while Working
In-service distribution “triggers” depend on plan type andemployer design elections
Who may be eligible?
Distributions NOT ELIGIBLE for rollover
VI. 401(k) After-Tax Accounts
Who may be eligible?
Maximizing Contributions to 401(k) Plans
Maximizing Gracie’s 401(k) Contributions
Distribution rules of 401(k) after-tax accounts
Do you have an after-tax account in your 401(k) plan?
Special Tax Rules for NUA in Employer Securities
Who may be a candidate for NUA special tax treatment?
NUA in employer stock
Loss in value of employer stock
Next steps
Defined Benefit (DB) Plan Lump Sum Payouts
Who may be eligible for a DB plan distribution?
Comparing DB plan distribution options
Next steps
Summary and Conclusion
CE Credit Information
CFP Credit* - 3.0 hours
Cost
$159 or choose the Bundle and add "Compliance for Rollover Fiduciaries" for $298
*$20 fee for CE Credit add-on
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Contact DALBAR
2 Mount Royal Ave, Suite 250
Marlborough, MA 01752
Phone: 617-723-6400
Email: info@Dalbar.com
Contact Retirement Learning Center
206 North 7th Street
Brainerd, MN 56401
Phone: 877-275-7521
Fax: 320.323.3709
Email: info@retirementlc.com