PEP Talk: Selecting the Best Pooled Employer Plan (PEP) 1 Credit 1 Credit
Pooled Employers Plans (PEPs) were born out
of Congressional efforts to make employer-sponsored retirement
plans available to more workers to help solve the retirement savings crisis.
The SECURE
Act, signed into law at the end of 2019, essentially created PEPs to
address/solve a pair of longstanding issues that kept Multiple Employer Plans
from achieving widespread adoption: the “one bad apple” rule and “common nexus”
requirement.
A PEP allows business owners and employers
to come together under one third party (the plan’s Pooled Plan Provider (PPP))
to offer a tax-advantaged retirement savings vehicle, all while delegating most
of the day-to-day plan maintenance and fiduciary liabilities to the PPP.
There are approximately 50 PPPs from which
to choose so it’s complicated, but the most important differentiator narrows the
search considerably. The best PEP has the safest Qualified Default Investment
Alternative (QDIA). A safe QDIA is not the most popular because the most
popular QDIAs are risky.
A PEP with a safe QDIA is an asset. A PEP
with a risky QDIA could become a liability.
Major topics highlighted in this CPE
course:
Click to access CE Courses on Trust,
Estate, and Financial Planning
| License details | Credits | Status |
|---|---|---|
| Finance for Certified Public Accountants (CPA-US) | 1 CPE | Approved |
| Certified Management Accountants (CMA) | 1 CPE | Eligible |
| Fundamental Financial Planning Concepts for Personal Financial Specialist (PFS) | 1 CPD | Eligible |
| Chartered Financial Analyst (CFA) | 1 PL | Eligible |
| Certified Wealth Strategist (CWS) | 1 CE | Eligible |
| Certified Fiduciary and Investment Risk Specialist (CFIRS) | 1 CE | Eligible |
| Certified Senior Advisor (CSA) | 1 CE | Eligible |
| License details | Credits | Status |
|---|---|---|
| Finance for Certified Public Accountants (CPA-US) | 1 CPE | Approved |
| Certified Management Accountants (CMA) | 1 CPE | Eligible |
| Fundamental Financial Planning Concepts for Personal Financial Specialist (PFS) | 1 CPD | Eligible |
| Chartered Financial Analyst (CFA) | 1 PL | Eligible |
| Certified Wealth Strategist (CWS) | 1 CE | Eligible |
| Certified Fiduciary and Investment Risk Specialist (CFIRS) | 1 CE | Eligible |
| Certified Senior Advisor (CSA) | 1 CE | Eligible |
Credit
1
Course Level
Basic
Instructional Method
QAS Self Study
Group Internet Based
Pre-requisites
None
Advance Preparation
None
MY-CPE LLC, 1600 Highway 6 south, suite 250, sugar land, TX, 77478
MY-CPE LLC (Sponsor Id#: 143597) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors.
Ronald J. Surz is president of PPCA Inc. and its division, Target Date Solutions. He is a pension consulting veteran, having started with A.G. Becker in the 1970's. Ron earned an MBA in Finance at the University of Chicago and an MS in Applied Mathematics at the University of Illinois.
He has published regularly in such publications as The Journal of Wealth Management, The Journal of Investing, Journal of Portfolio Management, Pensions & Investments, Senior Consultant, HorsesMouth and the IMCA® Monitor, as well as contributed to and edited several books. Ron's most recent book is Fiduciary Handbook for Understanding and Selecting Target Date Funds: It's All About the Beneficiaries. Ron has served as a member of the following boards and councils:
Robb Smith is President of RS Fiduciary Solutions (RSFS), an independent ERISA consulting firm. Mr. Smith has over 30 years’ experience in the financial services and qualified retirement plan industries.
In 2021, RSFS created PEP-RFP.com to assist adopting employers and plan advisors in choosing the ‘best’ Pooled Employer Plan (PEP) option for their participants.
RSFS offers plan sponsors, RIA firms and plan advisors a variety of services including full and limited scope plan fiduciary audits, fiduciary training and certification classes and other industry related tools and resources, as well as fiduciary consulting services.
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How are credits reported to governing bodies?
We issue instant credit certificates, ensuring they are valid for presentation to governing bodies. Typically, we report IRS, CTEC, CFP, IDFP, IWI, VBOA Ethics credits within 7 days – the fastest in the industry.
-1687862709.webp "Healthcare in Retirement - Retirement University Workshop 1")
May 12, 10:00 AM ET
May 12, 10:00 AM ET
May 12, 11:30 AM ET
May 12, 12:00 PM ET
May 13, 09:00 AM ET
May 13, 09:30 AM ET
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