Adoption Agreements That Work in the Real World: 9 Choices That Make or Break Your Plan
Your written plan controls everything. These nine adoption-agreement choices determine whether your 401(k) or Profit Sharing plan runs smoothly—or needs re-papering the first time operations meet testing.
SECURE & SECURE 2.0 Amendment Playbook: What to Change, What to Check, What to Keep
Amend once, implement cleanly. If you want a SECURE/2.0 amendment package.
Combo Plans Done Right: Documenting Cash Balance + 401(k) for Clean Testing
Cash Balance + 401(k) combos can deliver low- to mid-six-figure owner targets—but only if the written plan and operations are aligned. Here’s how we document so testing passes in practice, not just on paper.
Restatement vs. Amendment: What’s the Difference and When to Use Each
A full replacement of the existing plan document using the latest pre-approved language. Required on IRS cycles and helpful when many prior amendments or a major redesign make the old document hard to follow.
Use a restatement when:
• You’re on a required IRS restatement cycle.
• Multiple amendments have accumulated; you want a clean base.
• You’re making major design changes (e.g., adding a Cash Balance plan).