Retirement Plan Concepts & Services Inc (RPCSI)

Cycle 4 brings important document updates to keep 401(k) and other retirement plans aligned with current laws and IRS requirements. Learn what to review, which deadlines to keep in mind, and how to prepare for upcoming changes. Visit rpcsi.com/ to learn more!

Happy Halloween from RPCSI! Retirement plan deadlines can be tricky, but we're here to help make things a little less scary! 👻 Wishing everyone a fun, safe Halloween filled with plenty of treats. #HappyHalloween

With Cycle 4 underway, plan sponsors should know two key deadlines: - December 31, 2026, for certain SECURE 2.0 amendments - September 30, 2028, for Cycle 4 restatement adoption Know which requirements apply to your plan: rpcsi.com/post/your-essentia…

Cycle 4 restatements are here! We’ve outlined the key requirements, important dates, and steps to help you prepare for the updated plan document. Learn more about the Cycle 4 restatement: rpcsi.com/post/your-essentia… #PlanSponsors #401kCompliance

Helping small business clients set up a retirement plan? Federal tax credits like the Startup Cost Credit, Employer Contribution Credit, and Auto-Enrollment Credit can save them thousands. Learn More: rpcsi.com/news-you-can-use-o… #TaxCredits #RetirementPlanning

Cycle 4 is here. Is your retirement plan ready? The Cycle 4 restatement process is underway, and there are important steps for plan sponsors to understand. Read our guide to learn what you need to know and how to prepare. rpcsi.com/post/your-essentia… #RetirementPlans #PlanSponsors

You work hard every day, so take this Labor Day as a reminder to slow down, recharge, and enjoy a well-deserved break. As you work to support your employees and their financial futures, remember that your own well-being deserves attention, too. #HappyLaborDay

This month’s News You Can Use: Learn what CPAs need to know about after-tax contributions and the Mega Backdoor Roth strategy. Learn More: rpcsi.com/news-you-can-use-a… #RetirementPlanning

This month's News You Can Use covers what CPAs need to know about cash balance plans, including key deductions and funding considerations. Read the full article here: rpcsi.com/news-you-can-use-j… #RetirementPlanning #CashBalancePlans

From all of us at RPCSI, happy Fourth of July! Wishing you a safe, joy-filled Independence Day as we celebrate 250 years and look ahead to what’s next. #America250 #FourthOfJuly

SECURE 2.0 is updating catch-up contribution rules, including a “super catch-up” opportunity for employees ages 60–63 that’s already in effect. And in 2026, certain high earners will be required to make catch-up contributions on a Roth (after-tax) basis.

Those extra contributions can make a real difference because they have more time to grow through compounding, even if you’re within 10–15 years of retirement. Catch-ups can also provide the same tax advantages as regular 401(k) contributions.

If you’re working toward retirement and want to build momentum, catch-up contributions can be a great option. They allow eligible savers age 50 and older to contribute beyond the standard annual limit in workplace retirement plans. Learn more: rpcsi.com/

Retirement plans have annual contribution limits, but if you’re age 50+, the IRS allows catch-up contributions. It’s a smart option for anyone who started saving later, took a career break, or wants to maximize savings before retirement. rpcsi.com/post/catch-up-cont…

Today we pause to remember and honor the men and women who gave their lives in service to our country. We’re grateful for their sacrifice, and we hold their families in our thoughts. #MemorialDay #InRemembrance

Did you know W-2 wages directly impact how much S-corporation owners can contribute to retirement plans? This month’s News You Can Use explains why compensation matters and how it affects retirement savings. Stay informed with practical insights from RPCSI rpcsi.com/news-you-can-use-m…

Turning 50 or older? Catch-up contributions may let you add more to your workplace retirement plan, an easy way to boost savings and make the most of the years ahead. Learn More Here: rpcsi.com/post/catch-up-cont… #retirementplanning

Annual compliance includes three core reviews: nondiscrimination testing, top-heavy testing, and contribution limit monitoring. Togther these checks help validate fairness, uncover payroll or census data issues, and allow time to correct problems before key deadlines.

Passing one compliance check doesn’t guarantee you’ve stayed within IRS annual contribution limits. Bonuses, payroll changes, and late uploads can quickly push your plan over the line and create headaches at year-end. RPCSI’s proactive monitoring will keep your plan on track.

Top-heavy testing prevents your 401(k) plan from being overly concentrated among key employees or owners, which can trigger costly mandatory contributions for other employees. Accurate data and regular reviews with RPCSI help you spot risks early and keep your plan compliant.