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Corporate Benefits Consulting

Senate Health Bill 2.0: What You Need to Know

Senate Health Bill 2.0: What You Need to Know

Senate Health Bill 2.0: What You Need to Know Senate Republicans... Read More

Takeaways from Senate's "Better Care Reconciliation Act"

Takeaways from Senate's

Senate Republicans released their health reform overhaul yesterday after weeks of intrigue. IPS Advisors is extremely pleased to note that the legislation leaves the employer/employee "exclusion"... Read More

Pump Up Your Wellness Program with a Personal Training Initiative

Pump Up Your Wellness Program with a Personal Training Initiative

(post by guest writer Brian K. Weese, CSCS, RMT / Paramount Performance) As a fitness coach and personal trainer for nearly 20 years, I work closely with business professionals and c-suite executives... Read More

Marketplace Notices: What Employers Should Know

Soon the U.S. Department of Health and Human Services (HHS) will begin notifying employers about employees receiving advance premium tax credits (APTC) or subsidies for 2016 on the ACA federally facilitated... Read More

Rules Allow Limited Incentives in Connection With Wellness Programs

The U.S. Equal Employment Opportunity Commission (EEOC) has issued two separate sets of final rules that describe how Title I of the Americans with Disabilities Act (ADA) and Title II of the... Read More

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Insurance Planning Services

Understanding the Life Insurance Underwriting Process

Understanding the Life Insurance Underwriting Process

(post by Ken Smith, CLU, ChFC) Recently, at the onset of the underwriting process, a prospective client disclosed he had been declined for coverage 18 months prior through another firm. The agent... Read More

1035 Exchanges of Life Insurance Policies – How Easy Are They Really.

MARKET TREND:  Complex tax laws and the emergence of new, more sophisticated life... Read More

IRS Issues Revised Safe Harbor Notices for Recipients of Eligible Rollover Distributions.

  IRS Issues Revised Safe Harbor Notices for Recipients of Eligible Rollover... Read More

Insurer That Allowed Change of Beneficiary to Person with No Insurable Interest Is Sued for Negligence

  Insurer That Allowed Change of Beneficiary to Person with No Insurable Interest... Read More

W-2 Health Value Reporting Reminder

Based on the guidance from the IRS, the 250 requirement still applies for large/small employers. As such, if 250 W-2s were not reported for the 2013 year, then for 2014, no reporting... Read More

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Retirement Plan Consulting

Fiduciary Rule Update: A Plan Sponsor's Q&A

Fiduciary Rule Update: A Plan Sponsor's Q&A

On April 8, 2016, after years of proposed regulation issuance, comment periods, drafting and anticipation, the Department of Labor (DOL) finally published new final guidance regarding the definition... Read More

IPS Advisors June Retirement Report

DC Plan Sponsors Say Less Is More in Investment Lineups   401(k) plan sponsors are consolidating the number of DC investment manager relationships... Read More

Tammy Woodman Obtains Accredited Asset Management Specialist (AAMS®) Designation

Tammy Woodman Obtains Accredited Asset Management Specialist (AAMS®) Designation

IPS Advisors is pleased to announce Tammy Woodman, Defined Contribution Consultant, has earned the Accredited Asset Management Specialist (AAMS®) designation from The College for Financial... Read More

DOL Releases New Fiduciary Rule

DOL Releases New Fiduciary Rule

On Wednesday April 6, the Department of Labor (DOL) released the long-anticipated new Conflict of Interest Rule (aka “Fiduciary Rule”). Though the regulations maintain much of the substance... Read More

401(k) Contribution Limit Remains Unchanged at $18,000 for 2016

On October 21, 2015, the IRS released IR-2015-118 which announced cost-of-living adjustments affecting dollar limitations for pension plans and other retirement-related items for tax year 2016. In general,... Read More

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IPS Advisors Adds Recovery Support Resources to Expanding Consulting Platform

IPS Advisors Adds Recovery Support Resources to Expanding Consulting Platform

IPS Advisors, a leader in employee benefits consulting and life insurance planning, today announced the launch of a new concierge-level service, Recovery Support Resources, designed to help families... Read More

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JDRF Gala Raises $1.4 million to Cure Type 1 Diabetes

The Greater Dallas Chapter of JDRF hosted its 20th annual Dream Gala on April 9 at the Omni Dallas Hotel in downtown. IPS Advisors was proud to be among the sponsors again this year and extends a special... Read More

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2017 HSA Limits Announced

The Internal Revenue Service (IRS) recently announced the 2017 Health Savings Account (HSA) limits. While the contribution limit for individuals with self-only coverage increased from $3,350 to... Read More

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DOL Announces Final Overtime Rule

Last week, the Department of Labor (DOL) announced a final rule that raises the minimum salary threshold required to qualify for the Fair Labor Standards Act’s “white collar exemption”... Read More

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HHS Releases Sample Marketplace Employer Notice; Employer Appeal Request Form Also Available

The U.S. Department of Health and Human Services (HHS) has released a sample employer notice, to be used by the federally-facilitated and certain state-based Health Insurance Marketplaces, that... Read More

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PCORI Fees for Self-Insured Plans

Employers that sponsor certain self-insured health plans are responsible for fees under Health Care Reform to fund the Patient-Centered Outcomes Research Institute (PCORI). The fees... Read More

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IPS Advisors Packs 300 Box Lunches for Soldiers Angels

IPS Advisors Packs 300 Box Lunches for Soldiers Angels

IPS Advisors last week assembled 300 box lunches for Soldiers’ Angels, a nonprofit organization who provides aid and comfort to U.S. military, their families, and a growing veteran population. Employees... Read More

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IPS Advisors July Retirement Report

Q2'16 Market Review: Brexit Takes Center Stage   U.S. equity finished positive for the quarter, after another bout of market volatility... Read More

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“Post It or Pay” – Increased Penalty for Violating EEOC Posting Requirements

“Post It or Pay” – Increased Penalty for Violating EEOC Posting Requirements

Effective July 5, 2016, the maximum penalty for employers violating the notice-posting requirements under certain nondiscrimination laws enforced by the U.S. Equal Employment Opportunity Commission... Read More

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Top Ten Audit Issues for Retirement Plans

Top Ten Audit Issues for Retirement Plans

Following is a short list of common issues plan sponsors often face when undergoing an audit from the DOL or IRS. The good news is these issues can typically be avoided with the proper plan design and... Read More

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IPS Advisors August Retirement Report

Money Market Fund Reform: New Rules Fast Approaching     October 16, 2016, is just around the corner, when new Money Market... Read More

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5 Tips to Prepare Your Business for a Natural Disaster

5 Tips to Prepare Your Business for a Natural Disaster

Natural disasters such as floods or hurricanes can happen suddenly at any time. The loss of essential records, files, and other materials during a disaster is commonplace and cannot only add to your... Read More

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Your IRA: Beneficiary Strategies and Key Considerations

Your IRA: Beneficiary Strategies and Key Considerations

One of the key components of the Employee Retirement Income Act of 1974, Individual Retirement Accounts, or IRAs, were created as a means to help individuals save for retirement in a tax advantaged... Read More

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IRS Finalizes Regulations for Same-Sex Marriages

On September 2, 2016 the IRS issued final regulations reflecting the U.S. Supreme Court decisions on same-sex marriage and prior IRS guidance in Revenue Ruling 2013-17. The new regulations finalize... Read More

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Transitional Reinsurance Due November 15

Under the Affordable Care Act, group health plans must pay an annual fee to fund the Transitional Reinsurance Program ("Program"), designed to help stabilize premiums in the individual health... Read More

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IPS Advisors Announces Manager Promotions

IPS Advisors Announces Manager Promotions

IPS Advisors recently announced two team promotions within the firm’s Corporate Benefits Consulting practice area. Stacey Farrell is now Manager of Private Sector Marketing Operations. Stacey... Read More

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2017 Health FSA Limit Increases to $2600

On October 25, the Internal Revenue Service announced the tax year 2017 annual inflation adjustments for more than 50 tax provisions, including the tax rate schedules, and other tax changes. Revenue... Read More

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IRS Announces 2017 Pension Plan Limits

On October 27 the Internal Revenue Service released Notice 2016-62 which announced cost-of-living adjustments affecting dollar limitations for pension plans and other retirement-related items for tax... Read More

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5 Tips on Adopting and Enforcing a Time-Off Policy

5 Tips on Adopting and Enforcing a Time-Off Policy

Whether paid or unpaid, time-off is an important respite that allows employees to take vacations, attend to personal or family business, or simply rest and recharge. However, managers and employees... Read More

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IPS Advisors November Retirement Report

Advisor Insights: Understanding the Differences Between Index Funds and Underlying Indexes   Over the past few years, there has... Read More

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Client Alert: ACA Reporting Updates

IRS Extends Due Dates for Certain ACA Information-Reporting Requirements On November 18, the IRS released Notice 2016-70, which contains two important announcements with respect to the employer... Read More

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High Net Worth Planning During Potential Tax Reform

Following the recent election results, there have been many questions about potential Tax Reform, and how this will impact estate tax planning. Top financial, legal and tax advisors will all agree... Read More

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IPS Holiday Charity Collection Drive Runs Through December 8

IPS Holiday Charity Collection Drive Runs Through December 8

IPS Advisors team members, family and friends are invited to participate in our holiday charity drive to help veterans in need this season. Our “Warm Up A Vet” donation drive, benefitting... Read More

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Six Year End Reminders for Qualified Retirement Plans

The end of the year is a great time to look at your company’s qualified retirement plan and review plan operations, documents, bonding, and start pulling together a file for annual plan testing... Read More

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IPS Advisors December Retirement Report

Happy Holidays from IPS Advisors!   Since 1978, IPS Advisors has proudly offered multi-disciplined consulting services to... Read More

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Client Alert: New Disability Claims Procedures Requirements

DOL Adds Important Protections to Ensure Fairness, Transparency and Accuracy of Disability Claims Process The Employee Benefits Security Administration of the Department of... Read More

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10 Employee Retention Resolutions for the New Year

10 Employee Retention Resolutions for the New Year

With a new year upon us, your attention is likely focused on setting financial and productivity goals for your business. As you plan, make sure to take a look at one area you may have overlooked: employee... Read More

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DOL Publishes New FAQs on Fiduciary Rule

The Department of Labor’s recently adopted Conflict of Interest Rule protects retirement investors by requiring advisers to adhere to a fiduciary standard and give advice that is in the investor’s... Read More

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ACA Compliance Deadlines and Reminders

IRS Notice 2016-70 extended certain due dates for the 2016 Affordable Care Act information reporting requirements under code section 6055 and 6056. Please make note of the following dates: March... Read More

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IPS Advisors January Retirement Report

Fees, Funds and Fiduciaries: Cheaper is Not Always Better   The scrutiny of fees within retirement plans has reached... Read More

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Medicare Part D Online Disclosure Reminder

The Medicare Modernization Act requires employers that provide prescription drug coverage to Medicare-eligible individuals to complete the Online Disclosure Form to the U.S. Centers for Medicare... Read More

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IRS Revises Enforcement Policy on ACA Individual Mandate Compliance

The IRS has announced that it will not reject 2016 tax returns that do not provide information on whether the individual taxpayer and his family members had qualifying health coverage... Read More

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IPS Advisors March Retirement Report

Are Plan Sponsors and Participants Unprepared for "Low Return" Era?   According to BlackRock's 2017 DC Pulse Survey,... Read More

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Repeal & Replace: Details On The New House Bill Emerge

Repeal & Replace: Details On The New House Bill Emerge

House Republicans just released the latest version of the Affordable Care Act "repeal and replace" legislation. It does NOT include changes to the tax exclusion for employer provided plans! Cadillac... Read More

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How to Handle Employee Attendance During Bad Weather

How to Handle Employee Attendance During Bad Weather

When an employee misses work due to bad weather conditions, whether the employee is entitled to be paid for the absence may depend on the employee's exempt or non-exempt status. Under the federal... Read More

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Push to Repeal Health Law Fails

ACA is Law of Land (for now) as House Republicans turn attention to Tax Reform On Friday, March 24, House Republican leaders withdrew the American Health... Read More

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Fiduciary Rule Applicability Date Extended to June 9

The U.S. Department of Labor has announced a 60-day extension of the applicability dates of the fiduciary rule and related exemptions, including the Best Interest Contract Exemption. The announcement... Read More

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IPS Advisors April Retirement Report

  DOL Extends Fiduciary Rule Applicability Date to June 9, 2017   The U.S. Department of Labor has announced a 60-day extension... Read More

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U.S. House Narrowly Passes AHCA Bill

On May 4, 2017 the U.S. House of Representatives narrowly passed the American Health Care Act (AHCA) by a vote of 217 to 213. Every House Democrat and 20 House Republicans opposed the measure. The... Read More

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PCORI Fees for Self-Insured Plans due July 31

Employers that sponsor certain self-insured health plans are responsible for fees under the Affordable Care Act to fund the Patient-Centered Outcomes Research Institute (PCORI). The fees... Read More

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