Retirement Plan Concepts & Services Inc (RPCSI)

Retirement Plan Concepts & Services, Inc. (RPCSI) is an CEFEX-Certified Retirement Plan Consultant Firm.

[Retirement Plan Concepts & Services Inc (RPCSI) @RPCSI]

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.

[Retirement Plan Concepts & Services Inc (RPCSI) @RPCSI]

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.

[Retirement Plan Concepts & Services Inc (RPCSI) @RPCSI]

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: https://t.co/Pa4IpkhK4V

[Retirement Plan Concepts & Services Inc (RPCSI) @RPCSI]

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. https://t.co/PJ3rCUhM48

[Retirement Plan Concepts & Services Inc (RPCSI) @RPCSI]

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

[Retirement Plan Concepts & Services Inc (RPCSI) @RPCSI]

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 https://t.co/ibpL2YE4ec

[Retirement Plan Concepts & Services Inc (RPCSI) @RPCSI]

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: https://t.co/PJ3rCUijTG

#retirementplanning

[Retirement Plan Concepts & Services Inc (RPCSI) @RPCSI]

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.

[Retirement Plan Concepts & Services Inc (RPCSI) @RPCSI]

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.

[Retirement Plan Concepts & Services Inc (RPCSI) @RPCSI]

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.

[Retirement Plan Concepts & Services Inc (RPCSI) @RPCSI]

Aprils News You Can Use breaks down 401(k) contribution limits, catch-up strategies for those 60+, and how owners of small businesses can reap bigger retirement plan tax deductions.
Learn why safe harbor 401(k)s and cash balance plans stand out this year!
https://t.co/ZjjePBPDrA

[Retirement Plan Concepts & Services Inc (RPCSI) @RPCSI]

401(k) compliance testing matters because it ensures that your plan benefits everyone fairly, not just owners and executives. Nondiscrimination testing checks if highly compensated employees are getting more advantages than non-HCEs, and if so, requires quick corrections.

[Retirement Plan Concepts & Services Inc (RPCSI) @RPCSI]

Year-end 401(k) surprises are usually preventable. Annual compliance testing can flag low participation, misclassified employees, and payroll/census issues early—before corrections get expensive. Proactive check-ins = smoother testing.

Read more: https://t.co/dlKz3szap7

[Retirement Plan Concepts & Services Inc (RPCSI) @RPCSI]

Managing your company’s retirement plan doesn’t have to be stressful.

RPCSI’s expert consultants handle plan design, compliance, administration, and employee communications, so you can focus on your business.

Learn More Here: https://t.co/Pa4IpkhK4V

[Retirement Plan Concepts & Services Inc (RPCSI) @RPCSI]

Want clients to save up to $335k for retirement in 2026, slashing taxable income? Pair a 401(k) with a cash balance plan. Perfect for high-earning business owners & those nearing retirement.

Learn more from RPCSI with news you can use: https://t.co/cjias79ub7

#CPA

[Retirement Plan Concepts & Services Inc (RPCSI) @RPCSI]

The SECURE Act 2.0 is bringing major updates to 401(k) plans. This video covers a new age for required minimum distributions, increased catch-up contribution limits for employees aged 60-63, expanded eligibility for part-time workers, and enhanced automatic enrollment features.

[Retirement Plan Concepts & Services Inc (RPCSI) @RPCSI]

Just one missed ownership detail can put your company’s retirement plan at risk. At RPCSI, our consultants make it simple: we help you gather and disclose all ownership data at the plan level, so you’re always in control.

Stay ahead: https://t.co/XxnwpjuUUE

[Retirement Plan Concepts & Services Inc (RPCSI) @RPCSI]

Incomplete ownership data in your companies or investments is a leading cause of delays, surprises, and valuation issues during transitions. Full disclosure across all businesses and investments ensures your succession plan proceeds smoothly, and your legacy remains intact.

[Retirement Plan Concepts & Services Inc (RPCSI) @RPCSI]

Missing ownership details for entities tied to your retirement plan can lead to IRS penalties, delayed deals, and tax risk. Fully disclosing all ownership information protects your organization, ensures compliance, and keeps your plan on track.
Learn More: https://t.co/Xxnwpjun56

[Retirement Plan Concepts & Services Inc (RPCSI) @RPCSI]

There are major changes for 401(k) plans in 2026 with the SECURE 2.0 Act. These updates will impact how plans are designed, managed, and the benefits available to participants. It’s essential to stay ahead of these changes to ensure compliance.

Read On: https://t.co/GcdHLpQN4R