Web Seminar Details

Current Seminars

1. Individual 401(k)
2. The IRA - Individual Retirement Account
3. IRA Distributions
4. The Coverdell Education Savings Account vs. 529 Plans
5. The Pension Protection Act
6. Understanding SEP & SIMPLE IRAs
7. Qualified Plans
8. The HSA and Rollovers
9. Required Minimum Distributions
10. Roth IRA
11. IRA Rollovers - the Stretch
12. Money Purchase Pension, Profit Sharing, & Individual 401(k) Plans
13. 403(b)(7) Arrangements
14. The Stretch and the Roth IRA
15. The Personal Trust
16. The Irrevocable Life Insurance Trust (ILIT)
17. Qualified Plan Distributions
18. SEPP - Substantially Equal Periodic Payments
19. Beneficiary/Death Distributions

1. Individual 401(k)

Seminar will discuss:

• Features of the Plan
• Benefits, eligibility, and loans
• Maximum salary deferrals
• Rollovers and taxation information
• Distributions and beneficiary issues
• Market available
• Establishing and operating the plan
• Effects of the Pension Protection Act

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2. The IRA

   Seminar will discuss:

   • Eligibility requirements for the traditional, Roth, SEP, and SIMPLE IRAs.
   • Plan limits, timing, and tax deductibility
   • Details about rollovers, distributions and the taxation of distributions
   • Contrasting the Traditional IRA and the Roth IRA
   • Marketing and prospecting suggestions
   • Help for the IRA from the Pension Protection Act

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3. IRA & Qualified Plan Distributions

Seminar will discuss:

• Understanding Qualified and Non-Qualified Distributions
• Correcting Excess Contributions
• Calculating Required Minimum Distributions
• Spreading Distributions Out - The Stretch IRA
• Handling Tax Issues

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4. The Coverdell Education Savings Account vs. 529 Plans

   Seminar will review:

   • Coverdell funds extended applications beyond colleges
   • Which plan offers more investment control
   • What each plan means to Financial Aid
   • The combination of plans
   • Updates and/or improvements after the Pension Protection Act
   • Which plan offers more investment control

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The Pension Protection Act

5. IRA & Qualified Plan Distributions

Seminar will discuss:

• A summary for the year 2008 of the PPA's effect on Defined Benefit funding rules, Defined Contribution rollovers, vesting, and automatic enrollment
• PPA touchpoints for sole-proprietors; partnerships, corporations, and Subchapter "S" corporations
• A review of the new hybrid DB(k) plan
• A timeline of other relevant changes

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6. Understanding SEP & SIMPLE IRAs

Seminar will update attendees on:

• Ways both plans have been affected by the Pension Protection Act of 2006
  (Savings Incentive Match Plan for Employees & Simplified Employee Pensions)
• Eligibility & Comparison of Benefits
• Updated Plan limits, timing, and tax deductibility
• Rollovers, distributions and the taxation of distributions
• Required Minimum Distribution regulation
• The mechanics of establishing and operating a Plan

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7. Qualified Plans

Seminar will update attendees with:

• Benefits, eligibility, distributions and tax issues
• Changes for sole-proprietors
• Information about partnerships, corporations, and Subchapter “S” corporations
• A review the Individual 401(k) plans for individuals, partners, and their spouses
• Effects from the Pension Protection Act of 2006

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8. The HSA and Rollovers

Seminar will provide:

• Information on nontaxable HSA funding distributions from IRAs
• Eligibility and plan limits in 2009
• Prospects & selling points
• The impact of rising costs on the growth of consumer directed plans
• Tax treatment & Timing

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9. Required Minimum Distributions

Seminar will discuss:

• Requirements and Timing
• Options for beneficiaries
• Calculations and Administrative assistance
• Using the Stretch
• The effects of the Pension Protection Act

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10. The Roth IRA

    Seminar will discuss:

    • Updates to the Roth in 2008
    • Cost-of-Living Adjustments for AGI
    • After-tax rollovers
    • 2008 The Pension Protection Act & the Roth
    • 2010 The Roth Improves

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11. IRA Rollovers - the Stretch

    Seminar will discuss:

    • The intention of the Stretch IRA - an estate plan
    • Steps needed to make it work
    • Beneficiary designations and options
    • Trust beneficiaries - are they eligible?
    • The effects of the Pension Protection Act & TIPRA

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12. Money Purchase Pension, Profit Sharing, & Individual 401(k) Plans

    Seminar will discuss:

    • What makes each one different
    • How each is suitable for different business needs
    • Eligibility restrictions and features for all plans
    • Which is the most flexible
    • Effects of the Pension Protection Act & recent updates

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13. 403(b)(7) Arrangements

    Seminar will discuss:

    • Faster vesting requirements
    • Inservice Distributions
    • Rollover changes
    • Protective educational opportunities
    • Latest and final regulations

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10. The Stretch & the Roth IRA

    Seminar will discuss:

• Beneficiary distributions and the IRA stretch
• How the Roth can be "stretched"
• Benefits of stretching the Roth
• The Stretch and the trust
• TIPRA and MAGI in 2010

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15. The Personal Trust

    Seminar will discuss:

• Trust terminology
• Transfer of ownership
• Asset handling
• Corporate trustees
• Goals and financial strategies
• Estate taxes and probate

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16. The (ILIT)

    Seminar will discuss:

• Estate planning tool
• Life Insurance policy - outside estate
• Preservation of assets
• Improved liquidity
• Funded and Unfunded

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Seminars are 50 minutes to an hour long, and allow time for a Q and A session. They are priced at $200 per connection. As a Principal Trust Company partner you may qualify for training credits - renewable in January of each year.

Use our online form to register or contact our Client Contact Center at 800.209.9010 or your designated representative to find out more.

*Upcoming seminars will be announced on a monthly basis.

These presentations are designed to provide accurate and authoritative information in regard to the subject matter covered. They are provided with the understanding that Principal Trust Company is not rendering legal, accounting, or tax advice.