Category Archives: Retirement Plans

Recognizing That All “Rates of Return” Are Not the Same

By Jeff Chang As a “baby-boomer” and one of the millions of my generation getting ready for retirement, I’ve naturally begun to focus more on the ups and downs of the stock market and all of the “advice” regarding how … Continue reading

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“Encouraging” the Repayment of Student Loan Debt

By Jeff Chang Many of the public agencies we work with have expressed a strong interest in programs and arrangements that will help or encourage their employees to pay off their student loan debts. These programs can be important recruiting, … Continue reading

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Why You Need to “Monitor” Full-time, Temporary Employees

By Jeff Chang Due to budget restrictions and general hiring freezes, many California public agencies are forced to fill workforce gaps with temporary employees from staffing agencies. This practice, while quite common, is not well-understood — particularly when it comes to … Continue reading

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Time for a Defined Contribution Plan Checkup?

By Jeff Chang Many public sector employers maintain various defined contributions plans (either 401(a) or 457(b)) in addition to their participation in a large, public-defined benefit system, such as CalPERS, CalSTRS or a ’37 Act county plan. There are a … Continue reading

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They’re Yours, They’re Mine or They’re on Their Own: More On Employee vs. Independent Contractor

By: Jeff Chang Previously, in Yours, Mine or Ours?, we examined the basics of “who” your  employees are for employee benefits purposes. We also discussed some of the adverse tax and business consequences that can befall employers who either don’t understand … Continue reading

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