Taking Money Out of Plans: The Legal and Practical Implications of Loans and Distributions

NTSA Webcast

Speakers: Ellie A. Lowder, TGPC, TSA Consulting and Training & Michael A. Webb, TGPC, AIF, CEBS, Vice President, Retirement, Cammack Retirement

**Complimentary recorded webcast for NTSA members open for registration 3/13/14**

A discussion of how important it is for advisors and plan sponsors to manage the loan and distribution processes, or face the legal or practical consequences.

Attendee Takeaways:  

• Gain a comprehensive understanding of the legal issues surrounding the design and utilization of loan and distribution provisions
• Learn the administrative and practical impacts of loan/distribution utilization, such as the negative impact on the ability of the plan to obtain favorable pricing from vendor(s)
• Acquire practical "tips and tricks" to minimize loan/distribution utilization

REGISTRATION

Important Webcast Changes
Please note attendees who purchase this recorded webcast will be able to pause the recording, but cannot skip back and forth while viewing the webcast. If attendees log out of the recording, they will not be able to log back in where the recording left off. This feature allows ASPPA to accurately determine and monitor completion of the modules by attendees, so attendees are no longer required to complete and pass a quiz to receive CE credit.

Registration Prices

Complimentary webcast for NTSAA members!

Recorded Webcast
(registration deadline: 03/12/14)

Registration for Recorded Webcast Includes:

• One viewing of the Webcast recording to play anytime before the one year expiration date
• Webcast outline and any additional presentation materials

Recordings are available one week after the live webcast takes place.

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CONTINUING EDUCATION INFORMATION

ASPPA Members

The webcast is designed to offer registrants 2 ASPPA CE credits.

Continuing Education Changes for RECORDED Webcast Attendees

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GENERAL INFORMATION

Cancellation Policy

All Webcasts are non-refundable. If you have registered for the live Webcast and are unable to attend, please email [email protected] and request to transfer your registration to the recorded version. This request must be made before the live Webcast takes place.

Disclaimer

The statements and materials presented on ASPPA webcasts are solely the opinions of the speakers and do not represent the opinion or the position of ASPPA. ASPPA assumes no responsibility for the content and materials presented by speakers during the webcast.

ABOUT THE SPEAKERS

Ellie Lowder, TGPC 

Eleanor (Ellie) Lowder has been involved in the 403(b) tax-sheltered account markets since 1961 and is regarded in the industry as an expert in this specialty market niche. For the past 13 years, she has been a highly sought-after independent consultant for the retirement plans of public education and 501(c)(3) employers. Prior to that, her career included personal production and a wide variety of marketing and sales management experience. She served as national sales director, qualified annuities for Transamerica Life & Annuity Company, and chief marketing officer for Delta Life & Annuity.

She is an advisor to the National Tax Sheltered Accounts-ASPPA Association, and responds to queries from NTSAA members. Additionally, she manages, edits and writes articles for the NTSAA-ASPPA Market Beat newsletter. She also assists the American Society of Pension Professionals & Actuaries with the development of comment letters to the IRS and Treasury on issues relevant to 403(b) & 457(b) plans, and additionally presents webcasts (generally with IRS staff members) for NTSAA-ASPPA.

Ellie is the author of Section 403(b) Compliance Guide For Public Education Employers published by The Rowman & Littlefield Publishing Group for the Association of School Business Officials International (ASBO) and co-author of The Source; 403(b) and 457(b) Plans, a unique and thorough treatment of the 403(b), 457(b) and related markets. The Source includes an in-depth compliance chapter to help employers correctly operate 403(b) plans. The book is used as the basic curriculum for the joint NTSAA/ASPPA designation program, Tax-Exempt & Governmental Plan Consultant (for 403(b) and 457(b) plans). The designation program replaces the former CRS and MCRS designations previously offered by the NTSA.

Ellie routinely conducts seminars and web casts for public school and 501(c)(3) employers about 403(b) and 457(b) plans, often with senior staff specialists in the Employee Plans Division of the Internal Revenue Service. She has also served on the ASBO Retirement Plan Council to help develop criteria, guidelines, and tools for ASBO members to use to comply with and maintain their 403(b) plans under the final 403(b) regulations.

Michael A. Webb, AIF®, CEBS, TGPC

Mike joined Cammack Retirement in 1991, where he has provided retirement plan consulting services spanning several tax-exempt industries for over 20 years.  His expertise covers healthcare organizations, colleges and universities, corporate, cultural institutions and social service organizations.

EXPERIENCE AND EDUCATION
Mike’s background is in operational compliance. He was primarily responsible for establishing retirement plan operating systems to comply with the latest federal regulations, through onsite support of human resources, information systems, and payroll departments of large employers.

Mike received a bachelor of science from Northwestern University, and a master of science in media administration from Syracuse University.

PROFESSIONAL DESIGNATIONS

• Registered Representative with the Financial Industry Regulatory Authority (FINRA)
• Awarded the Accredited Investment Fiduciary® designation from the Center for Fiduciary Studies
• Certified Employee Benefits Specialist (CEBS)
• Tax-Exempt & Governmental Plan Consultant (TGPC)

AFFILIATIONS

• Chair of the National Tax Deferred Savings Association’s (NTSA) Communications Committee
• Instructor for the CEBS program of the International Foundation of Employee Benefit Plans

PRESENTATIONS AND PUBLICATIONS

• Author of numerous articles, including features  in Higher Education Consortia magazine, The Profit Sharing/401(k) Council of America’s Defined Contribution Insights, Employee Benefit News, The NTSA’s 403(b) Advisor Featuring Market Beat,, Benefits and Compensation Digest and PlanSponsor magazine
• Co-moderator of PlanSponsor’s “Ask the Expert” column for 403(b) plans

QUESTIONS

Registration and General Questions
ASPPA Customer Support
703.516.9300
[email protected]

Please Note: All members of the media must register as such by contacting Ryan Shucard at [email protected], or by calling 703-516-9300 ex. 130.