The 403(B)/457 Plan Requirements Handbook

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The IRS has recently enacted wholesale revisions to the way 403(b) plans need to be administered. Without a doubt, the drastic changes recently imposed by the IRS have created an enormous burden for people in your position — including plan documentation and design ... determining ERISA status ... clarifying fiduciary responsibilities ... collecting employee data ... and more.

This is why Thompson’s created the brand new publication The 403(b)/457 Plan Requirements Handbook. The Handbook answers your specific questions in clear, straightforward language and explains confusing language in IRS regulations and guidance—and related rules from the DOL and other agencies.

The 403(b)/457 Plan Requirements Handbook is the most comprehensive and easy-to-use resource of its kind. It was created to help you achieve and maintain compliance effectively. With the Handbook:

• You will understand the 403(b)/457 plan rules. Unlike other reference guides, the Handbook does not just define the regulations and guidelines. It also clearly explains how they apply to your specific situation with experience-based "things to consider."
• You will be able to answer any question and take immediate action with all the forms, charts, sample notices, and checklists provided with your manual.
• You will be ahead of the game – your subscription includes quarterly updates of new analysis, practice tools and newsletters to keep you current on critical developments and trends.
• You will be able to take a coordinated approach to diverse regulatory guidelines — When it comes to designing a plan, selecting products and vendors, and administering your plan, you need to consider requirements from several federal agencies, including the IRS, DOL, SEC, as well as state laws and state insurance department interpretations. Now it’s easy with the Handbook’s coordinated approach.
• You will save time and money by having one comprehensive resource filled with the most authoritative guidance – no need to spend countless hours searching for answers from unreliable sources.

• One-volume print manual
• 4 newsletters
• 4 updates

About Your Subscription

You can review this product for 30 days. Your annual subscription includes published updates at no additional charge for the 12 month subscription period. 4 updates are expected. If you cancel your subscription within 30 days of receipt, you will receive a full credit upon return of the product together with a request for cancellation.

Bob Toth has more than 25 years of experience in employee benefits law, whose practice focuses on the design, administration and distribution of financial products and services for retirement plans, one which combines elements of ERISA, tax law, insurance law, securities law and investment law for defined contribution plans.

Experience includes implementing 403(b) programs under new regulations; designing investment products for retirement plans; annuitization programs for defined contribution plans; resolving prohibited transactions issues related to retirement plan products, services and their distributions; and define and implement standards for fiduciary and advisory practices.

Formerly a partner at Baker and Daniels; Associate General Counsel managing the legal affairs for Lincoln Financial Group Employer Market Division; and Senior Attorney for employee benefits at Kellogg Company in Battle Creek, Michigan.

A Fellow of American College of Employee Benefits Council; Adjunct Professor at John Marshall School of Law's Employee Benefits LLM Program, teaching the course “Non-Traditional Retirement Plans” with a focus on 403(b) and 457 plans; and on the faculty of ALI-ABA's Advance Law Of Pensions. Bob has written several leading articles on using annuities in defined contribution plans and Co-authored Thompson Publishing's “The 403(b) and 457 Handbook”.

Graduate of Wayne State University Law School and the University of Michigan.

Industry memberships and activities include the American Society of Pension Professionals and Actuaries (ASPPA), Chair, Tax Exempt and Government Plans Government Affairs Committee; Board Member, ABC of Northern Indiana; Great Lakes Benefits Conference Executive Committee; Employer Plans Program Chair, IRS Great Lakes TE/GE Council; Advisory Council, John Marshall Law School Employee Benefits Law Program; Co-founder, Institute for Pension Plan Mgt, Purdue University; Advisory Board, American Benefits Council; Past Chair, American Council of Life Insurance's Pension Committee; American Bar, Indiana and Michigan Bar Associations.

Conni Toth, co-founder and managing consultant for Applied Pension Professionals, LLC, brings more than 25 years of experience in retirement planning to the financial services industry. Conni applies her experience toward assisting fiduciaries with finding solutions for plan design, compliant processes and documentation for retirement plans.

Prior to her current role, she was the head of Internal Account Management for Lincoln Financial Group in Fort Wayne, IN. During her 23 years at Lincoln Financial Group, positions held include Regional Vice President of Key Accounts, Second Vice President of New Business and Plan Administration, management and administrative roles in customer service supporting registered and non-registered annuity and mutual fund products. Prior to Lincoln, she spent 8 years in customer service and commercial lending with banks located in Fort Wayne and Indianapolis, IN.

Conni holds FINRA series 6, 7, 24, and 26 registrations. Industry memberships and activities include the American Society of Pension and Professional Actuaries (ASPPA) since 1993 maintaining designations as a qualified plan administrator (QPA) and qualified 401(k) plan administrator (QKA); the IRS Great Lakes TE/GE Council; graduate class presenter for the John Marshall School of Law's Employee Benefits LLM Program; the ASPPA Technical Committee; and Co-authored Thompson Publishing's “The 403(b) and 457 Handbook”.

Attending Indiana University and University of Indianapolis, she focused on her BS of Business Administration while furthering her education at Indiana Wesleyan University in Fort Wayne, IN.

Conni is a native of Monrovia, CA relocated to Fort Wayne in 1982. She and her husband, Bob, enjoy life, travel, their children, and their grandchildren.