Steve Johnian

Steve Johnian is a retirement sales consultant on the Retirement Consulting Services team at Commonwealth Financial Network®, member FINRA/SIPC, the nation's largest privately held Registered Investment Adviser–independent broker/dealer. With the firm since 2013, Steve consults with affiliated advisors on business development, product options, sales strategies, competitive positioning, new client/prospect situations, and best practices related to building a successful retirement book of business. A former competitive boxer, he attended UMass Lowell and held positions in client services, quality control, annuity services, and specialty services at Putnam Investments.

Information about securities-registered professionals may be found at FINRA BROKERCHECK.

Recent Posts

Managing SIMPLE IRA Plans: 5 Things You Need to Know

Closing the Gap: Retirement Savings Strategies Across Generations

What's "New"? The Single Distribution Rule on Qualified Plan Rollovers

Managing SIMPLE IRA Plans: 5 Things You Need to Know

Posted by Steve Johnian

March 1, 2017 at 1:30 PM

As you know, the SIMPLE IRA can be a valuable retirement plan option for many of your small business owner clients, especially those with fewer than 100 employees. But managing SIMPLE IRA plans can be complex, as there are numerous deadlines and regulations to keep on top of—including everything from when a plan can be established to annual notice requirements.

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Topics: Retirement Consulting

Closing the Gap: Retirement Savings Strategies Across Generations

Posted by Steve Johnian

May 3, 2016 at 10:00 AM

Here’s the good news: According to the EBRI 2016 Retirement Confidence Survey, retirement confidence has increased. The bad news? Many are still waiting too long to start saving, and those who are saving aren’t saving enough, creating a sizable retirement savings gap. As a result, advisors find themselves in high demand as investors look for help in creating savings strategies that will close that gap and get them closer to a more comfortable retirement.

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Topics: Retirement Consulting

What's "New"? The Single Distribution Rule on Qualified Plan Rollovers

Posted by Steve Johnian

July 14, 2015 at 10:00 AM

In Notice 2014-54, the IRS provides new guidance on the allocation of pretax and after-tax amounts from qualified plan rollovers. Specifically, when qualified retirement plan participants make distributions to multiple accounts from plans containing both pretax and after-tax dollars, the amounts are now (as of January 1, 2015) treated as a single distribution. Therefore, participants can allocate a pretax and after-tax basis to separate accounts.

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Topics: Retirement Consulting

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