Business Insights

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Get to Know

SAGAR M. DALAL
DALAL Capital Advisors
AALU Member Since 2014


In 2014, Sagar joined his father, Mayur, in the family business. 

Sagar assists in all facets of the business, including wealth management, life insurance, estate, charitable and tax mitigation  planning.

He has joined AALU’s TRANSFORM 2019 Program & Experience Committee. He will be volunteering to create a comprehensive and insightful experience.

Get to Know

CHET SCHWARTZ
Strategies for Wealth
AALU Member Since 2008


Chet is a Registered Representative and Financial Advisor of Park Avenue Securities and a Financial Representative of Guardian. Chet brings a “Protection First” philosophy to his discussions to help ensure that any client success already achieved is insulated from outside economic influences that could potentially result in myriad kinds of wealth diminishment. 

Chet is also a member of the AALU Board and Co-Chairs the Member Services Committee. His ability to bring a diverse perspective to the Association’s strategy is essential as AALU continues to broaden its vision and grow the membership.

Business Insights Updates

IRS Issues Proposed Regulations on Relaxed Rules for 401(k) Hardship Distributions

Topics: 401(k), Qualified Plans

The 2018 Budget Act changes to the hardship distributions rules will make it easier for participants to take these distributions. The changes, as described in the Proposed Regulations, include (1) expanding the contributions and earnings that are eligible to be received in a hardship distribution (including post-1988 earnings on 401(k) deferrals), (2) expanding the permitted…

“Top Hat” Plans — What are They and How Do You Know If You Have One

Topics: ERISA, NQDC

Nonqualified deferred compensation plans (NQDC), such as 401(k) restoration plans, other elective deferral plans, and supplemental retirement plans (SERPs), must limit their eligibility to a “top hat” group to avoid significant problems under ERISA and the Internal Revenue Code (IRC). ERISA defines this group as a “select group of management or highly compensated employees.” Department…