--- title: Retirement Plan Talk | Douglas Warzinski, CFP®, CIMA® description: Doug works closely with business owners who offer retirement plans to their employees. He advises them though retirement plan design and investment decisions. He also works directly with plan participants; using an outcome-based approach to help them plan for and achieve a dignified retirement. --- [![primary-horizontal-white](https://blog.carnegieinvest.com/hs-fs/hubfs/primary-horizontal-white.png?width=299&height=100&name=primary-horizontal-white.png "primary-horizontal-white")](https://www.carnegieinvest.com/) ## Retirement Plan Talk ## Douglas Warzinski, CFP®, CIMA® ![Douglas Warzinski, CFP®, CIMA®](https://blog.carnegieinvest.com/hubfs/doug.jpg) Doug works closely with business owners who offer retirement plans to their employees. He advises them though retirement plan design and investment decisions. He also works directly with plan participants; using an outcome-based approach to help them plan for and achieve a dignified retirement. ### Recent Posts ## [Turning Compliance Challenges Into a Competitive Advantage](https://blog.carnegieinvest.com/en/retirement-plan-talk/competitive-advantage) Posted by [Douglas Warzinski, CFP®, CIMA®](https://blog.carnegieinvest.com/en/retirement-plan-talk/author/douglas-warzinski-cfp-cima-svp-retirement-advisor) on Feb 12, 2026 9:00:00 AM - [Tweet](https://twitter.com/share) [![Compeditive Agvantage with Feduciary Retirement Plan Services](https://blog.carnegieinvest.com/hubfs/Fiduciary%20v%20Broker%20Dealer%20Who%20should%20manage%20your%20company%20401k-2.png) ](https://blog.carnegieinvest.com/en/retirement-plan-talk/competitive-advantage) For many HR teams and plan sponsors, retirement plan compliance can feel reactive. A nondiscrimination test fails, refunds go out, corrections are made, and the plan moves on. That’s not how it plays out everywhere. Some organizations deal with fewer surprises, make clearer decisions, and spend less time putting out fires. **Their retirement plan supports retention and leadership confidence instead of becoming another annual stress point.** ### **** [Read More](https://blog.carnegieinvest.com/en/retirement-plan-talk/competitive-advantage) Topics: [Retirement Planning](https://blog.carnegieinvest.com/en/retirement-plan-talk/tag/retirement-planning), [401k](https://blog.carnegieinvest.com/en/retirement-plan-talk/tag/401k) ## [Roth Catch-Up for High Earners: Not Complicated, Unless You Wait](https://blog.carnegieinvest.com/en/retirement-plan-talk/roth-catch-up-for-high-earners-not-complicated-unless-you-wait) Posted by [Douglas Warzinski, CFP®, CIMA®](https://blog.carnegieinvest.com/en/retirement-plan-talk/author/douglas-warzinski-cfp-cima-svp-retirement-advisor) on Nov 6, 2025 3:36:45 PM - [Tweet](https://twitter.com/share) [![Roth Catch-Up for High Earners ](https://blog.carnegieinvest.com/hubfs/Fiduciary%20v%20Broker%20Dealer%20Who%20should%20manage%20your%20company%20401k.jpg) ](https://blog.carnegieinvest.com/en/retirement-plan-talk/roth-catch-up-for-high-earners-not-complicated-unless-you-wait) ### Starting 1/1/2026, SECURE 2.0 requires Roth-only catch-up contributions for HCEs. Here’s exactly what’s changing, and the simplest way to avoid getting stuck.  For HR leaders, payroll managers, and highly compensated employees trying to stay ahead of SECURE 2.0, one mistake is proving more costly than any other.  What’s tripping people up right now isn’t the rule. It’s the delay in acting on it.  Across the industry, we’ve seen this pattern again and again. Plans know the change is coming. But the assumption that “someone else is handling it” has quietly become the biggest threat to compliance.  ### **** [Read More](https://blog.carnegieinvest.com/en/retirement-plan-talk/roth-catch-up-for-high-earners-not-complicated-unless-you-wait) Topics: [Retirement Planning](https://blog.carnegieinvest.com/en/retirement-plan-talk/tag/retirement-planning), [401k](https://blog.carnegieinvest.com/en/retirement-plan-talk/tag/401k) [All posts](https://blog.carnegieinvest.com/en/retirement-plan-talk/all) ### Posts by Topic - [Financial Planning (84)](https://blog.carnegieinvest.com/topic/financial-planning) - [Investing (43)](https://blog.carnegieinvest.com/topic/investing) - [Investment Management (21)](https://blog.carnegieinvest.com/topic/investment-management) - [Retirement Planning (15)](https://blog.carnegieinvest.com/topic/retirement-planning) - [Wealth Management (15)](https://blog.carnegieinvest.com/topic/wealth-management) - [Economy (14)](https://blog.carnegieinvest.com/topic/economy) - [Market (14)](https://blog.carnegieinvest.com/topic/market) - [Relationship Management (5)](https://blog.carnegieinvest.com/topic/relationship-management) - [Taxes (5)](https://blog.carnegieinvest.com/topic/taxes) - [Nonprofits (4)](https://blog.carnegieinvest.com/topic/nonprofits) - [Stocks (4)](https://blog.carnegieinvest.com/topic/stocks) - [Technology (4)](https://blog.carnegieinvest.com/topic/technology) - [Giving (3)](https://blog.carnegieinvest.com/topic/giving) - [nonprofit financial advisors (3)](https://blog.carnegieinvest.com/topic/nonprofit-financial-advisors) - [ESG (2)](https://blog.carnegieinvest.com/topic/esg) - [Interest Rates (2)](https://blog.carnegieinvest.com/topic/interest-rates) - [Artificial Intelligence (1)](https://blog.carnegieinvest.com/topic/artificial-intelligence) - [Fiduciary (1)](https://blog.carnegieinvest.com/topic/fiduciary) - [health insurance (1)](https://blog.carnegieinvest.com/topic/health-insurance) [See all](https://blog.carnegieinvest.com/en/retirement-plan-talk/author/douglas-warzinski-cfp-cima-svp-retirement-advisor#) ## ![image-4](https://blog.carnegieinvest.com/hs-fs/hubfs/image-4.png?width=472&height=548&name=image-4.png) ### Looking to hire a Financial Advisor? 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