{"id":1244,"date":"2013-10-31T17:35:57","date_gmt":"2013-10-31T22:35:57","guid":{"rendered":"http:\/\/pensionblog.com\/?p=1244"},"modified":"2013-10-31T17:35:57","modified_gmt":"2013-10-31T22:35:57","slug":"whats-the-impact-of-2014-irs-retirement-plan-limits","status":"publish","type":"post","link":"https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/","title":{"rendered":"What&#8217;s the Impact of 2014 IRS Retirement Plan Limits?"},"content":{"rendered":"<p><a href=\"https:\/\/vaniwaarden.com\/wp-content\/uploads\/2011\/10\/filling-piggy-bank1.jpeg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright size-full wp-image-986\" title=\"filling piggy bank\" src=\"https:\/\/vaniwaarden.com\/wp-content\/uploads\/2011\/10\/filling-piggy-bank1.jpeg\" alt=\"\" width=\"182\" height=\"215\" \/><\/a>The IRS just announced the <a title=\"2014 IRS limits\" href=\"http:\/\/www.irs.gov\/Retirement-Plans\/COLA-Increases-for-Dollar-Limitations-on-Benefits-and-Contributions\" target=\"_blank\" rel=\"noopener\">2014 retirement plan benefit limits<\/a> and we\u2019re seeing some modest increases from 2013. What does it all mean for employer-sponsored retirement plans? This post analyzes the practical effects for both defined contribution (DC) and defined benefit (DB) plans, followed by a table summarizing the limit changes.<\/p>\n<p><span style=\"text-decoration: underline; color: #003366;\"><strong>Changes affecting both DB and DC plans<\/strong><\/span><\/p>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Qualified compensation limit increases from $255,000 to $260,000.<\/strong><\/span> Highly-paid participants will now have more of their compensation \u201ccounted\u201d towards qualified plan benefits and less towards non-qualified plans. This helps for both nondiscrimination testing as well as for benefits.<\/li>\n<\/ul>\n<ul>\n<li><span style=\"color: #000000;\"><strong>HCE compensation threshold remains at $115,000.<\/strong><\/span> For calendar year plans, this will first affect 2015 HCE designations because $115,000 will be the threshold for the 2014 &#8220;lookback&#8221; year. When the HCE compensation threshold doesn&#8217;t increase to keep pace with employee salary increases, employers may find that more of their well-paid employees become classified as HCEs. Eventually, this could have two direct outcomes:<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Plans may see marginally worse nondiscrimination testing results (including ADP results) if more employees with large deferrals or benefits become HCEs. It could make a big difference for plans that were close to failing the tests.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>More HCEs means that there are more participants who must receive 401(k) deferral refunds if the plan fails the ADP test.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><span style=\"color: #003366;\"><strong><span style=\"text-decoration: underline;\">DC-specific increases and their significance<\/span><\/strong><\/span><\/p>\n<ul>\n<li><span style=\"color: #000000;\"><strong>The annual DC 415 limit increases from $51,000 to $52,000 but the individual 401(k) deferral limit remains unchanged at $17,500.<\/strong><\/span> A $1,000 increase to the overall DC limit will allow participants to potentially get a little more \u201cbang\u201d out of their DC plan &#8211; at least if their employer wants to give them more money.<\/li>\n<\/ul>\n<p style=\"padding-left: 30px;\">Since the 401(k) deferral limit counts towards the total DC limit, this means that an individual could potentially get up to $34,500 from employer profit sharing ($52K &#8211; $17.5K). Previously, their profit sharing limit would have been $33,500 ($51K &#8211; $17.5K).<\/p>\n<ul>\n<li><span style=\"color: #000000;\"><strong><!--more-->401(k) \u201ccatch-up\u201d limit remains at $5,500.<\/strong><\/span> Participants age 50 or older still only get a $5,500 catch-up opportunity. Combined with the new overall DC limit, they can effectively get a maximum DC contribution of $57,500 ($52K + $5.5K).<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline; color: #003366;\"><strong>DB-specific increases and their significance<\/strong><\/span><\/p>\n<ul>\n<li><span style=\"color: #000000;\"><strong>DB 415 maximum benefit limit (the \u201cdollar\u201d limit) increases from $205,000 to $210,000.<\/strong><\/span> The primary consequence of this change is that individuals who have very large DB benefits (say, shareholders in a professional firm cash balance plan) could see a deduction increase if their benefits were previously constrained by the 415 dollar limit.<\/li>\n<\/ul>\n<p>Below is a table summarizing the main changes to employer-sponsored retirement plan limits for 2014.<\/p>\n<p><a href=\"https:\/\/vaniwaarden.com\/wp-content\/uploads\/2013\/10\/2014-irs-limits1.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1247\" src=\"https:\/\/vaniwaarden.com\/wp-content\/uploads\/2013\/10\/2014-irs-limits1.png\" alt=\"2014 IRS limits\" width=\"489\" height=\"285\" srcset=\"https:\/\/viaactuarial.com\/wp-content\/uploads\/2013\/10\/2014-irs-limits1.png 489w, https:\/\/viaactuarial.com\/wp-content\/uploads\/2013\/10\/2014-irs-limits1-300x175.png 300w\" sizes=\"(max-width: 489px) 100vw, 489px\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The IRS just announced the 2014 retirement plan benefit limits and we\u2019re seeing some modest increases from 2013. What does it all mean for employer-sponsored retirement plans? This post analyzes the practical effects for both defined contribution (DC) and defined benefit (DB) plans, followed by a table summarizing the limit changes. Changes affecting both DB [&#8230;]<a class=\"understrap-read-more-link\" href=\"https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/\">Read More&#8230;<span class=\"screen-reader-text\"> from What&#8217;s the Impact of 2014 IRS Retirement Plan Limits?<\/span><\/a><\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[25,3,4,5,6,26,22],"tags":[38,39,36,20,21,45,49,50,44],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What&#039;s the Impact of 2014 IRS Retirement Plan Limits? - Via Actuarial Solutions<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What&#039;s the Impact of 2014 IRS Retirement Plan Limits? - Via Actuarial Solutions\" \/>\n<meta property=\"og:description\" content=\"The IRS just announced the 2014 retirement plan benefit limits and we\u2019re seeing some modest increases from 2013. What does it all mean for employer-sponsored retirement plans? This post analyzes the practical effects for both defined contribution (DC) and defined benefit (DB) plans, followed by a table summarizing the limit changes. Changes affecting both DB [...]Read More... from What&#8217;s the Impact of 2014 IRS Retirement Plan Limits?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/\" \/>\n<meta property=\"og:site_name\" content=\"Via Actuarial Solutions\" \/>\n<meta property=\"article:published_time\" content=\"2013-10-31T22:35:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/vaniwaarden.com\/wp-content\/uploads\/2011\/10\/filling-piggy-bank1.jpeg\" \/>\n<meta name=\"author\" content=\"Mark Schulte\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mark Schulte\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/\"},\"author\":{\"name\":\"Mark Schulte\",\"@id\":\"https:\/\/viaactuarial.com\/#\/schema\/person\/550e0b60004ae77e0fab0d97fbbf8f24\"},\"headline\":\"What&#8217;s the Impact of 2014 IRS Retirement Plan Limits?\",\"datePublished\":\"2013-10-31T22:35:57+00:00\",\"dateModified\":\"2013-10-31T22:35:57+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/\"},\"wordCount\":411,\"commentCount\":6,\"publisher\":{\"@id\":\"https:\/\/viaactuarial.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/vaniwaarden.com\/wp-content\/uploads\/2011\/10\/filling-piggy-bank1.jpeg\",\"keywords\":[\"401(k)\",\"401(k) plan\",\"cash balance plan\",\"pension\",\"pension plan\",\"profit sharing plan\",\"qualified plans\",\"qualified retirement plan\",\"retirement deduction\"],\"articleSection\":[\"401(k) plan\",\"Cash balance plans\",\"Defined benefit plans\",\"Defined contribution plans\",\"Private pensions\",\"profit sharing plan\",\"Public pensions\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/\",\"url\":\"https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/\",\"name\":\"What's the Impact of 2014 IRS Retirement Plan Limits? - Via Actuarial Solutions\",\"isPartOf\":{\"@id\":\"https:\/\/viaactuarial.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/vaniwaarden.com\/wp-content\/uploads\/2011\/10\/filling-piggy-bank1.jpeg\",\"datePublished\":\"2013-10-31T22:35:57+00:00\",\"dateModified\":\"2013-10-31T22:35:57+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/#primaryimage\",\"url\":\"https:\/\/vaniwaarden.com\/wp-content\/uploads\/2011\/10\/filling-piggy-bank1.jpeg\",\"contentUrl\":\"https:\/\/vaniwaarden.com\/wp-content\/uploads\/2011\/10\/filling-piggy-bank1.jpeg\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/viaactuarial.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What&#8217;s the Impact of 2014 IRS Retirement Plan Limits?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/viaactuarial.com\/#website\",\"url\":\"https:\/\/viaactuarial.com\/\",\"name\":\"Via Actuarial Solutions\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/viaactuarial.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/viaactuarial.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/viaactuarial.com\/#organization\",\"name\":\"Via Actuarial Solutions\",\"url\":\"https:\/\/viaactuarial.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/viaactuarial.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/viaactuarial.com\/wp-content\/uploads\/2023\/02\/logo2.png\",\"contentUrl\":\"https:\/\/viaactuarial.com\/wp-content\/uploads\/2023\/02\/logo2.png\",\"width\":365,\"height\":108,\"caption\":\"Via Actuarial Solutions\"},\"image\":{\"@id\":\"https:\/\/viaactuarial.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/viaactuarial.com\/#\/schema\/person\/550e0b60004ae77e0fab0d97fbbf8f24\",\"name\":\"Mark Schulte\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/viaactuarial.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/892b31127de66ce91181ca69f00109b1?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/892b31127de66ce91181ca69f00109b1?s=96&d=mm&r=g\",\"caption\":\"Mark Schulte\"},\"url\":\"https:\/\/viaactuarial.com\/author\/schultemw\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What's the Impact of 2014 IRS Retirement Plan Limits? - Via Actuarial Solutions","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/","og_locale":"en_US","og_type":"article","og_title":"What's the Impact of 2014 IRS Retirement Plan Limits? - Via Actuarial Solutions","og_description":"The IRS just announced the 2014 retirement plan benefit limits and we\u2019re seeing some modest increases from 2013. What does it all mean for employer-sponsored retirement plans? This post analyzes the practical effects for both defined contribution (DC) and defined benefit (DB) plans, followed by a table summarizing the limit changes. Changes affecting both DB [...]Read More... from What&#8217;s the Impact of 2014 IRS Retirement Plan Limits?","og_url":"https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/","og_site_name":"Via Actuarial Solutions","article_published_time":"2013-10-31T22:35:57+00:00","og_image":[{"url":"https:\/\/vaniwaarden.com\/wp-content\/uploads\/2011\/10\/filling-piggy-bank1.jpeg"}],"author":"Mark Schulte","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Mark Schulte","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/#article","isPartOf":{"@id":"https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/"},"author":{"name":"Mark Schulte","@id":"https:\/\/viaactuarial.com\/#\/schema\/person\/550e0b60004ae77e0fab0d97fbbf8f24"},"headline":"What&#8217;s the Impact of 2014 IRS Retirement Plan Limits?","datePublished":"2013-10-31T22:35:57+00:00","dateModified":"2013-10-31T22:35:57+00:00","mainEntityOfPage":{"@id":"https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/"},"wordCount":411,"commentCount":6,"publisher":{"@id":"https:\/\/viaactuarial.com\/#organization"},"image":{"@id":"https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/#primaryimage"},"thumbnailUrl":"https:\/\/vaniwaarden.com\/wp-content\/uploads\/2011\/10\/filling-piggy-bank1.jpeg","keywords":["401(k)","401(k) plan","cash balance plan","pension","pension plan","profit sharing plan","qualified plans","qualified retirement plan","retirement deduction"],"articleSection":["401(k) plan","Cash balance plans","Defined benefit plans","Defined contribution plans","Private pensions","profit sharing plan","Public pensions"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/","url":"https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/","name":"What's the Impact of 2014 IRS Retirement Plan Limits? - Via Actuarial Solutions","isPartOf":{"@id":"https:\/\/viaactuarial.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/#primaryimage"},"image":{"@id":"https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/#primaryimage"},"thumbnailUrl":"https:\/\/vaniwaarden.com\/wp-content\/uploads\/2011\/10\/filling-piggy-bank1.jpeg","datePublished":"2013-10-31T22:35:57+00:00","dateModified":"2013-10-31T22:35:57+00:00","breadcrumb":{"@id":"https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/#primaryimage","url":"https:\/\/vaniwaarden.com\/wp-content\/uploads\/2011\/10\/filling-piggy-bank1.jpeg","contentUrl":"https:\/\/vaniwaarden.com\/wp-content\/uploads\/2011\/10\/filling-piggy-bank1.jpeg"},{"@type":"BreadcrumbList","@id":"https:\/\/viaactuarial.com\/2013\/10\/31\/whats-the-impact-of-2014-irs-retirement-plan-limits\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/viaactuarial.com\/"},{"@type":"ListItem","position":2,"name":"What&#8217;s the Impact of 2014 IRS Retirement Plan Limits?"}]},{"@type":"WebSite","@id":"https:\/\/viaactuarial.com\/#website","url":"https:\/\/viaactuarial.com\/","name":"Via Actuarial Solutions","description":"","publisher":{"@id":"https:\/\/viaactuarial.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/viaactuarial.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/viaactuarial.com\/#organization","name":"Via Actuarial Solutions","url":"https:\/\/viaactuarial.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/viaactuarial.com\/#\/schema\/logo\/image\/","url":"https:\/\/viaactuarial.com\/wp-content\/uploads\/2023\/02\/logo2.png","contentUrl":"https:\/\/viaactuarial.com\/wp-content\/uploads\/2023\/02\/logo2.png","width":365,"height":108,"caption":"Via Actuarial Solutions"},"image":{"@id":"https:\/\/viaactuarial.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/viaactuarial.com\/#\/schema\/person\/550e0b60004ae77e0fab0d97fbbf8f24","name":"Mark Schulte","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/viaactuarial.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/892b31127de66ce91181ca69f00109b1?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/892b31127de66ce91181ca69f00109b1?s=96&d=mm&r=g","caption":"Mark Schulte"},"url":"https:\/\/viaactuarial.com\/author\/schultemw\/"}]}},"_links":{"self":[{"href":"https:\/\/viaactuarial.com\/wp-json\/wp\/v2\/posts\/1244"}],"collection":[{"href":"https:\/\/viaactuarial.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/viaactuarial.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/viaactuarial.com\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/viaactuarial.com\/wp-json\/wp\/v2\/comments?post=1244"}],"version-history":[{"count":0,"href":"https:\/\/viaactuarial.com\/wp-json\/wp\/v2\/posts\/1244\/revisions"}],"wp:attachment":[{"href":"https:\/\/viaactuarial.com\/wp-json\/wp\/v2\/media?parent=1244"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/viaactuarial.com\/wp-json\/wp\/v2\/categories?post=1244"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/viaactuarial.com\/wp-json\/wp\/v2\/tags?post=1244"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}