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Financial Wellness

…each month, they won’t be able to contribute to even the best-designed plan. You know as a wealth management advisor just how important debt management, credit card responsibility, and emergency funds are to a stable financial future, and at the same time, you’re aware of…

Taming the Millennial Horse

…to the big city. But when it comes to retirement savings, as we all know, the old saw “Save early, save often” is perennial advice … and, unfortunately, perennially under applied. The financial advisor and radio host Dave Ramsey perhaps said it best when he…

Some Thoughts on 401(k) Day

Each year, plan sponsors are encouraged to celebrate 401(k) Day by promoting their retirement plan. This year, National 401(k) Day is on September 8. Offering participants a plan designed with their best interests in mind, along with effective savings and accumulation strategies, and corresponding decumulation…

The “Total Rewards” Approach to Attracting and Retaining Talent

…or other pressing financial issues to deal with; they’d rather spend their money on more “fun.” Addressing those concerns can perhaps be best done by a qualified financial advisor – or, as our own past surveys have indicated, by at least talking with family members…

Good Window of Opportunity for Roth IRA Conversions

…in future years may extend to family members after death. Many tax experts suggest that the best reason to convert some or all of your traditional IRA to a Roth IRA is if you believe your tax rate during retirement will be the same or…

Thinking of Rolling an Old 401(k) Balance to an IRA? Not so Fast!

…60-day rollover rule. IRAs do not offer the kind of stability or guaranteed fund investment options that most 401(k)s do. In addition, IRA account advisors may not be fiduciaries, meaning that they are not required to keep the investor’s “best interests” foremost. As a result,…

The Pentegra Communication Advantage

Pentegra’s plan sponsor tools are designed to help you manage your plan easily and more effectively. Our comprehensive education and retirement planning resources focus on helping participants understand the financial challenge that retirement represents and how to best maximize the plan to meet their savings…

PENTalk™ – The Pentegra Fiduciary Smartpath™

…the role of a plan fiduciary and the responsibilities fiduciaries have to a retirement plan and its participants. The Pentegra Fiduciary SmartPathTM is designed to help you understand your fiduciary responsibilities and corresponding liabilities and offers best practice recommendations and guidance for managing these duties.”…

Fed Patience and Other Curiosities

…At best, this week’s Fed statement is a vague promise to maybe, someday consider a market bail out as they meanwhile consider a policy that still may include a few more painful rate increases. What was the December rate move then? Just as everything was…

Pentegra at 75: Still Going Strong

…changed in all that time is Pentegra’s commitment to its clients. Having adopted our moniker — a combination of the words “pensions” and “integrity” — in 1993, we have not wavered in our mission to provide the best advice and products in the retirement services…

Beware of Bold Market Headlines

…a “booming” economy, wage growth and inflation are at high levels. Both of these items have shown low, or at best, moderate growth in recent years. Also, potentially limiting an economic boom going forward are tariffs, potential trade wars, geopolitical tensions. and slowdowns in European…