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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…

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…

Aligning Plan Design with Client Goals

…lost tax savings or retirement savings since they’re not optimized to their particular situation. Aligning retirement plan design with a client’s goals means to listen and assess what their true goals are and then present a range of ideas that can best deliver what they…

Investing with “Style”: Growth and Value Stocks

…concerned about style risk or mistiming market cycles, it may be best to invest in a broadly diversified fund, such as an S&P 500 Index fund. Or, if you prefer to invest in style funds, a mix such as 50% Growth and 50% Value will…

Five Retirement Plan Changes that Employers Should Consider

…are in the plan participants’ best interests. Liquidating their money doesn’t really measure up to that directive. Instead, make it a policy to remind former employees that they still have money with your company, and that it can (probably) be rolled into their new job’s…

Maximizing an Owner’s Retirement Benefit

…opportunity for rank and file employees to participate while giving owners a more generous savings path. And don’t forget, the IRS provides all employees over the age of 50 the opportunity to make what are called “catch up” contributions. This might be the best named…