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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…

Making Your 401(k) Continue to Jingle All the Way

‘Tis the season for credit card bills tallying up what many of us spent for holiday gifts. Even with the best intentions, those bills can still be a little hair-raising when they are opened. Thus, ‘tis is also the season for many otherwise prudent retirement…

Navigating the New Defined Benefit Pension Plan Landscape

…market rates, the real funding shortfall will decrease as interest rates rise further. So what is the best strategy for investing your defined benefit plan assets? There are two approaches: the total return investment strategy, and the liability-driven investment strategy. The first, more typically seen…

The SSRA: What’s Not to Like?

…crisis more seriously of late, bodes well. But given that Congress is now in a lame duck session, nothing is guaranteed. Our best guess is that SSRA will probably be attached to another bill; with luck, that bill will be voted upon before January 3,…