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Finding Security in Social Security

…the issue becomes more clear: You might be able to get by with just Social Security … but truly enjoying your golden years seems highly unlikely. So what can be done? Obviously taking advantage of your employer’s 401(k) plan and similar retirement programs is of…

Use Benchmarking to Your Advantage

…easily quantified than things like expertise and quality and the care of consulting that we deliver together. When cost is the primary driver, benchmarking is a pretty straightforward quantitative analysis.  When you’re prospecting it’s an offensive strategy as you invite employers to look at potential…

How Should Retirees Approach the Decumulation Phase of Their Retirement Savings

…shaped your savings decisions will also shape how you spend your savings. For many retirees, this can be overwhelming and often confusing. You may have savings from many different sources—employer-sponsored retirement plans, such as 401(k) or pension plans, plus Individual Retirement Accounts (IRAs) and Social…

The “Total Rewards” Approach to Attracting and Retaining Talent

…is of course a primary concern at Pentegra, and something that we are constantly discussing. But over half – 51 percent — of Americans still are not actively contributing to an employer-sponsored 401(k) account, according to a February 2018 study from Edward Jones. Further, only…

The Federal Government May Be Getting Serious About Retirement – Finally

…an updated version of the Retirement Enhancement and Savings Act (RESA), which would improve access to retirement savings. Among other things, as I previously wrote, RESA would re-introduce the pooled employer plan (PEP) to the retirement savings conversation. Groups such as the Insured Retirement Institute,…

Plan Audits

…any former employee who still has assets in the plan. In order to be considered an eligible participant, an individual does not have to contribute or receive employer contributions or otherwise have any activity in the plan in order to be included in the beginning…

3rd Quarter 2014 Economic & Market Review

Economy Hiring rose among U.S. employers in September as the jobless rate fell to a six-year low (5.9%) at the end of the third quarter – increasing the odds that the Federal Reserve will hike interest rates in mid-2015. Economists estimate the U.S. economy grew…

BOLI– Why the Benefits Outweigh the Concerns

…a rising cost environment when every expense must be justified to boards? The short answer is that BOLI can be used to offset the rising cost of pension plans, employer 401(k) contributions and healthcare expenses … plus it is a proven, effective tool for attracting…

Retirement Plan Implications of the New Tax Bill

…the bill would have eliminated the requirement that individuals take all available plan loans prior to hardship distribution, as well as the rule that prohibits participants from making contributions for six months following a hardship distribution. It also would have allowed earnings, qualified non-elective employer

Leaving the 401(k) Alone

That gust of wind you felt on the afternoon of November 2nd was the collective exhalation of relief by employees, employers and retirement planning professionals everywhere. The reason? Despite a high level of concern in many quarters over speculation that the Republicans’ “Tax Cuts and…

Retaining Millennials in the Workplace: Boost Benefits

…funds by the year 2034, about eight years before the first millennials are set to retire. A millennial is really relying on two things. Number one, does his or her employer have a 401(k) plan? Number two, is there a matching contribution? I firmly believe…

Financial Wellness

…to help. Talk to us about how we can create effective programs to talk with employers and communicate more effectively about what these mean and how to take advantage of them. It’s a way to clearly separate yourself from your competition while establishing a key…