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Future of the Fiduciary Rules in a Nutshell

…trade agreements. The future of yet another matter also remains unclear: what shape changes to the fiduciary standard as applied under the Employee Retirement Income Security Act of 1974 (ERISA) will take. If, of course, there are any changes. Following five years’ worth of development…

Are You and Your Spouse on the Same Page When it Comes to Retirement?

…Now may be as good a time as any to start the conversation. Different couples have different lifestyles According to the U.S. Department of Labor, 60.6% of married couples have two working spouses. However, not all employers offer retirement plans for their employees – particularly…

Big Changes Expected in Form 5500 Reporting

…for plan years beginning in 2019 and beyond. The proposed changes seek to improve publicly available information about employee benefit plans and reinforce the important duties plan fiduciaries have under ERISA to prudently operate plans and monitor service providers. The table below highlights our first…

The Potential New Fiduciary Reality for Plan Sponsors

Even with the ongoing uncertainty about the possible expansion of the Department of Labor’s (DOL) definition of the fiduciary standard created by the Employee Retirement Income Security Act of 1974 (ERISA), now is still a good time for plan sponsors to understand – and plan…

Retirement: A Guide to Your Future

…investment, tax, legal or accounting advice on the matters addressed. Neither Pentegra Services, Inc., its subsidiaries, nor any of their respective employees intend that this material should be relied on as investment advice, which should be sought from a professional advisor. Performance information shown reflects…

Pension Plans as Shareholders

…These proxy voting policies can lead, in some cases, to divestment of companies which are deemed to violate corporate governance best practices. Private pension plans, on the other hand, are governed by Department of Labor (DOL) regulations under the Employee Retirement Income Security Act of…

Aligning Plan Design with Client Goals

…need. Plan designs can vary in important ways. For example, depending on the plan: contributions can be discretionary or mandatory. They can favor older employees over younger ones. They can accumulate a balance like a 401k or a promised benefit as in defined benefit plan….

Consider Behavioral Bias In Retirement Plan Design and Communications

…contributions.  Your role as a trusted advisor is crucial to both your relationship with the plan and plan sponsor, but also to help employees navigate past their own biases. Talk to us about expert plan design and plan communications that can help drive better outcomes….

Navigating the New Defined Benefit Pension Plan Landscape

…equity for exposure to the U.S. and non-U.S. equity markets. This approach is designed to help offset the impact of salary-based benefit accruals of active employees on future liabilities. It often uses a “core and satellite” structure, where the core investments can include index funds…

Fed Patience and Other Curiosities

…it should actually be quieter. This material is provided solely for informational purposes and does not constitute investment advice on the matters addressed. Neither Pentegra Services, Inc., its subsidiaries, nor any of their respective employees intend that this material should be relied on as investment…

Use Benchmarking to Your Advantage

…increasing employee participation. And we know that benchmarking reports generally don’t address these things either. We also know that much of the work we do is behind the curtain  – clients don’t see it. And, what they don’t see, they may not value. That’s why…