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Cash Balance 101

…have the plan design conversation? Cash Balance 101. Our virtual classroom is open and we want to provide you with the knowledge you need! Core Curriculum Plan Design best practices Strategic selection – which clients may be the best fit and why Talking points for…

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

…they may not necessarily be recommending options that are most beneficial to the investor – but instead favor the advisor over the investor. It is also worthwhile to simply compare a 401(k) against an IRA, straight up. While the contribution limit for a 401(k) this…

The Federal Government May Be Getting Serious About Retirement – Finally

…of Appeals agreed with the U.S. Chamber of Commerce, the Securities Industry Financial Markets Association and others that the rule could make providing retirement advice too costly, particularly for lower-income Americans. In late April, the Trump administration allowed a deadline to seek a rehearing to…

Mergers and Acquisitions

…For some, it’s a strategy for growth. For others, it’s a defensive move to survive as markets and business requirements change. Whatever the motivation, there are almost always impacts on retirement benefits. Think about it: companies merge – they both have retirement plans. Now what?…

Has A Fed-Induced Rise In US Interest Rates Created Turmoil Overseas?

…of 15%, political turbulence and significant safety nets for their citizens, can the ECB sustain its growth-oriented policies and maintain reasonably low interest rates in southern Europe? Perhaps not. If markets at some point realize that these policies are unsustainable, what happens next? The EU…

Why Non-Profits Should Embrace the 403(b) MEP

A blog by Pete D’Angio, CFP, CRPS, National Director, Not-for-Profit Markets, Pentegra Retirement Services – November 21, 2016 Small to mid-size plan sponsors have for years been simplifying their 401(k) plan oversight by merging their plan into a Multiple Employer Plan (MEP), a retirement plan…

Payroll – It’s More than a Detail

…expensive as markets move. This is only exacerbated if errors are not discovered until much later.  Good data is one thing, but there’s another huge assumption – and that is payroll data needs to be provided timely. Rules say that plans must generally deposit contributions…

The Value of an Independent 3(16) Fiduciary

…fiduciary duties and their retirement plan, many companies tend to focus on the participants and the investments and rely on outside professionals such as a 3(38) investment fiduciary and a recordkeeper to support their plan, but there’s a missing piece. An independent 3(16) administrative fiduciary…

Check Fiduciary Liability Coverage

…plan fiduciaries in the event of a breach of fiduciary duty. These policies typically cover settlements or judgments. Wrongful acts that may be covered by fiduciary liability insurance include: Negligent investment practices Failure to diversify investments Failure to file required reports Conflicts of interest Errors…

How Healthcare Impacts Retirement Savings

Healthcare is generally one of the largest expenses during one’s retirement and costs continue to rise. These costs are rising primarily due to an aging population and longer life expectancy rates. According to Fidelity Investments, an average retired couple age 65 in 2021 may need…

Rapid Pace of Legislation in 2020 Could Be Eclipsed by This Year’s

…calling for a review of last year’s ruling by the U.S. Department of Labor on Environmental, Social, and Corporate Governance (ESG) investments – something we wrote about recently. Biden’s campaign website – still up as of his inauguration – lays out at length various positions…