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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…

The BOLI Boom: Is Your Bank a Part of It?

…rates will move up as well, even though the latter’s rise will lag relative to the markets. BOLI can also be used as a great alternative investment to generate income when there is a lack of loan demand. If your bank is sitting on a…

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…

Form 5500 in 2021: What We Know Now

…annual reporting requirements under Title I and Title IV of the Employee Retirement Income Security Act of 1974 (ERISA) and under the Internal Revenue Code. Form 5500 includes information about a plan’s qualification, its financial condition, investments, and operations. It must be submitted annually –…

The SECURE Act Has Finally Passed – What Does It Mean? (Part Two)

…be defined contribution plans, with the same trustee, the same named fiduciary (or named fiduciaries) under ERISA, and the same administrator, using the same plan year, and providing the same investments or investment options to participants and beneficiaries. We support this part of the legislation,…

Long Awaited BOLI Clarification

…income from the underlying investments of an insurance company’s general or hybrid account portfolio. BOLI tax-free earnings are used to indirectly offset the cost of employee benefit programs. The need for the this new clarification arose out of the Tax Cuts and Jobs Act of…

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…