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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…

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

…those people had taken out two or more such loans. Tellingly, 44 percent of those who had taken loans said they regretted the decision. Still, the temptation is there, and it is very real. If the 401(k) plan allows, the participating employee can take advantage…

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….

PENTalk™ – A Tax Advantaged Approach For Your Clients

“Do you have clients who are searching for opportunities for greater tax deductions? What if there was a way to provide help to your client while also maximizing benefits for themselves and their key employees? A cash balance plan may be the answer! Take a…

It’s Not a One-Size-Fits-All World

…plan will help you customize it. What does financial wellness mean to you? A 401(k) is a savings vehicle, but you can also use it to help educate employees to be healthier in all aspects of their lives. Are you familiar with different ways we…

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…

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….

Retirement Plan Implications of the New Tax Bill

…the case with a Roth IRA. A Plan Sponsor Council of America (PSCA) survey published earlier this year found that three-quarters of its respondents “strongly agreed” that eliminating or reducing the pre-tax benefits of 401(k) or 403(b) retirement savings plans would discourage employee savings in…

Keeping an Eye on the Ever-Pending Changes to the Fiduciary Standard

…like a good time to revisit the topic and provide some updates. Discussions about changes to the fiduciary standard as applied under the Employee Retirement Income Security Act of 1974 (ERISA) took some five years, with the new fiduciary rule finalized by the U.S. Department…

Standards for Electronic Delivery Of Required Plan Notices

As a general rule, an ERISA plan administrator may furnish notices to employees electronically. However, the administrator must use measures “reasonably calculated to ensure actual receipt.” To meet the DOL standard for electronic delivery of required plan notices, the guidelines require the following: The participant…

The Uncertain Future of the PBGC

…for bank deposits, the PBGC is essentially a federally-created safety net that provides limited coverage for private sector workers if their company’s pension fund fails. It was created by the Employee Retirement Income Security Act of 1974 (ERISA) to encourage the continuation and maintenance of…

Answering the “Why Us?” Question

…help set yourself apart. Talk to us about how we can help you showcase your approach to helping clients achieve the outcomes they seek for themselves and their employees. It’ll set you apart from the pack and help set the foundation to grow your business….