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3(16) Fiduciary Services and Why You Should Care

…role in helping clients understand this challenge and introduce the opportunity of a 3(16) fiduciary outsourcing relationship. Talk to us to learn more about how we can guide clients to a solution they can rely on, that will also free them to focus on creating…

Good Window of Opportunity for Roth IRA Conversions

…higher than what you are paying currently. Since you’re no longer allowed to reverse a Roth IRA conversion, it’s important to understand the tax ramifications. Talk to your tax advisor before taking any action. TRADITIONAL VS. ROTH IRA: HIGH-LEVEL COMPARISON Here is a simplified comparison…

Compliance Essentials

…long-term goals if they are focused on short term problems. With good data, we will know, for example, if company owners are reaching their contributions limits. When this happens, there’s likely a good reason to talk about additional features or other plan design options that…

The “Total Rewards” Approach to Attracting and Retaining Talent

…or other pressing financial issues to deal with; they’d rather spend their money on more “fun.” Addressing those concerns can perhaps be best done by a qualified financial advisor – or, as our own past surveys have indicated, by at least talking with family members…

BOLI– Why the Benefits Outweigh the Concerns

We have been talking about the benefits of Bank Owned Life Insurance (BOLI) for some time now – and although we cannot take all the credit, it seems that banks are listening. According to the most recent data from Michael White Associates (MWA)*, total U.S….

Understanding Forfeitures

  Understanding how forfeitures work in retirement plans When we talk about 401k type retirement plans we sometimes focus on the contributions made by employees that are ALWAYS immediately vested. In other words, it’s THEIR money and they can always withdraw it without forfeiting ANY-…

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

…appropriate in light of the current comment record and potential input from, and action by, the Securities and Exchange Commission, state insurance commissioners and other regulators.” Given all the delays, there remains understandable talk about whether that new July 1 deadline will be met, or…

Make The Shift to Automatic

As an employer, implementing Auto-Enrollment features can help to shift employees in the direction of retirement savings while still allowing the freedom to make their own choices. Join us as we discuss what you need to know to implement or improve upon auto-enrollment features, including:…

The Loan They Never Take May Make All the Difference

…they budget, and how they make choices about taking on debt because success here translates directly to greater confidence and preparedness to save for their future. Let’s talk about how we can work together to educate and guide people to true financial wellness. The result…

Answering the “Why Us?” Question

…your retirement plan partners will create a customized plan to optimize participation, be tax efficient, and set a path for good outcomes. Your orientation to be a partner for the long term will help set yourself apart. Talk to us about how we can help…

It’s Not a One-Size-Fits-All World

AND your expertise. It’s all about asking the right questions so that together, we can design the ideal retirement plan for each of your clients. For more on this, download the question list and give us a call to talk about how we can help….