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Second Thoughts About the SECURE Act

It has been crystal ball-gazing time since the Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019 passed the U.S. House of Representatives by a nearly unheard-of 417-3 vote earlier this year. At first it seemed a given that the bill would easily…

Feeling More SECURE About Retirement

Some good news out of Washington: On May 23, the U.S. House of Representatives overwhelmingly passed the Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019. Many view this as one of the most important changes to retirement plan rules that we have…

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

…can offer its employees a solid retirement plan, much like the better-known 401(k) … in effect, taking care of people within their organization while simultaneously continuing on their philanthropic mission. Associations of 403(b) sponsors come together with a sense of community. Non-profit employers are comfortable…

Enhancing Your Bank’s Competitive Position with an Executive Benefit Plan

Enhancing Your Bank’s Competitive Position with an Executive Benefit Plan What is one of the keys to creating a lasting competitive advantage for any community bank? Attracting, retaining and rewarding the employees you need in order to ensure your success. Today, with unemployment rates trending…

You’ve Saved Enough to Comfortably Retire. Now What?

…or colder climate? Do you want to downsize to a smaller home, move to an over-55 community, or maintain your current domicile as part of what you will leave for your heirs? As for the day-to-day routine in retirement: Have you thought about teaching a…

Are More Modifications Needed Before We Feel SECURE?

When the Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019 was finally signed into law on December 20, 2019, it was a cause for celebration among retirement industry professionals everywhere. After all, the SECURE Act was the first major legislation for our…

SECURE – What It Can Mean for Small Businesses

Understandably, the global and national effects of the COVID-19 pandemic are top of mind today. But, now that we generally appear to be on the downside of the coronavirus’s curve, it is worth revisiting the Setting Every Community Up for Retirement Enhancement (SECURE) Act, and…

The Growing Use of Collective Investment Trusts in Retirement Plans

Collective Investment Trusts (CITs) have recently gained significant traction in the plan sponsor community. What are CITs? Unlike mutual funds, CITs, also known as commingled or collective funds, are pooled investment vehicles organized as trusts and maintained by a bank or trust company. CITs are…

Pentegra at 75: Still Going Strong

…the past 75 years, as has the community we serve. In fact, Pentegra wasn’t even Pentegra until 1993; we started off as the Retirement Fund of the Federal Home Loan Bank System, having been established by that system to administer a defined benefit pension trust…

The “Definitive” List of Best States to Retire In

Many retirees seek to relocate after their careers are over, for a variety of reasons: Wanting to downsize, to live in a community of like-minded (and similarly aged) people, or moving closer to (or, in some instances, further away from) family and friends. But, assuming…

Pensions, Retirement and Markets: Five Questions for 2020

…less strict than the DOL Conflict of Interest Rule, would strengthen protections versus older fiduciary standards.4. How will the SECURE Act affect the retirement industry?After months of remaining in limbo in the Senate, the U.S. Congress passed the Setting Every Community Up for Retirement Enhancement…