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Decumulation – Strategies and Trends

Have you or your employees ever wondered about the most efficient ways of drawing down your retirement assets? Are you offering a plan with enough flexibility to meet the needs of your diverse employee group? With so many different puzzle pieces, it’s no wonder so…

FIRE-d Up?

…gained momentum with an apparently growing number of Millennials. And that is because it basically boils down to saving as much money as you can now in order to take retirement early; a Millennial, after all, has more time to sock money away than someone…

Five Tips for Getting Smart About Retirement Right Now

…Early On Perhaps surprisingly, most millennials plan on working during their retirement. But no matter what your plans are, take advantage of compounding by starting to save as early as you can. People who started saving for retirement in their 20s are 66% more likely…

The Retirement Savings Deficit in America

Based upon numerous studies and recounting of personal experiences, the question is not: are people saving enough for retirement? But, how little are they saving, and how big is the deficit between what is being saved and what is required to maintain a reasonable standard…

401(k)s and Student Loans – A Good Match?

Millennials are not the only cohort to have student loan debt, but they are the latest and the largest. According to the U.S. Federal Reserve, 44.7 million Americans (not all Millennials) owe $1.56 trillion in total student loan debt. One study showed that 69% of…

401(k)s and Student Loans – A Good Match?

Millennials are not the only cohort to have student loan debt, but they are the latest and the largest. According to the U.S. Federal Reserve, 44.7 million Americans (not all Millennials) owe $1.56 trillion in total student loan debt. One study showed that 69% of…

Supporting a Bill for Forming a Federal Retirement Commission

…contribution models. A comprehensive review of private retirement coverage, individual and household accounts balances, investment trends, costs and net returns, and retention and distribution during retirement. A comprehensive review of societal trends, including wage growth, economic growth, unique small business challenges, serial employment, gig economy,…

The Federal Government May Be Getting Serious About Retirement – Finally

…defined benefit to defined contribution models. A comprehensive review of private retirement coverage, individual and household accounts balances, investment trends, costs and net returns, and retention and distribution during retirement. A comprehensive review of societal trends, including wage growth, economic growth, unique small business challenges,…

Is the Dow Jones hitting 20,000 meaningful?

…we should ignore the psychology behind it. On the contrary, numerous psychological studies over the years have identified a human preference for round numbers, a preference which can lead to some seemingly odd behaviors. For instance, there is a widespread preference among US retailers to…

The Falling Price of Energy-Looking Through a Micro Lens

…(less than 1), consumers are relatively insensitive to the decline in energy prices, meaning they don’t change their usage very much. This will result in lower revenue for producers. Many studies have found that in the short run, the elasticity of demand for energy ranges…