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Keep It Simple!

…effort involved in becoming an investment expert. For many plan participants it may be beneficial to keep the process relatively simple so that they can more clearly understand what they are investing in. This is in line with the philosophy underlining Pentegra’s SmartPath™ initiative, which…

The 401(k) Plan of the Future

At Pentegra, we believe successful plan outcomes start with effective plan design. Plan features—automatic features—that better meet the needs of plan participants and plan sponsors can drive successful outcomes for participants and sponsors alike. The Pentegra SmartPath™ is a series of progressive plan design metrics…

Making a Good 401(k) Plan Even Better

At Pentegra, we believe successful plan outcomes start with effective plan design. Plan features—automatic features—that better meet the needs of plan participants and plan sponsors can drive successful outcomes for participants and sponsors alike. The Pentegra SmartPath™ is a series of progressive plan design metrics…

Some Thoughts on 401(k) Day

Each year, plan sponsors are encouraged to celebrate 401(k) Day by promoting their retirement plan. This year, National 401(k) Day is on September 8. Offering participants a plan designed with their best interests in mind, along with effective savings and accumulation strategies, and corresponding decumulation…

Credit Unions: Make Sure You Know Your Fiduciary

A blog by Richard Rausser, CPC, QPA, QKA, Senior Vice President – July 29, 2014 The 401(k) savings plan has been a godsend for employers and employees alike. It has also been a boon to a seemingly endless universe of companies that offer such plans…

Time to Get Serious About Your Retirement

A blog by Richard Rausser, CPC, QPA, QKA, Senior Vice President The end of a year is always a good time to take stock of one’s life: Not only what we’ve accomplished over the past 12 months, and where we currently are … but also…

Working With Time When It Comes to Your Retirement

A blog by Richard Rausser, CPC, QPA, QKA, Senior Vice President, Pentegra Retirement Services – August 25, 2015 Having previously discussed investment strategies and withdrawal (or “decumulation”) scenarios in this space, I thought it would be valuable to take a look at methods of effectively…

How to Keep Your Retirement Fund Working for You

A blog by Rich Rausser, CPC, QPA, QKA, Senior Vice President, Pentegra Retirement Services – October 14, 2015 Regular readers of my blogs are well aware that I often address strategies for amassing the funds during one’s active working years that are needed for a…

The Coming “Lifetime Income Solution” Revolution

A blog by Rich Rausser, CPC, QPA, QKA, Senior Vice President, Pentegra Retirement Services – November 3, 2015 We spend a great deal of our time at Pentegra helping participants accumulate the assets they need in order to achieve financial security for their retirement years….

Rule of Thumb for Decumulation: There Is No Rule of Thumb

A blog by Rich Rausser, CPC, QPA, QKA, Senior Vice President- December 8, 2015 In furtherance of my recent discussions about distribution options that retirement plan participants may wish to consider during the “decumulation” phase of the retirement savings process, this blog addresses some additional…