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Some Thoughts on 401(k) Day

…remember that it is never too late. If possible, increase your 401(k) savings rate every time you get a pay raise, no matter what. Review your portfolio regularly. Asset allocation decisions are among the most important that you can make. Studies have shown that asset

What’s Really New About Investment Outsourcing?

…who will assume responsibility for the entire investment process. In essence the hired OCIO firm may assumes as much of the client’s fiduciary responsibility as is possible. The duties can include: review, analysis and changes to the client’s Investment Policy Statement, portfolio asset allocation, portfolio…

Managing An Aging Parent’s Finances

…It can allow the caregiver to pay bills or sell assets, including selling the parent’s home, and managing all assets. POA can be divided into financial and medical responsibilities, so that in the case of multiple children, one child does not have to take care…

Benchmarking Your Organization’s Retirement Plan

…of your employee population are at risk for not achieving their retirement goals-whether employees are utilizing asset allocation and target date funds, and whether catch up contributions are being maximized. WHAT SHOULD WE LOOK AT WHEN EVALUATING PLAN FEES AND EXPENSES? One of the more…

Five Tips for Getting Smart About Retirement Right Now

…Finally, establish an appropriate asset allocation to help you determine your portfolio’s overall risk and return. While saving requires sacrifice, focus on the rewards by visualizing the retirement that you want. Taking that first step can be the hardest, but once you have a game…

Building A Better 401(K) – Part One

…single fund investment solution that is well diversified among the various asset classes. Such an approach offers participants a means of keeping their investment strategy simple but sophisticated. Target date funds, asset allocation funds, and model portfolios are all fine examples of a workable, easy…

Mergers and Acquisitions

…– is this an asset purchase or an entity purchase? In other words, is the acquiring company buying the assets of the target company or are they buying the entity itself. In an asset purchase, the acquiring company generally doesn’t assume the assets and liabilities…

Will The Impossible Be Fun This Time?

…most recently during the housing-led crisis in 2007 and 2008. This was explained away as a simple, temporary supply-demand imbalance. As risky assets like stocks or high-yield bonds plunged in value, corporate investors had to move large sums of institutional money temporarily into short-term, overnight…

When Social Security Loopholes Close

…per year. As a result, couples were able to collect significantly more Social Security income. A valuable strategy to consider, at least if you can afford to suspend those benefits … but the window is rapidly closing. Under the new, Congress-mandated rules, anyone born on…