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What is Non-Discrimination Testing?

…the likelihood of HCEs receiving refunds you may want to take advanced planning steps to minimize any uncertainty and the consequences of the testing process. Some approaches to adopt are: Make plan participation more attractive to lower-paid employees through plan redesign, adding more investment options,…

Thinking of Taking a Loan from Your 401(k)? Not So Fast!

…retirement benefits field. He is Senior Vice President of Client Services at Pentegra Retirement Services, a leading provider of retirement planning services to financial institutions and organizations nationwide, founded by the Federal Home Loan Bank System in 1943. Rausser oversees consulting, BOLI, actuarial, communications, and…

When Social Security Loopholes Close

…up feeling you are, as an ursine cartoon character used to put it, “smarter than the average bear.” That is true in the area of retirement planning as well … but take heed: two Social Security benefits loopholes are now closing. The 2015 Congressional budget…

The Coming “Lifetime Income Solution” Revolution

…family care costs; and increasing life expectancies. While astutely planning for one’s retirement is a good idea at any age, it understandably becomes a more pressing issue as one nears their retirement.For example, if you are thinking of retiring in two years and start taking…

Keep It Simple!

…it sit there for so long?” I suspect that this is how the vast majority of 401(k) plan investors may feel. Many participants are largely uninformed when it comes to retirement planning. Irrespective of their level of education and professional training, they are probably not…

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

…the forest for the trees” scenario. By definition, retirement planning professionals are primarily concentrating on how to help their clients, and those clients’ employees, to develop a prudent savings strategy in order to achieve a comfortable retirement. We see people constantly striving to “hit their…

BOLI– Why the Benefits Outweigh the Concerns

…years, or beyond, and that can make planning a challenge. The long-term nature is why bankers often use this asset to offset long-term liabilities such as healthcare and retirement costs. In addition, BOLI can be used as a great alternative investment to generate income when…

Pensionizing Your Retirement Savings

A blog by Rich Rausser, CPC, QPA, QKA, Senior Vice President, Pentegra Retirement Services – March 3, 2016 The Institutional Retirement Income Council (IRIC) – commonly referred to as a non-profit “think tank” for the retirement income planning community – recently released what it considers…

Leaving the 401(k) Alone

That gust of wind you felt on the afternoon of November 2nd was the collective exhalation of relief by employees, employers and retirement planning professionals everywhere. The reason? Despite a high level of concern in many quarters over speculation that the Republicans’ “Tax Cuts and…

Tools to Drive Success

It’s never too early—or too late—to start planning and saving for retirement. Pentegra offers tools and tips that are simple, yet essential tips for building a savings and accumulation strategy that can put participants on the path toward more successful outcomes—and a secure retirement reality….

Why is Tax Reform So Difficult?

…Verizon). At Verizon, Mr. Slade was responsible for asset allocation and planning for its $15 billion Defined Benefit pension fund. Mr. Slade holds a Ph.D. in Economics from the University of Pennsylvania and a CFA, and is a frequent presenter at industry seminars and conferences….

When Black Swans Appear in Financial Markets

…for mutual fund products. Prior to Mr. Slade’s tenure at Citigroup, he was an Investment Manager at NYNEX Asset Management (now Verizon). At Verizon, Mr. Slade was responsible for asset allocation and planning for its $15 billion Defined Benefit pension fund. Mr. Slade holds a…