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Is the Roth 401(k) a Better Way to Save?

…401(k). Assuming that their funds are put into precisely the same investments and earn exactly the same amount, let’s further say that they each have account balances of $110 upon retirement. But when they withdraw that money, Bob will get only $100 after state and…

Plan Audits

…of the year count. That’s important because it can include former employees if they still have an account balance. This reality, plus the annual plan cost of carrying former employees, encourages many plan sponsors to force out former employees with small balances. The Department of…

Can US Value Stocks Make a Comeback?

…are generally those that are high priced relative to their book value (i.e. the value recognized on the company’s balance sheet), but are projected to have high earnings growth potential. Value stocks generally trade below their book value and are considered by value investors to…

Help Clients Understand Why a QDIA Matters

…many employees fail to make an investment election on their own. This creates a need for a default investment in the lineup. A cash fund has no risk, but also has no growth potential. Other investments may have income or growth potential, but expose a…

BOLI and the Changing Interest Rate Environment

…We believe that BOLI’s response to the changing environment is a positive one that banks should consider to enhance the performance and diversity of their balance sheets. BOLI is not a mark-to-market asset, which means that banks can expect their BOLI rates to rise as…

Keep It Simple!

…Mullainathan confesses that, upon reviewing his own investment portfolio, he realized: “Some of my money was in mutual funds, but I had no sense of how I chose them. And the rest of my money was in cash, earning virtually nothing; how had I let…

“Why It Matters” Before “How It Works”

Some business owners may come to you asking for information on a 401K or a cash balance plan. They may know of these from prior experience, or friendly advice, or they may have done their homework about different retirement plans. As retirement plan experts, we…

The “Total Rewards” Approach to Attracting and Retaining Talent

…performance over a specified period – and long-term incentive pay, which can include stock options, restricted stock, performance shares, performance units and cash. An employee assistance program (EAP). This is a work-based intervention program designed to assist employees in resolving personal problems, such as financial,…

The Lure of Non-Qualified Supplemental Retirement Benefit Plans

…The SERP is funded by the company out of cash flows and the expenses can be indirectly offset with cash value life insurance financing strategies. Such deferred benefits are not taxable to the key executive; instead, when paid, the benefits become taxable to the executive…

Is there a Baby Boomer Retirement Effect on the Stock Market?

…stock market as they cash in their savings? After all, boomers (i.e. those aged 46-64) have been estimated to own nearly 50% of the U.S equity market. Recent studies by Vanguard1 and others have cast doubt on the theory that boomer retirements will depress the…