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How Should Retirees Approach the Decumulation Phase of Their Retirement Savings

…informed outlook. Consider investigating an annuity. As illustrated above, these can guarantee income for a retiree’s lifetime, and/or that of their beneficiary. Meet with a qualified financial advisor who specializes in retirement planning. Ideally this will have already been done during one’s working years, but…

Pensions, Retirement and Markets: 5 Questions for 2018

…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 Ph.D. in Economics from the University of…

Portfolio Rebalancing in the Recent Market Environment

…asset allocation and quantitative stock screening 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…

When Black Swans Appear in Financial Markets

…screening 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…

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….

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…

Five Tips for Getting Smart About Retirement Right Now

Retirement planning is more important than ever before as people are living longer and having to support themselves for a longer time period after retirement. Here are five tips to help you get on the right path, at any age: 1. Start Saving For Retirement

The CARES Act and Your Retirement Plan

planning your short-term financial future. And, as always, consult with a tax professional when taking a distribution or loan from your retirement plan, and for more details on how it may impact your individual financial circumstances. But can a company whose retirement plan does not…

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!

…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 marketing practice groups at Pentegra….

Don’t Get Spooked: Overcoming Investing Bogeymen

…in search of something sweet. While we do not recoil in horror at these annual sights, many people planning for their retirement live in fear of a different kind of bogeyman: the performance of their portfolio. For these people, how to invest wisely for retirement

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…