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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…

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…

The SECURE Act Has Finally Passed – What Does It Mean? (Part One)

The recent passage of the Setting Every Community Up for Retirement Enhancement (SECURE) Act is rightly the cause of celebration throughout the retirement planning industry. As the most significant retirement plan legislation in more than a decade, the SECURE Act (“SECURE” or the “Act”) contains…

It’s Always a Good Time to Rethink Retirement Strategies

…a source of concern. According to the U.S. Federal Reserve, roughly one-quarter of adults have no retirement savings at all – and just 36% believe that their retirement planning is where it needs to be. PwC estimates that the median retirement savings account of $120,000…

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,…

Good Window of Opportunity for Roth IRA Conversions

The Roth IRA is a powerful tax-favored retirement option since it can offer a hedge against future tax-rate increases. But beyond tax planning considerations, Roth IRAs have several important advantages over traditional IRAs: Unlike a traditional IRA, a Roth IRA distribution is tax-free if you’ve…

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

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…

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…

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

…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…