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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…

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…

SSRA Clears Ways & Means; Hope Springs Eternal for Full Vote

…is real, and will only get worse without easier pathways to saving and encouraging workers to start planning for retirement earlier in life. This legislation expands automatic enrollment, simplifies many retirement plan rules, and strengthens small businesses’ ability to offer workplace retirement plans, to make…

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…

The Importance of Retroactive Adoption of Retirement Plans

Implicit in planning for retirement is looking ahead. But thanks to the SECURE Act and the Internal Revenue Service (IRS), it can pay to look to the past as well. The Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019 allows an employer…

How Healthcare Impacts Retirement Savings

…important topic for participants getting ready for retirement. However, participants often need more than education, they need personalized planning on how to tie Social Security in with their other savings. A retiree can start taking Social Security at age 62 but their benefit will be…

Lifetime Income Illustrations

…participants have been mired in and myopically focused on attaining plan investment gains. While plan returns are, indeed, important during the accumulation phase of the retirement planning journey, it is not the ultimate goal of a DC plan. The goal is to grow each participant’s…

Practical and Tactical Actions for Small Business Owners

…of Pension and Protection Planning for Pentegra to learn about strategies such as applying the 199A tax deduction, using qualified and executive compensation arrangements to increase retirement income security, and implementing a plan governance process to mitigate fiduciary liability, as well as others. *Disclaimer: This…