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Pensions, Retirement & Markets: 5 Questions for 2019

…(SEC), which issued its proposed best-interest standards in April 2018, which would require broker-dealers to disclose conflicts of interest and to “exercise reasonable diligence, care, skill and prudence” to ensure they are selling products and carrying out transactions that are in a client’s best interest.1;…

Help Clients Find the 401(k) That’s Right For Them

…needs and goals. To be an effective advisor, it’s important to recognize these distinctions and ask the right questions to determine the 401k that best fits your clients’ needs. And in a competitive environment, our ability to customize their plan and experience can make all…

The 401(k) Plan of the Future

…Pentegra SmartPath™ is a series of progressive plan design metrics crafted in a way to best ensure successful retirement outcomes by helping participants set a reasonable level of savings, increase their contributions over time, achieve proper investment diversification and best maximize a plan’s investment alternatives….

Making a Good 401(k) Plan Even Better

…Pentegra SmartPath™ is a series of progressive plan design metrics crafted in a way to best ensure successful retirement outcomes by helping participants set a reasonable level of savings, increase their contributions over time, achieve proper investment diversification and best maximize a plan’s investment alternatives….

A Wish List for Santa

…who can provide recommendations that best suit an individual’s retirement goals – in an easy-to-understand manner – seems like it should be easy enough. Let’s make it so. Focus on retirement outcomes and success metrics. Position people for successful retirement outcomes by encouraging them to…

Pensions, Retirement and Markets: Five Questions for 2020

…fiduciary standard, also known officially as the “Conflict of Interest” rule, was repealed by a Federal court. Into this vacuum stepped several parties: (a) the Securities and Exchange Commission (SEC), which issued its proposed best-interest (BI) standards in April 2018. These would require broker-dealers to…

Second Thoughts About the SECURE Act

…the case in this area – may confuse employers who must act as fiduciaries and choose the best retirement plan options for their employees. Specifically, the legislation tries to make it easier for employers to choose annuities as a sound means of investment. As the…

Advantages of an Unbundled Platform

and one provider as recordkeeper, TPA, investment manager and custodian. Investment offerings are usually limited, and service delivery reflects the choices and qualities of the provider who may or may not be a leader in all facets of retirement plan work. When we partner with…

Anchoring and Your Retirement Savings Strategy

…auto escalation of contributions and target date or managed funds—all of which can make saving simpler for participants and help them potentially avoid psychological pitfalls such as anchoring that can sabotage sound investment practices. One other key to a good savings and investment strategy is…

Retaining Plan Records

and disclosure requirements Establish and implement adequate records management practices including, but not limited to, following procedures for labeling of electronic records and saving backup electronic copies Generally, paper records can be disposed of any time after being transferred to a compliant electronic record system….

Check Fiduciary Liability Coverage

…plan fiduciaries in the event of a breach of fiduciary duty. These policies typically cover settlements or judgments. Wrongful acts that may be covered by fiduciary liability insurance include: Negligent investment practices Failure to diversify investments Failure to file required reports Conflicts of interest Errors…