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Cross Tested Plans

…of an organization. WHAT TYPES OF BUSINESSES BENEFIT FROM A CROSS TESTED PLAN? Generally smaller employers with stable workforces are good candidates for a Cross Tested plan. These types of plans are typically well-suited for small businesses and professional practices. CAN A CROSS TESTED PROVISION…

DOL: Tread Carefully When It Comes to ESG Investing

…the ESG banner are such factors as a company’s climate change policies, carbon footprint, recycling strategies, ethical supply chain sourcing, diversity and inclusion practices in hiring and its board of directors/management team, and transparency in shareholder communications. There are no big surprises in the DOL’s…

A To-Do List for Retirement Planning This Year

…issued an interim rule that will require plan administrators to issue annual statements to participants illustrating how much income they can expect from their ERISA-governed retirement account, as a single life annuity, as well as via a qualified joint and survivor annuity that includes a…

Can Pension Plans Help the Economy?

…market volatility. Table 1: US Total Retirement Market, 2000-2016 Trillions of dollars, end-of-period, selected periods *Estimated. Components may not add to the total because of rounding. Sources: Investment Company Institute, Federal Reserve Board, Department of Labor, National Association of Government Defined Contribution Administrators, American Council…

A Different Kind of GoP

…eligible for consolidated filing, plans must: Consist of defined contribution plans Have the same Trustee Have the same Named Fiduciary/Fiduciaries Have the same Administrator Use the same plan year Provide the same investments or investment options to participants and beneficiaries Even so, GoPs will likely…

Danger: Don’t Touch

…whether this option is available to you. Your other choice will be to “roll over” your retirement money into your new employer’s retirement plan or an individual retirement account (IRA). If you arrange for a direct trustee-to-trustee transfer, the plan administrator will move the money…

Target Date Funds

…made and are looking for a time horizon or risk-based investment strategy with a single decision. Investors overwhelmed by too many funds from which to choose may make less-than-optimal decisions at best, no decisions at worst. WHY DO TARGET DATE FUNDS MAKE A GOOD QUALIFIED…

Financial Wellness

…each month, they won’t be able to contribute to even the best-designed plan. You know as a wealth management advisor just how important debt management, credit card responsibility, and emergency funds are to a stable financial future, and at the same time, you’re aware of…

Coping with Market Volatility

Market volatility can sometimes cause us to make emotional financial decisions. That may not be the best strategy when saving for retirement. Join us as we discuss ways to help manage your investment strategy during times of market volatility, including: Evaluating where you are &…

3rd Quarter 2016 Economic & Market Review

…at best, and unemployment remained low (4.9% for August, the latest reading). Inflation was also contained as headline CPI for August was only 1.1% on a year-over-year basis. Equity Markets Equity markets provided positive returns for Q3; in fact, this was the fourth consecutive quarter…