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Thinking of Rolling an Old 401(k) Balance to an IRA? Not so Fast!

“Save early, save often” is our much-repeated mantra when it comes to constructing a sound retirement savings strategy. Prudent employees maximize their contributions to their company’s 401(k) plan, especially when it comes to taking full advantage of their employer’s matching funds. But what to do…

Auto-Portability: A Way to Address 401(k) Leakage

To paraphrase the late R&B great Edwin Starr: Leakage – what is it good for? Absolutely nothing! But leakage doesn’t just refer to water pipes in need of repair. The term can also be applied to 401(k) plans; namely, money left behind in an old…

The “Definitive” List of Best States to Retire In

Many retirees seek to relocate after their careers are over, for a variety of reasons: Wanting to downsize, to live in a community of like-minded (and similarly aged) people, or moving closer to (or, in some instances, further away from) family and friends. But, assuming…

Feeling More SECURE About Retirement

Some good news out of Washington: On May 23, the U.S. House of Representatives overwhelmingly passed the Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019. Many view this as one of the most important changes to retirement plan rules that we have…

Rapid Pace of Legislation in 2020 Could Be Eclipsed by This Year’s

2020 was an unusually busy year … and not just for the most obvious reasons. Legislatively, the retirement savings industry was faced first with the Setting Every Community Up for Retirement Enhancement (SECURE) Act – actually signed into law on Dec. 20, 2019 — the…

Five Key Concerns for Retirement Plans in 2019

New years are often viewed as opportunities for new beginnings. And while that may be true, it is also the case that a new year can present new problems – or in some instances, the continuation of old problems. When it comes to defined contribution…

Finding Security in Social Security

Despite widespread evidence to the contrary, many American workers appear to still believe that Social Security benefits will be enough to see them through their retirement. Whether that’s true depends on a number of factors affecting each individual. But the nation’s general reliance on Social…

More Tales of 401(k) Plans Gone Awry

As some of my Pentegra colleagues have pointed out in some of our recent blogs, there are many pitfalls and problems that can arise when it comes to the ins and outs of creating, administering and managing your company’s retirement plan. Here are some of…

Five Key Concerns for Retirement Plans in 2020

New years are often viewed as opportunities for new beginnings. And while that may be true, it is also the case that a new year can present new problems – or in some instances, the continuation of old problems. When it comes to defined contribution…

Administering Your Own Plan: What Could Possibly Go Wrong?

As many people are aware, serving as the fiduciary or plan administrator for your company’s retirement plan can be a tricky business indeed. After all, most company executives have other bits of business to tend to besides making sure they fully understand their legal duties…