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What is Bitcoin?

designed to be tamper-proof via use of complex identifiers. Tech companies such as IBM are starting to enter the blockchain business. While users generally pay a fee for credit card and other financial transactions, proponents claim that Bitcoin transactions are virtually costless. Money, i.e. dollar…

The Federal Government May Be Getting Serious About Retirement – Finally

…to that customer. Regulation Best Interest is designed to prevent a broker-dealer from putting its financial interests ahead of the interests of a customer when making recommendations. On another front, Senate Finance Committee Chairman Orrin Hatch (R-UT) and Ranking Member Ron Wyden (D-OR) have introduced…

Driving your Organization’s Success using Benefits as a Recruitment Tool

…benefits of sponsoring a retirement plan or if modifying your plan’s design could make it more valuable to the organization. Employers generally sponsor retirement plans to help them recruit and retain qualified employees and for the tax advantages available to plan sponsors. Here are some…

The “Total Rewards” Approach to Attracting and Retaining Talent

…performance over a specified period – and long-term incentive pay, which can include stock options, restricted stock, performance shares, performance units and cash. An employee assistance program (EAP). This is a work-based intervention program designed to assist employees in resolving personal problems, such as financial,…

Help Clients Understand Why a QDIA Matters

plan sponsor to fiduciary risk by making the decision to direct such contributions. As a result, the industry and regulators realized that it was important to establish what would become known as a Qualified Default Investment Alternative or QDIA. A QDIA is designed to meet…

Retaining Plan Records

…name, Social Security number, date of birth, and marital/family status Employment history information Officer and ownership history and familial relationships Election forms for deferral amount, investment direction, beneficiary designation, and distribution requests Listing of contribution and distribution transactions Notarized spousal consents and waivers Electronic Documentation…

Answering the “Why Us?” Question

…and what you recommend, but why they should do it with you. To be sure, your years of professional service and your credentials matter, but in a universe with many people who share the same designations and path as you, these things may not distinguish…

It’s Not a One-Size-Fits-All World

…AND your expertise. It’s all about asking the right questions so that together, we can design the ideal retirement plan for each of your clients. For more on this, download the question list and give us a call to talk about how we can help….

Taming the Millennial Horse

…savings crisis that the United States faces as a whole, we believe that Millennials should consider reordering their priorities. Digging Deep Following a round of written responses from survey participants around the country, Pentegra independently interviewed a number of respondents for additional information designed not…

Getting Ready for a PEP Rally!

…of PEPs allow the participating employers to benefit from lower fees than in traditional single employer plans. In the RFI, the DOL states: PEPs are required to designate a pooled plan provider who is a named fiduciary of the PEP. As a fiduciary, the pooled…

Keep It Simple!

…is intended to help participants design their 401(k) plan accounts in an uncomplicated way that is easy to understand. Many companies’ 401(k) plans include simple, yet effective tools, such as automatic enrollment, where the plan sponsor chooses a “default investment” for employees’ contributions. These default…