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Retirement Planning News

The Retirement Income Gap / Helpful Hints for Plan Sponsors

Summer 2018 Newsletter The Retirement Income Gap Many American workers participate in company retirement plans, methodically contributing to their accounts over time to fund for life after work. Beyond benefiting from employer-funded plans, retirees commonly draw from additional savings tucked away in IRAs or after-tax savings accounts […]

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Who is an Employee? / HSA vs 401(k)

Who is an Employee? / HSA vs 401(k) Spring 2018 Newsletter Who is an Employee? Maintaining a retirement plan for your employees is no easy task. At various points during the year, employers and HR departments field participant questions, help with enrollments, deliver notices and statements, and […]

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Navigating Distributions & Under the New Tax Law

Navigating Distributions & Under the New Tax Law Winter 2018 Newsletter Navigating Distributions The first quarter of the calendar year typically sees an uptick in the number of retirement plan distributions and participant loans. This year may be even busier than most, given the relief announced by […]

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End of the Year Checklist & iWork: The Next-Gen Workforce

End of the Year Checklist                    & iWork: The Next-Gen Workforce December 2017 Newsletter End of the Year Checklist As the year-end approaches, our to-do lists can be lengthy. There are holidays to prepare for, employee performance reviews to complete, and, oh, wait, there is also the year-end […]

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Fiduciary – The New “F” Word & Houston, We Have a Problem…

Fiduciary – The New “F” Word                           & Houston, We Have a Problem… September 2017 Fiduciary – The New “F” Word There has been a large amount of upheaval in the retirement world as of late and it centers around the “F” word. And by “f” word, I […]

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Retirement Plan Rx

Retirement Plan Rx June 2017 The latest news regarding retirement plans has centered around service provider fees.  While fees are a highly important aspect of managing an employer-sponsored retirement plan, they are not the only metric of your overall retirement plan’s health. A low-cost retirement plan does not necessarily parallel a […]

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Benefit Communications in an Electronic World

Benefit Communications in an Electronic World April 2017 With communication mediums like email, text, and IM’s becoming the standard in business industries worldwide, plan sponsors are becoming increasingly interested in abandoning paper processes for a more electronic means of communication with plan participants and beneficiaries. Since e-delivery is not an “all […]

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Dealing with Uncashed Distribution Checks and Missing

Dealing with Uncashed Distribution Checks and Missing Participants February 2017 It is estimated that uncashed checks account for billions of dollars, representing a fortune of uncollected funds belonging to plan participants or beneficiaries that they are not able to use and also represent serious issues for fiduciaries. Uncashed […]

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Keeping Abreast of Plan Loan Rules

Keeping Abreast of Plan Loan Rules October 2016 If you have a 401(k) plan, you’ve likely had participants ask about taking loans from their accounts. If you haven’t yet, it is only a matter of time. While the concept of taking a loan is pretty straightforward—you borrow money, you […]

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DOL Issues New Fiduciary Rule

DOL Issues New Fiduciary Rule August 2016 On April 8, 2016 the Department of Labor (DOL) issued final guidance that greatly expands the types of retirement investment advice that will be subject to the fiduciary duty rules under the Employee Retirement Income Security Act of 1974 (ERISA). The so-called “conflict of […]

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