ForUsAll Change Retirement in America Retirement in America is underfunded by $6 trillion – and the existing financial service providers aren’t doing enough to fix it. Although they are collecting an EXTRA $17 billion a year in fees.
Small Business 401(k) Better 401(k)s For Law Firms: How Lawyers Can Optimize Their 401(k) Attorneys may not think of themselves as running a small business, but even law firms with 50 or 100 attorneys and support staff have much in common with small business when it comes
401k Administration 401(k) Plan Reviews: Has Your 401(k) Had Its Annual Check-Up? At least once each year retirement plan sponsors should meet with their 401(k) plan investment advisor and review the plan’s health. In these 401(k) reviews, the advisor typically goes over
401(k) Participation 401(k) Enrollment: How To Get More Employees Saving More 401(k) plan sponsors are trying new ways to motivate employees to enroll in the company’s 401(k) and save for retirement. According to Deloitte’s recent defined contribution survey, plan
401(k) Participation Use 401(k) features to nudge employees toward a successful retirement Retirement savers can give a well-deserved round of applause to Richard Thaler. The University of Chicago professor was recently awarded the Nobel Prize in Economics for his insights into the emerging field of
401k Administration Adding A Self-Directed Brokerage Window To Your 401(k) Is a brokerage window, also known as a self-directed option or account, a smart option for your company’s 401(k) plan? These days, there are some conflicting trends circulating in the 401(
401k Administration The DoL 401(k) Audit: How to Reduce Your Odds (Just In Case) A Department of Labor audit of your company’s 401(k) plan can be a time-consuming, not to mention, an expensive proposition. How expensive? In 2013 the DOL’s imposed fines reached an
Small Business 401(k) Most Americans are Unprepared for Retirement A 401(k) can help Americans are a confident bunch. In fact, 65% of 46-65 year-olds say they are “somewhat” or “very” confident they will have enough money in retirement. That’s according
403(b) Four Reasons To Hire A 403(b) Advisor For Your Plan If your non-profit organization is offering employees a 403(b) plan, then your team has an important savings tool at their disposal. Keeping a retirement plan like a 403(b) running smoothly can
401k Administration Why You Should Avoid High-Cost Funds In Your 401(k) Fund Lineup If your 401(k) plan is filled with high-cost funds there may be reason. Perhaps your 401(k) adviser explained to you that actively managed funds run by high profile mutual fund companies
401k Administration Why your participants should avoid active trading of 401(k) investments Passive investments, including target date funds can keep 401(k) participants on track Research shows that the average equity fund investor earns below average returns. How can study after study show that the
401(k) Providers What vendors are required to offer a 401(k) plan? It all sounds so simple. Every payday you and your employees divert a portion of your paycheck into their 401(k) account. Then, invest. Repeat each payday. But it takes a surprising number
401k Administration Administrative Risks in Your 401(k) 10 common 401(k) administrative mistakes to watch out for A 401(k) a plan is a wonderful way for you and your employees to accumulate retirement assets. But managing a 401(k)
401k Administration What Are The Best 401(k) Funds For Your Plan? When your business offers a 401(k), one of your biggest decisions will be determining what the best investment options are for your employees. You may have an investment policy statement that provides
401(k) Plan Documents 401(k) Investment Policy Statements Does your 401(k) plan have an investment policy statement (“IPS”)? According to Callan consultants, some 90% of defined contribution plans maintain an IPS. Historically, however, larger plans are more are far more
401k Administration Five Signs That Your Business Is Outgrowing Its Retirement Plan Congratulations! Thanks to your company’s retirement plan, you and your employees are accumulating tax deferred savings and increasing the odds of a successful retirement for all of you. But do you have
Small Business 401(k) Small businesses are doing big things in the U.S. economy The mom and pop shop around the corner may be small, but together with the rest of the small businesses around the country they are a big deal. A small business is defined
401(k) Providers 4 Reasons to Hire an Advisor for Your 401(k) Plan If your small business’s 401(k) is already up and running, you deserve a hearty congratulations. You may have put the plan in place all by yourself and are running the plan
401(k) Participation Helping Employees Understand Their 401(k) If your company already offers a 401(k) plan, then you know it’s a great way for you and your employees to invest for retirement. What you may not know is that
401k Administration 5 Questions to Ask When Upgrading Your Company’s 401(k) So you are considering upgrading your small businesses’ 401(k). Good thinking! You and your employees will be able to sock away retirement savings and watch the returns accumulate tax-free. If it’s
401(k) Participation How to focus on participation and savings in your company’s 401(k) So you want your retirement plan to be successful… That means you want your employees to join the company 401(k), and you want them to divert a meaningful portion of their paychecks
401(k) Providers Should you get your 401(k) from your payroll provider? If you are thinking about offering a 401(k), you may think it makes perfect sense to hire your payroll provider to recordkeep and administer the plan. After all, you want to sock
401k Administration 401(k) Leakage A good advisor can help plug 401(k) leaks A 401(k) is a great way for you and your employees to stay on the road to a successful retirement. In fact, a
401k Administration Active vs. Passive Asset Management in 401(k) Accounts @media screen and (max-width: 450px){ table { font-size: 9px; }} Can portfolio managers add value through active security selection? Recent research suggests no, active management is unlikely to produce returns that beat passive index investing.
ForUsAll 401(k) fun facts One of our clients recently asked us for some “fun facts” about the 401(k) that he could share in his company’s employee newsletter. We thought that was such a fun exercise
