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14

Feb 2019

Simplifying Retirement Plans

According to the latest data, participants are utterly and hopelessly confused about their retirement plans. From lifecycle funds, to the different types of withdrawals/rollovers (a recent white paper cited that participants are more likely to interpret a rollover as a “trick one teaches a dog”), to…

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31

Jan 2019

Decumulation Confusion

Just as the accumulation of sufficient assets is vital to retirement, proper decumulation - or the spending of those assets during retirement - is equally critical. We talk a lot about the former, but not so much about the latter; however as more Baby Boomers age into retirement, this will likely be…

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24

Jan 2019

You Have a Retirement Plan Committee - But Do You Have a Committee Charter?

Retirement plan committees (which are sometimes broken down into separate committees such as an investment committee and/or an administrative committee) serve an important function to ensure that the plan fiduciaries fulfill their responsibilities. While most plan sponsors utilize these committees,…

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17

Jan 2019

Revisiting My 2018 Retirement Plan Trends

A little over one year ago, I made some predictions as to what the hot trends would for retirement plans in 2018. Let’s take a look to see how accurate I was: Next generation auto-enrollment techniques will gain in popularity - Verdict: Unknown. I have not yet seen any studies of 2018 data for tren…

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10

Jan 2019

The Stock Market Soap Opera and Some Basic Math

The volatility of the stock market has become a major news story lately. But, as we well know, there is a tendency for the media to exaggerate. So, is the current stock market “crisis” real - or just a soap opera? And, if the “crisis” has substance, should it cause concern for retirement plan invest…

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03

Jan 2019

Why I No Longer Make New Year’s Resolutions

In a sea of retirement and other savings-related articles about 2019 New Year’s resolutions, you won’t find one from me. Why? Because I hardly ever keep my resolutions, due to the fact that most require concrete actions, and inertia tends to take hold when I get busy. So what did I do instead? When…

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20

Dec 2018

Employee Financial Concerns: How Retirement Plan Sponsors Can Help

Employees have a variety of reasons for why they cannot afford to save (or save more) into their employer’s retirement plan. From student loan and credit card debt, to healthcare costs, there are many obstacles for today’s employees. However, many of these employees can, in fact, afford to save! So…

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06

Dec 2018

The Proposed Hardship Distribution Regulations: Some Misconceptions

The proposed hardship regulations were issued less than a month ago, but there already appears to be a lot of misunderstanding among plan sponsors and those who work with them. Based on the numerous questions we’ve received these past few weeks, it appears that the biggest misconceptions are as fol…

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