Top of Mind


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14

Jun 2018

Retirement Jargon Confusion

As many of you are aware, there is a lot of retirement plan industry and legal jargon that is confusing not only to plan participants, but also to plan sponsors and those who work with them.  In fact, one of the goals for Top of Mind and our Twitter feed is to make retirement plans mo…

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07

Jun 2018

Takeaways from the “A Time for You” Redbook and MFS Event

Last week, I had the pleasure of watching my colleague Emily Wrightson participate in the Redbook/MFS “A Time for You” event.  And what a treat it was, hearing four women —three of whom work in the financial services industry, as well as the editorial director of Redbook magazine — …

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31

May 2018

Lessons Learned from Litigators

Last week, I had the pleasure of moderating a panel discussion at the Retirement Advisor Council Annual Meeting with two attorneys who have - and are - litigating some of the highest profile retirement plan lawsuits to date, Kai Richter of Nichols Kaster, on the plaintiffs’ side, and Brian Ortelere …

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24

May 2018

The Dirty Little Secret of Auto-Enrollment?

Generally, automatic enrollment has been a positive development for retirement plans, as it forces individuals who may not ordinarily save to do so at an important time - the commencement of their working careers. However, auto-enrollment is not a panacea. For example, it has negatively im…

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17

May 2018

Retirement Plan Account Balances: Big and Small

Advisors have a variety of tools at their disposal to determine the overall health of a plan sponsor’s retirement plan. However, there is a time-tested exercise that only takes about a minute to complete: review the current account balances of all the participants in the retirement plan and complete…

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03

May 2018

The 4% Withdrawal Rate: Is it Still the Rule of Thumb?

As baby boomers continue to age and more and more retirement plan participants approach retirement, plan sponsors need to move distribution planning from an afterthought to “Top of Mind” (yes, I know - don’t quit my day job!). It used to be a given that distribution planning for retirement was fa…

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26

Apr 2018

Earn More or Spend Less?

One issue that receives little attention from retirement plan sponsors is the capacity of their plan participants to save for retirement.  While there are some employees who don’t save for retirement for reasons other than financial capacity, most non-savers simply don’t have the capacity (or b…

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19

Apr 2018

Three Things to Think About Besides Retirement Plan Investments

Plan sponsors often have an unhealthy obsession with assembling the ideal array of plan investments. However, investment array selection, as well as the inherent agonizing over which funds to put on watch, which to replace, etc., should be relatively low on a plan sponsor’s list of priorities. Wh…

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12

Apr 2018

Fee Leveling, Simplified

In last week’s Top of Mind, we attempted to simplify the concept of revenue sharing in retirement plans. This week, I will attempt to build upon that by demystifying the even more elusive practice known as fee leveling.  What is fee leveling?  Last week, we explained how different …

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