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Library » Narrowing In on the Right Approach

August 30, 2016 | Retirement Plans

Introduction One of the primary objectives that plan sponsors are tasked with is designing/implementing an investment menu that affords participants the greatest opportunity to achieve their retirement goals. While this seems like a relatively straightforward task, there is no one-size-fits-all …

James Esposito

Qualified Plans Consultant

Library » Regulatory FAQs: Cash Balance Plans

October 27, 2015 | Retirement Plans

Cash balance pension plans are growing in popularity, but I don’t know much about them. How is a cash balance plan different from a traditional defined benefit pension plan? It’s best to start this discussion with an illustration. If you were given a choice between the following two pension …

Library » Required Minimum Distributions from IRAs

August 24, 2015 | Retirement Plans

Introduction Many retirees have large IRAs that grow in value over years of saving and investing in qualified retirement plans. However, the government is seeking the tax revenue from lifetime earnings that have been deferred in IRAs throughout their working years. In order to collect tax …

Shelby George

Senior Vice President, Advisor Services

Library » Converge, Volume 5: Unlocking the Potential of HSAs

February 09, 2015 | Retirement Plans

More and more individuals cite health care costs in retirement as a top concern, and an area where they need help with planning. Advisors who have the tools to help navigate this complicated topic may be in a strong position to assist their clients with preparing for a secure retirement. In …

Library » Converge, Volume 5: Emerging Issues in Fiduciary Responsibility

February 09, 2015 | Retirement Plans

If you have ever heard anyone on your 401(k) investment committee assert, “You know, we can’t/won’t get sued for using [insert household name here] on our investment menu” - or if you have said this yourself -- read on. The spike in 401(k) plan-related litigation over the past few years should …

Library » Converge, Volume 4: Preparing for an Audit by the Department of Labor

December 10, 2014 | Retirement Plans

The Department of Labor (DOL) has recently stated that it intends to focus additional scrutiny on health plans in its auditing and enforcement programs. Some guidance was recently provided at the Annual Meeting of the International Foundation of Employee Benefit Plans in Boston. In particular, it …

Library » Roadmap to a Successful Tiered Investment Menu Design and Communication Program

December 04, 2014 | Retirement Plans

Introduction Since the beginning of 401(k) plans over 30 years ago, plan investment menus have seen many evolutions. The earliest plans typically offered just three investment options: a stock fund, a bond fund, and a cash equivalent fund. Options were valued infrequently and participants …


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