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October 02, 2014 | Retirement Plans
Introduction It is no secret that health care costs have ranked among the top concerns of employers for much of the last decade. There is good reason for this concern. Health care costs have outpaced inflation for years, and employers often bear the brunt of these costs, straining limited …
September 11, 2014 | Retirement Plans
As health care spending has grown to represent a larger portion of the overall economy, and in turn a larger portion of employers’ and employees’ budgets, the wealth effects of health spending have become clear. For employers, plan design strategies have been converging as health and retirement …
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Financial AdvisorsJune 05, 2014 | Retirement Plans
Introduction The provisions of the Pension Protection Act (PPA) of 2006 defined target date funds as one of three types of qualified default investment alternatives (QDIA) for use in qualified retirement plans. While the final regulations require plan fiduciaries to meet several technical and …
May 20, 2014 | Retirement Plans
Before adopting a qualified plan, an employer should first understand the various types of plans available, so that a plan that best meets the employer’s goals and objectives can be chosen. Qualified plans come in two basic flavors: Defined Contribution (DC) Plans and Defined Benefit (DB) Plans. …
May 12, 2014 | Retirement Plans
Introduction Given the variety of target date options available in the marketplace today, how does a plan fiduciary determine which family is right for a specific plan? When evaluating target date options, it is important to keep in mind that quantitative factors play an important role. However, …
May 09, 2014 | Retirement Plans
As health care spending has grown to represent a larger portion of the overall economy, and in turn a larger portion of employers’ and employees’ budgets, the financial impacts of out-of-control health spending have become clear. Health care premiums for a family have increased 80% in the last …
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Financial AdvisorsMay 09, 2014 | Retirement Plans
Defined contribution concepts are commonplace in retirement plan circles. The model is familiar: employers and employees contribute definite amounts of money to the retirement plan, and at retirement, employees are entitled to receive their account balance, either in a lump sum or paid out over …
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Financial AdvisorsMarch 11, 2014 | Planning for Retirement
Introduction Traditional and Roth IRAs are two powerful tax-advantaged savings vehicles. While Roth IRAs were first established in 1997, historically low tax rates during the past decade and the ability of investors of all income levels to convert Traditional IRAs to Roth IRAs (since 2010) have …
March 05, 2014 | Retirement Plans
If asked to choose between plan success or failure, most plan sponsors would undoubtedly respond that they want their benefit plans to be successful. But how do you determine whether your plans are succeeding or failing? Most industry experts agree that plan failure means a poor return on your …
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Financial AdvisorsMarch 05, 2014 | Retirement Plans
In late November, 2013, the IRS issued final regulations for two new Medicare taxes that were included in the Affordable Care Act: a payroll tax (called the Additional Medicare Tax) and a tax on net investment income, or Net Investment Income Tax. Both taxes were effective for taxable years …
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