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Library » Small Business Retirement Plans and Recent Tax Reform
August 17, 2018 | Retirement Plans
With the passing of the Tax Cuts and Jobs Act (TCJA) in December of 2017, business owners may be asking how it might impact a currently sponsored qualified retirement plan, or they may be considering adopting one for the first time. In fact, one of the new tax deductions under TCJA may result in …
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All AudiencesLibrary » Avoiding the Bull Market Glide Trap: Is Your Plan’s Target Date Solution Taking Too Much Risk?
May 23, 2018 | Retirement Plans
It’s been over a decade since the Department of Labor (DOL) issued guidance on Qualified Default Investment Alternatives (QDIAs). Target date funds (TDFs) quickly became the favored QDIA choice for their ease of use and ability to help address well established participant behavioral challenges. …
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Financial Advisors
Library » Converge: Using HSAs and FSAs Can Lead to a Healthier Wallet
May 22, 2018 | Retirement Plans
While there is no shortage of strategies to consider, Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are two vehicles that can help individuals pay for their medical costs. With annual health care expenses coming in at more than $10,000 per person on average, understanding …
Library » Converge, Volume 16: Are you falling in the “average participant” trap?
January 31, 2018 | Retirement Plans
Behavioral finance helped retirement experts understand that everyone, including participants, sometimes behave irrationally. Investment practices is one of the best examples. Most people fear loss more than they delight in gain—and as a result, they invest too conservatively even though they …
Library » Converge, Volume 16: Three Reasons Plan Sponsors are Considering CITs – or Should Be
January 31, 2018 | Retirement Plans
In a recent survey of retirement plan sponsors and advisors, Manning & Napier found 60% of employers would consider offering a Collective Investment Trust (CIT) or other alternative investment vehicle to a mutual fund if it has the same objective, but lower fees in order to reduce their …
Library » Converge, Volume 15: Fiduciaries: “Can someone just tell me what to do?”
September 13, 2017 | Retirement Plans
Eight of ten employers say they’re concerned about an increase in fiduciary litigation. And more than a quarter listed fiduciary liability and litigation as their top 401(k) concern. Employers’ concern is understandable. Although most employers would confidently say they have the best …
Library » Converge, Volume 15: 3 Ways Participants are Driving a New Era of Menu Design
September 13, 2017 | Retirement Plans
The industry has put immense effort into introducing new participants to retirement education and help preparing resources to assist in participants’ long-term needs. While the effort on behalf of those participants can and should continue to be a large focus, there needs to be an additional …
Library » Webinar: New Era Menu Design
July 27, 2017 | Retirement Plans
Behavioral insights have helped 401(k) fiduciaries design plans and select investment defaults that best meet the needs of the majority of participants. With new fiduciary scrutiny, an increase in litigation, and a potential shift in participant behaviors, we are entering a new …
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Financial AdvisorsLibrary » Webinar: Accumulating Assets in IRAs
July 13, 2017 | Retirement Plans
Now more than ever, investors need guidance in making investment decisions with their IRA rollovers. We offer investment solution ideas built for these challenging times as well as discuss best practices regarding fiduciary concerns when it comes to capturing your share of the $7.3 …
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Financial AdvisorsLibrary » Converge, Volume 14: Healthcare Reform Makes HSA Education Imperative
June 08, 2017 | Retirement Plans
We are staring down a healthcare landscape set to look dramatically different under the Trump Administration than it did in Obama’s America. Although the American Health Care Act (AHCA) did not initially pass, a revised version was voted on and passed by the House of Representatives on May 4, 20 …