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Plan advisors are well aware that one of their clients’ newest — not to mention most publicized and even controversial — demands is fee disclosure. To meet that demand, some advisors are going a step further. Investment News reports that some advisors are providing fee policy statements in addition... READ MORE
Some rays of sun appear to be dispelling the gloom that has long engulfed employees’ confidence in their ability to fund a comfortable retirement. The Employee Benefit Research Institute in its 2014 Retirement Confidence Survey (RCS) reports that more than half of employees are at least somewhat... READ MORE
Your clients offer 401(k) plans, and all have 401(k) plan committees. Those committees have fiduciary responsibility, and it’s in your clients’ interest to make sure they are fulfilling their duties. They can do that through meetings of those committees and quarterly reviews, our friends at the... READ MORE
Advisors can still play an important role in helping plan sponsors and participants manage an employee’s funds even after retirement, a new study by Vanguard suggests.The vast majority of retirees (90 percent) continue to preserve their savings in tax-deferred accounts — either individual... READ MORE
Offering participants too many options can discourage enrollment. But what’s the “sweet spot” in terms of the optimal number of enrollment options? A test by Fidelity found that 78 percent of participants preferred a three-part enrollment option — and that those who chose that option contributed... READ MORE
IRS guidance and a pointed reminder from an industry group illustrate the increased frequency and importance of rollovers, not to mention that they are piquing the interest of federal regulators and interest groups.  When a rollover takes place from a non-Roth balance to a Roth balance in a 401(k... READ MORE
More than 50 million employees in the United States participate in a 401(k) plan, and recent research shows strong employee interest in contributing part of one’s salary to achieve a comfortable retirement. Employers have a variety of features they can incorporate in the plans they offer, and they... READ MORE
Sometimes rules are made to be broken — even when they are long-standing and seem rock-solid. The 4 percent rule is one, and “Breaking the 4 Percent Rule,” a recent paper by J.P. Morgan makes the case for that. (The 4 percent rule advises retirees to withdraw 4 percent of their retirement account... READ MORE
Municipal bankruptcies like Detroit’s bring into sharp relief the effect such financial strains can have on pensions, as well as the effect of what local and state governments do. But there is good news — most states have taken steps to protect public-sector pensions. In fact, according to... READ MORE
Target date funds reflect that flexibility and engagement have become firmly entrenched aspects of retirement plan management for both participants and plan sponsors. In a NAPA webinar, “Target Date Trends and Evaluation,” T. Rowe Price’s Jerome A. Clark discussed how TDFs reflect greater... READ MORE
Is your pension plan fully funded? The answer is relevant to more than individual participants’ accounts, as Bob Collie posits in the Fiduciary Matters Blog. A plan’s funding level also affects how a plan’s assets are allocated and invested, as well as pension de-risking. Pension plans that are not... READ MORE
Saying that she is troubled by 401(k) providers that are circumventing the 408(b)(2) fee disclosure rule’s demands, EBSA’s Phyllis Borzi warned providers March 11 that they need to do a better job at following the rule’s requirements to provide information that is easy to understand. In a telephone... READ MORE
Speaker: Stephen W., Forbes, J.D., LL.M., SunGard         Click HERE to view the webcast outline! Or click HERE to view to a Safe Harbor cheat sheet from Stephen Forbes.Whether testing or designing a cross-tested plan, safe... READ MORE
Speaker: Mark K. Dunbar, MSPA, MAAA, President, Dunbar, Bender & Zapf, Inc. The webcast will analyze the requirements and options when utilizing cross-testing, including numerous case studies.Attendee Takeaways:Case Studies will be... READ MORE
Available through April 24, 2015 Speaker: Janice M. Wegesin, CPC, QPA, President, JMW Consulting, Inc. Most employee benefit plans require an annual Form 5500 filing.  This program will offer you the opportunity to ask questions as well as... READ MORE
Thursday, April 24, 20142:00 - 3:40 p.m. ETSpeaker: Janice M. Wegesin, CPC, QPA, President, JMW Consulting, Inc. Most employee benefit plans require an annual Form 5500 filing.  This program will offer you the opportunity to ask questions as well as:• ... READ MORE
Speaker: Robert M. Richter, J.D., LL.M. The use of automatic contributions arrangements (sometimes called automatic enrollment) is increasing. This webcast will focus on the rules applicable to EACAs, QACAs and ACAs. In addition, examples... READ MORE