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Brian Graff

Another presidential candidate has proposed to pay for a campaign promise with a tax on retirement savings.    U.S. senator and presidential candidate Kamala Harris (D-CA) announced July 29 that she would propose a financial transactions tax to pay for her “Medicare-for-all” proposal –... READ MORE
The Wall Street Journal’s editorial board has challenged a specific “pay for” provision in the SECURE Act. But they’re missing the big(ger) picture. One of the main reasons the SECURE Act passed the House of Representatives by the large margin of 417-3 was that, as the WSJ acknowledges, it was “... READ MORE
The mid-terms are over and the Democrats are taking back control of the House for the first time since 2010, while the GOP slightly expanded its hold on the Senate majority. Believe it or not, while the talk outside the Beltway has largely focused on the prospects for even more gridlock, the... READ MORE
ERISA was enacted to provide national protections for participants in employer-sponsored retirement plans – but proposed legislation would undermine those protections. A bill introduced in the Senate in July would create a new type of “open” multiple employer plan (MEP), an employee benefit plan... READ MORE
In the four decades since ERISA was passed into law, millions of Americans have entered and retired from the workforce. Plan designs of many shapes and sizes have come into being. Defined benefit plans dominated, then faded, after 401(k)s sprung out of an obscure section of the Internal Revenue... READ MORE
The 21st Century is nearly two decades old — so why are we still relying on 17th Century technology for critical participant communications?A generation ago, plan sponsors only had to worry about the annual delivery of a Summary Plan Description. Much has changed since then, but not the mandated... READ MORE
The November election was a shock to many people. Few anticipated the outcome, which created a political environment that is the most conducive to a comprehensive reform of the tax code since it last happened 30 years ago. Given this reality, a close examination of the Tax Reform Blueprint issued... READ MORE
A Joker is taking over Gotham City. Known as the New York City Nest Egg Plan, it is an ambitious attempt to close the retirement plan coverage gap for residents of the largest city in the United States. But instead of focusing squarely on the coverage issue — which remains a legitimate concern for... READ MORE
The 2016 general election is upon us, a knock-down, drag-out fight between two intensely polarizing figures — Hillary Rodham Clinton and Donald J. Trump — vying for votes among an increasingly polarized electorate.In this intensely partisan political atmosphere, it is easy for the topic of saving... READ MORE
Small business retirement plans are again under attack. Buried in a Treasury Department proposal to make it easier for large corporations to close their defined benefit plans to new entrants is a provision that will make it harder for small businesses to form new retirement plans or maintain their... READ MORE
November was a good month for those who believe that the government should take over the private retirement system.Since far too many Americans continue to lack access to a retirement plan at work, state governments have been legislating retirement policy in recent years to address this significant... READ MORE
This article originally appeared in the Fall 2015 issue of Plan Consultant. To view a PDF version of this article, please click here.There were four days of hearings on the Department of Labor’s proposed fiduciary rule and I kept on waiting… and watching… and waiting. But it never came up. And that... READ MORE
There were four days of hearings on the Department of Labor’s proposed fiduciary rule and I kept waiting… and watching… and waiting. But it never came up. And that surprised me.You see, I was fully expecting someone to ask these two questions: “What about individuals who actually want to be... READ MORE
Several months ago, ASPPA members overwhelmingly voted in favor of a new name and structure for the umbrella organization of our four sister associations — the American Retirement Association.  As such, the American Retirement Association steps into the role of coordinator, overall industry... READ MORE