Guaranteed Income

The Oregon State Treasury is seeking the views of payroll providers and experts about OregonSaves, the state retirement plan that would provide coverage to employees whose employers do not offer a retirement plan, the self-employed, part-time employees and those who are not eligible for an employer... READ MORE

The Department of Labor’s (DOL) fiduciary rule, as well as other regulations and laws that affect and govern retirement plans, were part of the discussion at the U.S. Chamber of Commerce meeting on Feb. 3.“The Shifting Paradigm of Retirement,” a morning program in which speakers from the federal... READ MORE

Sure, you’ve spent a year getting ready for the fiduciary rule — but are you ready for this?Tax reform is the topic du jour in the nation’s capital. The headlines have been filled with promises from both President Trump and nearly every one of his cabinet appointees to do something about tax reform... READ MORE

House Ways & Means Committee Chairman Kevin Brady (R-Texas) says that Congress is “seeking ideas” on how to increase saving, including retirement saving. Brady made his remarks at the Financial Services Roundtable’s Jan. 25 meeting, “Breaking Down the Barriers to Financial Security,” held in... READ MORE

The most common DC match turns out to not be the one that participants were more likely to get, according to a new report.Altogether, the most common match rates for employee contributions (with various limits on the maximum employee contribution matched) were 50% and 100%, both used by about 37%... READ MORE

People often talk about the significance of the “free” money associated with the company match in retirement savings — but there’s another source of “free” money that is often overlooked.I’m talking about the so-called Saver’s Credit, more precisely the Retirement Savings Contributions Credit. It’s... READ MORE

The Treasury Department has blown out the candles on the first birthday cake for myRA, the retirement plan the federal government implemented in November 2015. The retirement toddler earned a mixed report card according to a recent report.According to 401kspecialistmag.com, myRA’s Treasury parent... READ MORE

Are workers who have a financial plan more likely to save, or are workers who save more likely to have a financial plan?A new study found that, regardless of their incomes, people who have a financial plan reported saving a median of 10% of their salaries toward retirement, while those without a... READ MORE

Automatic enrollment can be an effective, low-impact way to increase participation in employer-provided retirement plans — and, in the process, further the real, ultimate goal of boosting retirement readiness. But we were taught that every action has an equal and opposite reaction, and that maxim... READ MORE