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Retirement Times

September 2021: When It Comes to Financial Wellness... The Time Is Now

September 2021: When It Comes to Financial Wellness... The Time Is Now

While one could say it’s always a good idea to focus on well-being of any type — whether that’s physical, mental, or financial wellness — there’s perhaps never been a more important time to help employees improve their financial literacy, behaviors, and resilience than right now.

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Retirement Times - August 2021 -Generational Influences and Behavioral Finance

Retirement Times - August 2021 -Generational Influences and Behavioral Finance

Understanding generational attitudes toward investing and the cognitive biases that can lead participants astray is key to helping employees of all ages improve their financial wellness and prepare for a secure and successful retirement.

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Retirement Times - July 2021 - Bitcoin: Coming to a 401(k) Plan Near You?

Retirement Times - July 2021 - Bitcoin: Coming to a 401(k) Plan Near You?

Our 2018 report on Bitcoin (BTC), and the conclusions therefrom, remain relevant today. In short, the prudence in adding Bitcoin to a retirement plan is questionable, at best.

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Retirement Times - June 2021 - The status on allowing 401(k) match for student loan payments

Retirement Times - June 2021 - The status on allowing 401(k) match for student loan payments

A newly proposed Senate bill by Senate Finance Chairman Ron Wyden, would enable participants to continue saving for retirement while repaying their student debt.

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Retirement Times - May 2021 - ERISA Definitions and Financial Designations

Retirement Times - May 2021 - ERISA Definitions and Financial Designations

Plan sponsors and retirement plan committees are likely to encounter a myriad of industry-related naming devices and designations. It is important that they understand what each means in terms of definition, background, and practical impact/importance to the plan, the plan’s fiduciaries, and the plan’s participants.

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Retirement Times - April 2021 - Plan Tax Credit Summary

Retirement Times - April 2021 - Plan Tax Credit Summary

Eligible employers may be able to claim a tax credit of up to $5,000, for three years, for the ordinary and necessary costs of starting a SEP, SIMPLE IRA or qualified plan (like a 401(k) plan).

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Retirement Times - March 2021 - The Case for Investment Refresh

Retirement Times - March 2021 - The Case for Investment Refresh

Investment refresh is an optional extension to automatic enrollment

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Retirement Times - February 2021 - Continuity, Coronavirus, ERISA, Stimulus Package

Retirement Times - February 2021 - Continuity, Coronavirus, ERISA, Stimulus Package

The coronavirus relief includes a “temporary rule preventing partial plan terminations” for plan sponsors of defined contribution retirement plans.

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Retirement Times - January 2021 Advisory Services

Retirement Times - January 2021 Advisory Services

Department of Labor (DOL) enforcement recoveries are on the rise. A recent DOL report indicates that DOL recoveries have doubled since 2018 and tripled since 2016.

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Retirement Times - December Post Election Commentary

Retirement Times - December Post Election Commentary

Stock markets abhor uncertainty. Currently, investment prognosticators are interpreting the election results to create a relatively “stagnant” legislative environment.

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Retirement Times - November 2020 Election Year Investment Volatility 

Retirement Times - November 2020 Election Year Investment Volatility 

Election years, with their uncertainty and increased emotions, cause anxiety for investors. Certainly, there may be short-term market volatility around elections, but history suggests that over the long-term the economy and markets move higher regardless of election outcomes.

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Retirement Times - October 2020 To Roth or not to Roth

Retirement Times - October 2020 To Roth or not to Roth

Many Defined Contribution retirement plan participants are uncertain as to benefits of allocating their contributions to traditional vs Roth options. This is for good reason. There are two key major determiners as to the benefit of contribution to Roth:

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Retirement Times - August 2020 It’s That Time Again! Back-to-School for Fiduciaries

Retirement Times - August 2020 It’s That Time Again! Back-to-School for Fiduciaries

Can you hear the bells ringing? It’s that time of year to review your to-do list of fiduciary responsibilities. Ask yourself the following questions to make sure you are on top of your responsibilities and liabilities.

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Retirement Times - July 2020<br />Are Your Participants Experiencing a Fee Imbalance?

Retirement Times - July 2020
Are Your Participants Experiencing a Fee Imbalance?

Subsequent to the 2012 implementation of ERISA fee reporting regulations (ERISA 408(b)(2) & 404(a)(5)), the Department of Labor (DOL) began to consider the appropriateness of the allocation of plan fees among participants.

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