Retirement Plan Differences

Retirement plan accounts such as IRAs, qualified pension, or 401k Plans, all enable participants to grow money tax deferred. Yet distribution options, protection from creditors, beneficiary designations, and contribution limits can vary significantly by Plan type. The...

Managing Your Fiduciary Liability

There are 4 key areas for plan sponsors to understand that will help you manage your fiduciary liability with confidence. Excessive Plan Fees Selecting Imprudent Investments Failing to Follow Plan Document Terms Late Participant Contributions Excessive Fees In the...

The DOL Rule Goes Live

In case you missed it while you were busy with your daily duties, the DOL Rule (aka Conflict of Interest Rule) went live on June 9th. It only took 7 years to draft, craft, and compromise against fierce resistance from lobbyists, politicians, and financial...

Fiduciary Roles and Your 401k Plan

Small business owners, their trustees, administrators, and human resource professionals seldom have the time and resources to understand the full range of fiduciary roles, risks, and responsibilities associated with managing a 401K Plan. It’s somewhat perverse in that...

Social Security Fixes Coming

Social security fixes will be required as demographics (aging Baby Boomers) pressure the system. The nature of the fixes remains to be seen. Various options include: means testing, increasing retirement age, and reducing benefits. The Secret Fix The first...

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