Retirement/Education/Personal Finance

  • Employer-offered financial literacy could provide boon in employee productivity

    September 19, 2014

    Offering financial education can provide a big boost to employee productivity, allowing employees to solve financial dilemmas and refocus on work.

  • 5 tips to make retirement education meaningful

    September 18, 2014

    Through the use of education and communication, employers and benefit advisers can have a huge impact on their employees’ retirement readiness. Making that education meaningful, however, is key to employee engagement and understanding. Here are five tips from Grinkmeyer Leonard Financial and investment advisers with Commonwealth Financial Network on how to make retirement education meaningful.

  • The nasty surprises behind 401(k) group annuities

    September 17, 2014

    Group annuities are common among 401(k)s because they appear to be cost effective, turnkey options. However, careful due diligence will reveal they are big aggressors when it comes to fees that hinder portfolio growth.

  • American retirement policy shifts to tax incentives

    September 16, 2014

    Despite great strides in retirement security, some lawmakers and benefit leaders see an opportunity to revisit tax policies that could help incentivize all Americans to save more as they plan their exits from the workforce.

  • 4 red flags may indicate social media investing scams

    September 16, 2014

    A recent alert from the Securities and Exchange Commission emphasized how easily and quickly false information can be spread via social media by market manipulators who may be posing as legitimate or trusted sources of information. Plan sponsors may want to communicate this information to their 401(k) plan participants.

  • Harkin's ERISA bill could bank employers millions

    September 12, 2014

    A new Senate bill calling for an amendment to a controversial section of the Employee Retirement Income Security Act is expected to save employers and plan sponsors $15 million over the next decade, according to new estimates.

  • 5 top overseas retirement destinations

    September 11, 2014

    Global correspondents for retirement travel site Live and Invest Overseas have picked some of the top retirement destinations for its 2014 Retire Overseas Index, which takes into consideration everything from climate to the cost of living to health care and taxes. Here are some of their top picks.

  • 3 steps to take when reviewing fee disclosures

    September 9, 2014

    Commentary: Open enrollment time means employer clients will be reviewing fee disclosures. Columnist John Ludwig discusses several steps plan sponsors should take when reviewing the disclosures for accuracy and to determine if fees are fair and reasonable.

  • NFLPA works to prepare players financially for life after the game

    September 9, 2014

    Since joining the NFL Players Association 25 years ago, Dana Hammonds has launched a successful financial education program and constantly fine-tuned educational topics and outreach to meet players’ needs. She is the recipient of EBN’s 2014 Benny Award for Leadership in Retirement Planning.

  • 4 ways your 401(k) participants can save more

    September 9, 2014

    Many studies indicate that workers should save at least 12% to 15% of their income each year. It is likely that most 401(k) plan participants are not saving anything near this amount.

  • Target-date funds reveal shift in retirement adviser value proposition

    September 8, 2014

    Target-date funds continue to increase in popularity among investors as low-cost retirement vehicles, at the same time the Internet and increased benchmarking have made the retirement industry more transparent than ever.

  • 10 worst places to retire

    September 7, 2014

    According to research, these 10 cities ranked as the worst places to retire based on five key dimensions — affordability, jobs, activities, quality of life, health care — and a variety of metrics, including cost of living, job prospects for those over age 65 and the availability of recreational activities.

  • Top 10 cities to retire in

    September 4, 2014

    Are your employees looking to retire somewhere cheap, or will an abundance of recreational activities or access to high quality health care be more important to them? ranked the 10 best places to retire using five key dimensions -- affordability, jobs, activities, quality of life, health care -- and a variety of metrics, including cost of living, job prospects for those over age 65 and the availability of recreational activities.

  • Employer, financial adviser partnerships key to growing life insurance market

    September 2, 2014

    New data reveals only 46% of middle-market consumers have individual life insurance, and that more than three quarters of consumers age 25-64 say they would benefit from more close guidance from financial services professionals in adding that important voluntary benefit.

  • 5 factors to help employees target their retirement savings goals

    August 28, 2014

    With such a wide range of opinions about how much money employees need to save for retirement – estimates vary from eight to 25 times final pay – it can be hard for participants to know what to aim for.

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