Retirement/Education/Personal Finance

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  • Why employees undervalue equity awards and how to fix it

    October 20, 2014

    With companies granting over $110 billion in equity each year to employees, the stakes are very high for employers to demonstrate a strong return on investment from their equity compensation plans. And yet, there appears to be a disconnect in how these companies and their employees perceive equity awards.


  • Post-PPA: What’s in store for plan sponsors

    October 15, 2014

    The Pension Protection Act of 2006 has helped to reduce costs and limit liabilities for multiemployer plans. But the landmark legislation will sunset at the end of the year, which has many stakeholders and consultants predicting future retirement uncertainty for the more than 10 million participants in multiemployer plans across the nation.


  • Edison case raises concerns about ERISA statute of limitation protections

    October 3, 2014

    The United States Supreme Court has agreed to hear Tibble v. Edison International, a case in which the plaintiffs contend their ERISA plan fiduciaries breached their duty of prudence by offering higher-cost retail-class mutual funds to 401(k) plan participants, even though identical lower-cost institutional-class mutual funds were available.


  • Why retirement plan fiduciaries need to be more engaged

    October 2, 2014

    With more confusion swirling in the employer 401(k) market – not to mention an American workforce with staggeringly low retirement confidence – advisers and consultants recommend employers play a bigger role as a fiduciary when considering administration fees and investment education.


  • How to reassure retirement plan participants in light of PIMCO moves

    September 30, 2014

    Commentary: On Friday, September 26, Bill Gross, the portfolio manager of the PIMCO Total Return Bond Fund, left the company for another job. Many financial advisers, including me, believe that his departure is a positive for the Fund and PIMCO. Why is this important to you as a retirement plan sponsor?


  • American Benefits Council releases slew of regulatory recommendations in 2020 plan

    September 23, 2014

    The American Benefits Council has introduced its strategic plans for health and retirement policy, providing 46 specific regulatory recommendations for Congress to consider in easing the burdens on employees, employers and government agencies.


  • 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.



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