Retirement/Education/Personal Finance

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  • 3 ways employee financial stress affects your company

    April 17, 2014

    With April being National Financial Literacy Month, it’s an ideal time for employers to encourage healthy financial habits among employees. According to a Harris poll, 44% of employees worry about personal finances while at work.


  • 6 investment menu best practices for 401(k) and 403(b) plans

    April 15, 2014

    How does your investment fund line-up compare to the market? Do you have too many investment options or too few? Regular blogger Robert C. Lawton outlines some best practices with regard to investment menus.


  • 8 best practices in 401(k) and 403(b) plan design

    April 8, 2014

    Wondering whether your plan design is still market competitive? Leading-edge 401(k) and 403(b) plans have the following plan design features in common.


  • Employees getting back on the 401(k) bandwagon

    April 3, 2014

    As hopeful evidence that a half-decade of retirement savings doldrums may finally be over, a new examination of employee 401(k) participation suggests workers are back on the savings path – and increasingly using HSAs as a new form of long-term financial planning.


  • 7 tips for women to take charge of their retirement

    April 2, 2014

    Lower salaries and longer life expectancies are two of several factors that put women at a greater risk for not achieving a financially secure retirement. In fact, only 7% of women are “very confident” in their ability to retire comfortably, according to the 14th annual Transamerica Retirement Survey of Workers. Here are a few ways advisers can help their employers ensure female employees are ready. [Images: Thinkstock]


  • Don’t let RMDs ruin your plan

    April 2, 2014

    Typically thought of as the employees’ responsibility, plan sponsors should actually facilitate all aspects of required minimum distributions – from alerting participants about them to activating the fund withdrawal.


  • Employers overwhelmingly favor fiduciary standard for plan providers, advisers

    April 1, 2014

    Current regulations don’t require a retirement plan provider’s investment advice be in the best interest of plan participants, but most employers want that to change, an AARP study finds.


  • Few plan sponsors evaluating retirement income replacement ratios

    April 1, 2014

    Fewer than a third of plan sponsors measure the effectiveness of their defined contribution plan’s investment offerings by evaluating if projected participant income replacement ratios are being met at retirement, finds a new poll from SEI.


  • DOL ponders more guidance on 401(k) brokerage account windows

    April 1, 2014

    Self-directed brokerage account windows in 401(k) plans have always been controversial. Recently the Department of Labor indicated it intends to provide additional guidance on the use of brokerage account windows. Experts believe it is likely to be unfavorable for proponents of brokerage windows for several reasons.


  • Avoiding the pitfalls of the fiduciary standard

    March 27, 2014

    For retirement plan advisers – and the plan administrator community – it remains more than a bit problematic to cope with the prospect of a new threshold of responsibility for the financial decisions of plan participants. Or, having their hands tied and only being able to offer extremely financial guidance, as the case may be.


  • Financial fears have many workers planning to delay retirement

    March 26, 2014

    Although U.S. workers on a whole are more satisfied with their current financial situation than in years past, most (58%) remain concerned about financial stability in retirement and say they plan to continue working until age 70 or later, a new Towers Watson survey shows.


  • How to cater to public entities

    March 24, 2014

    Commentary: Employer group waiver plans provide a solution for the struggling public sector


  • Retirement confidence rebounds from five-year lull

    March 18, 2014

    Retirement confidence among Americans regained some of the losses reported over the past five years – where approximately 18% are very confident and 37% are somewhat confident with the future financial needs – according to a new survey from the Employee Benefit Research Institute.


  • Why bitcoin doesn’t belong in your retirement plan

    March 18, 2014

    Both the Financial Industry Regulatory Authority and Dr. Nouriel Roubini, famed economist (also known as Dr. Doom) and a professor at New York University’s Stern School of Business, recently expressed unflattering opinions relative to the crypto-currency bitcoin.


  • How plan sponsors can help women achieve a secure retirement

    March 13, 2014

    Women face additional challenges when it comes to planning and saving for retirement. They often earn less than men and take more time out of the workforce over the course of their careers, which affects retirement plan eligibility and savings.



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