Retirement/Education/Personal Finance

  • Hybrid retirement plans offer pension-styled security

    July 28, 2014

    Many companies have frozen their defined benefit plans to new hires. Others have abandoned their pensions in favor of a 401(k) or other defined contribution plan. But not everyone is happy with DC plans because they often leave participants to fend for themselves when most have never had to make investment decisions.

  • Participant count common trip-up with Form 5500

    July 25, 2014

    With the Form 5500 deadline fast approaching, 401(k) plan sponsors should be aware of common mistakes that can easily occur when filing the form.

  • Be wary of withdrawal liability with certain pension funds

    PODCAST | July 25, 2014

    If any of your employer clients have pension funds associated with a union, benefits attorney Shaylor Steele of Benesch law firm in Cleveland says you should be aware of the issue of withdrawal liability. He explains it here and mentions three things your clients with this potential risk can do to mitigate concerns.

  • Auto features, education are ‘powerful’ retirement tools for cautious under-30 investors

    July 22, 2014

    Benefit advisers and their employer clients are in a unique position to help the newest members of the workforce overcome investment fears and prepare for retirement.

  • Drawdown strategies key in a financial secure retirement plan

    July 18, 2014

    Retirees should move beyond the long-held “4% Rule” and take into account the full range of financial opportunities and risks they could face going into the golden years.

  • 5 ways financial stress is hurting American employers

    July 18, 2014

    More than half of Americans are worried that they will not have enough money when they retire, while others are living paycheck-to-paycheck. Without a focused workforce, employee productivity takes a nosedive and absenteeism increases, according to a new FinFit survey. And the epidemic is not going away anytime soon, signaling a red flag for employers to embrace financial wellness solutions. Here are five indicators on how bad it has become and where to begin.

  • How employers can help women achieve long-term financial goals

    July 15, 2014

    Overall, employers have failed to move the dial on overall retirement confidence levels for their female workforce, despite that demographic’s dominance in handling their households’ day-to-day expenses.

  • The future of retirement plan advising

    July 15, 2014

    Learn about how technology can demonstrate the link between volatility and risk in retirement planning — a distinguishing factor from other advisers, according to columnist Craig Davidson.

  • Mercer provides continued engagement in health care, retirement education

    July 14, 2014

    Wellness and retirement educational tools are paramount in an ever-changing landscape of employee benefits, and Mercer has taken a unique approach in its newest endeavor, Mercer Benefits U.

  • It’s clean up season for retirement plans — do your clients know where to start?

    July 11, 2014

    Commentary: This fall will be a time for plan sponsors to take on additional decisions, as many prototypes sponsors are going through the process of getting their documents updated for the upcoming restatement process. While columnist John Ludwig says this is a necessary process for everyone, he shares decisions that plan sponsors should think about as they go through this process.

  • Same-sex families emerge as most financially prepared

    July 11, 2014

    When it comes to retirement savings, no family structure is apparently better prepared than same-sex couples without kids, who reported having $276,200 tucked away – the very model of successful workplace savers.

  • How to leverage ESOP uptick, despite increased scrutiny

    July 8, 2014

    A recent increase in formations of employee stock ownership plans, known as ESOPs, has put the spotlight on the combined employee benefit and small business management succession tool that has been in existence since 1956.

  • How advisers can spur higher retirement savings rates

    June 27, 2014

    According to one 401(k) expert’s poll, employees need to be saving 20% of their earnings for retirement. How they get there is where you come in.

  • 5 reasons 401(k) IRA rollovers are a bad idea

    June 24, 2014

    Many employees who change jobs choose to roll their 401(k) accounts into IRAs rather than leaving them in place or rolling them into their new employers 401(k) plan. Rolling a 401(k) account into an IRA is generally a really bad idea, for the following reasons.

  • Seek financial advice before tapping into 401(k) nest egg

    June 20, 2014

    In contradictory fashion, paying off debt was cited as the top reason for taking out a loan from retirement plan savings (46%), yet only 26% of respondents said paying off debt was a good reason to take out a loan.

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