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Monday, September 20, 2021

When was the last time you reviewed your retirement plan - 5 years ago, 3 years ago? If it has been over a year, it may be time to benchmark your retirement plan, but it doesn’t have to be a chore this time around. After your...

Monday, September 6, 2021

Your employees may have questions about one of the first decisions they will need to make – do they want to contribute to a Roth 401(k) or Traditional 401(k)? No matter how you slice it, taxes, income brackets and contribution...

Monday, August 23, 2021

For the millions of business owners that offer a workplace retirement plan, the COVID-19 pandemic created many financial difficulties. However, as the economic climate improves, there is an opportunity for employers to refresh their...

Monday, August 16, 2021

Help your employees save with a plan that fits your unique organization! Each type of retirement plan comes with its own set of features and tax advantage strategies for employees and employers. Knowing the different types of workplace...

Monday, August 2, 2021

Just ask anyone: Uncle Sam and the retirement industry love acronyms. Another was added in December 2020—PEP—which conveniently rhymes with MEP and SEP. The three plan types are 401(k) cousins[1] meaning they share many...

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Monday, July 26, 2021

The CARES Act gave plan participants quick access to funds during the COVID crisis, although only about 6% of participants took advantage of the options offered.[1] However, as a plan sponsor you must understand your own obligations...

Monday, July 12, 2021

As the first half of the year phases out, it’s time to focus on measuring and begin strategic planning for your retirement plan. There’s a lot of new items on the agenda this year, from the CARES Act rules for repayment of...

Monday, June 21, 2021

Each of your employees is unique with their own individual lifestyle path. That said, your employees need guidance to make smarter decisions about their money so they can learn not only how to save today but how to build wealth for the...

Monday, June 7, 2021

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Monday, May 24, 2021

The global pandemic has had a staggering effect on the economic lives of millions, driving them to actions that could have long-lasting effects on their retirement savings. Facing unprecedented strain caused by the COVID-19 crisis,...

Monday, May 17, 2021

When employees are financially stressed, they spend three or more hours a week – approximately 150 hours per year – worrying about personal finances or dealing with them at work.[1] A financial wellness program is a soft...

Monday, May 3, 2021

Many American workers struggled financially before the COVID-19 pandemic. Therefore, it isn’t surprising that this crisis could greatly hinder their ability to reach their retirement income goals. Indeed, more than three-quarters...

Monday, April 26, 2021

Employees are worried about their finances. They worry about them in the evenings, on weekends and during working hours. Plus, with the increased stress caused by the pandemic, it’s no secret your workforce could use some help....

Monday, April 12, 2021

We are excited to welcome Q2 with the theme of Financial Wellness! This quarter, we are going to touch on some important topics that impact your bottom line and the financial health of your employees. Read the Newsletter

Wednesday, March 3, 2021

If you sponsor a company retirement plan as a benefit for your employees, you may be required to maintain a type of insurance called a “fidelity bond.” The purpose of a fidelity bond, also known as a “surety bond...

Monday, March 1, 2021

One of the most common goals for a 401(k) plan is to provide a savings vehicle for the company’s owner and their employees. However, one problem—the IRS caps the amount of annual contributions participants can make. For...

Tuesday, November 3, 2020

The IRS has announced cost of living adjustments affecting dollar limitations for pension plans and other retirement-related items for tax year 2020. For company retirement plans, the most recognized highlights include: The following...

Wednesday, October 7, 2020

Turbulent times can bring turbulent markets. Many factors cause chaotic swings in the investing world including housing bubbles, political elections, international instability, and as we have seen recently, a global health pandemic....

Wednesday, October 7, 2020

The average person has 12 jobs during the course of their career.[1] That’s a lot of jobs — and a lot of 401(k) accounts! Around 25 million Americans have left money behind in an old 401(k) when leaving a job.[2] It’s...

Monday, October 5, 2020

With 2021 approaching fast, it’s time to start thinking about end-of-year initiatives to thrive in the “new normal” and keep your company’s retirement plan on track. Our newsletter covers strategic topics such...

Monday, October 5, 2020

If you have terminated participants with balances in your 401(k) plan, some of whom you can’t locate, you’re not alone; missing participants are an industry-wide problem. What is a missing participant? A missing participant...

Monday, October 5, 2020

As a plan fiduciary, you are responsible for your keeping track of former employees with account balances, a.k.a. missing participants. The DOL and IRS are paying more attention to plan sponsors’ efforts to identify and locate...

Monday, October 5, 2020

You likely recognize the importance of seeing your doctor for an annual physical to keep your health in tip-top shape, or taking your car in for routine maintenance to keep it running like new. But what about checking the health of...

Monday, October 5, 2020

Turbulent times can bring turbulent stock markets, leaving your employees worried! Market downturns, as we know, are a part of any investing life cycle and experts agree it is best to stay invested. Encouraging your participants to...

Tuesday, July 28, 2020

The first half of this year has been like nothing we have ever seen before --from record high employment to record unemployment, stimulus packages, the CARES Act, and of course the pandemic itself! As a plan sponsor, you have been...

Tuesday, July 28, 2020

A good total rewards program helps you attract and retain the best possible talent for your organization. Add a great workplace culture and environment and you could be on your way to becoming an employer of choice among job-seekers....

Tuesday, July 28, 2020

The COVID-19 pandemic has undoubtedly shaken our economy to the core. Many businesses have struggled to keep their doors open which has caused unemployment claims to soar. Record unemployment, coupled with a U.S. society that has an...

Tuesday, July 28, 2020

Offering a retirement plan shows your employees that you are committed to helping them save for their future. A matching formula is a great way to give a little bit more to your employees and increase contributions! There are many...

Tuesday, July 28, 2020

By choosing to offer your employees a 401(k) plan, you’re sending a powerful message — that you’re invested in their future and committed to helping them work towards financial security in their retirement. As a...

Tuesday, July 28, 2020

It is normal for working Americans to experience some form of financial hardship. When employees have proper financial wellness education, they can develop the mindset to see the long-term impact of their savings decisions. It all...

Tuesday, July 28, 2020

COVID-19 has brought many updates, changes, and challenges, and we know the stress this can place on a plan sponsor. While things are constantly changing, one thing remains the same – your status as a fiduciary. Your...