November 25, 2020
Savings Shortfall: 41% Worry They Won’t Have Enough to Retire
If you are worried you will not have enough saved for your retirement, you are not alone, a major new study has found.
October 23, 2020
How Trump’s Second-Term Tax Ideas Could Impact Investors
Retirement Director Ben Rizzuto discusses these ideas and what investors should consider from a tax planning perspective if Trump gains a second term.
October 20, 2020
When to Take Social Security Benefits
The precise Social Security benefit you will be entitled to will vary based on a number of factors such as years worked, income level, etc.
October 16, 2020
The Retirement Income Puzzle
October 15, 2020
Blind Spots in the Retirement Space
Nate Miles, Head of Retirement at Wells Fargo Asset Management, reveals three retirement blind spots that he and his team have noticed in conversations with defined contribution plan sponsors, their consultants, and advisors.
October 9, 2020
The Math for Retirement Income Keeps Getting Worse
October 2, 2020
Aligning Pension Fund Equity Investments with the UN Sustainable Development Goals
In this Q&A, Pensioenfunds Detailhandel’s, one of Netherlands largest pension funds with €28 billion in AUM, head of investments Henk Groot explains how the Dutch pension fund married the SDGs to its return objectives.
September 23, 2020
What “Equalizing” Retirement Contributions Could Mean for Investors
Retirement and wealth strategies expert Matt Sommer digs deeper into the Joe Biden tax plan with a synopsis of the plan’s proposal to equalize tax treatment for retirement plan contributions.
September 11, 2020
What to Do If You Don’t Have a 401(k)
Evaluating the best options for tax-efficient–and automatic–savings outside of a company retirement plan.
September 2, 2020
The Four Levels of Income
By John Rekenthaler’s count, there are four primary varieties of “income”. They are growth, presevation, erosion, and exit.
August 21, 2020
Dollar-Cost Averaging: A Formula for Consistent Investing
Many younger investors may be financially unable – or emotionally unready – to invest large sums of money in the market all at once. Retirement Director Ben Rizzuto explains how dollar-cost averaging can provide a useful approach.
August 5, 2020
Do 401(k) Plans Still Make Sense?
Do 401(k) Plans Still Make Sense? Yes, but perhaps the system requires additional support.
July 23, 2020
Advice for Unexpected COVID Retirees
July 7, 2020
IRS Provides Relief to All Who Have Taken RMDs in 2020
Retirement Director Ben Rizzuto explains how the recently introduced IRS Notice 2020-15 provides relief for these individuals by allowing them to roll the funds back into a retirement account.
June 26, 2020
Don’t Blame Retail Investors for Stocks’ Volatility
A longtime adage among fund providers is that retail investors are more desirable than institutions, as not only will retail investors pay higher fees, but they also provide relatively “sticky” assets that will stay with funds through long periods of mediocre performance. Once again, everyday shareholders are heterogeneous.
June 19, 2020
Private Equity in 401(k) Plans: More Smoke Than Fire
To my surprise, private equity fund executives convinced the Department of Labor to issue a letter, dated June 3, 2020, approving the use of private equity investments within 401(k) plans. If the private equity funds are selected judiciously and used appropriately, wrote the Department, plan sponsors will not “violate the fiduciary’s duties under section 403 and 404 of ERISA.”
June 11, 2020
How State and Local Taxes Affect Your Retirement Plan
With state and local budgets under pressure because of the coronavirus, taxes from these entities may become a front-burner issue if they’re not already.
June 4, 2020
What to Do When Your Employer Cuts 401(K) Matching Funds
401(k) matching is often one of the first things on the chopping block, and the 401(k) matching rules are clear. Unless the matching is part of a union contract, companies have the right to slash or eliminate matching, even mid year. This applies to both traditional 01k plans and the safe harbor 401(k) plans more popular with small businesses.
May 27, 2020
Building Resilience: What It Means for Retirement Savings
As the economic fallout from COVID-19 threatens peoples’ livelihoods and erodes their short-term savings, it follows that their long-term financial security is also at-risk. What does it all mean for retirement savings and what steps can we take to build a more resilient system?
May 5, 2020
Should I Open A Roth IRA Right Now?
The Roth IRA — its cousin being the Roth 401(k) — can be thought of as the mirror image of the traditional IRA or 401(k) plan.
April 30, 2020
Retirement Planning In The Midst of a Pandemic
The CARES Act waives RMD requirements for this year. So, if you don’t need to take an RMD this year because you have liquid savings in a bank account or regular taxable brokerage account you can live on, it’s really better if you don’t.
April 21, 2020
Missing the Recovery? How to Get Back In
If you’re near or in retirement, it might be closer to 50%. Figure out what sounds right for you, and set that as your baseline. You don’t have to get there tomorrow. But, in my opinion, this at least gets you a road map.
April 9, 2020
Value in the REIT Wreck
The Vanguard Real Estate Index ETF (VNQ), a popular way to track the sector as a whole, was down 44% at the lows. That’s bad, but individual stories get so much worse.
April 3, 2020
Five (Easy) Steps to Setting Up a 401(k)
Have you been meaning to enroll in your company’s 401(k) but keep putting it off? You’re not alone. Many people need a friendly nudge to start saving or increase their savings rate.
April 3, 2020
How the CARES Act Impacts Retirement Plans
Ben Rizzuto outlines some of the key retirement-related provisions included in the recently passed CARES Act stimulus package, including changes to plan distribution requirements and a temporary waiver of required minimum distributions.
April 2, 2020
What the $2 Trillion Stimulus Bill May Mean for Retirements
This conversation will highlight key aspects of the recently passed $2 trillion stimulus package and more. What do they mean to investors?
March 27, 2020
Congress to Help Retirees Cope With Market Downturn
Stimulus bill includes provision that suspends required minimum distributions for retirement accounts.Congress will soon pass a major relief bill to help workers, retirees, and businesses cope with the coronavirus-caused economic slowdown.
March 27, 2020
