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Retirement Plan Consulting

Image for Participant Corner: How Much Do You Know About Target Date Funds?
October 8, 2024
Retirement Plan Consulting

Participant Corner: How Much Do You Know About Target Date Funds?

The average person is likely unfamiliar with the term “TDF” however it is the most utilized and fastest-growing investment option in an employer-sponsored retirement plan. As a plan participant, it is essential to know what you are investing in.
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Image for The Road to 15%: Helping Participants Navigate Toward Retirement Readiness
October 8, 2024
Retirement Plan Consulting

The Road to 15%: Helping Participants Navigate Toward Retirement Readiness

Many advisors recommend saving 15% of pre-tax earnings, including any employer match, to prepare for a secure retirement — but to accomplish this, timing is crucial.
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Image for IRS Issues Guidance on Student Loan Matching
October 8, 2024
Retirement Plan Consulting

IRS Issues Guidance on Student Loan Matching

Thirty percent of adults in the U.S. report having received a student loan to further their education. According to the Federal Reserve, the median student loan debt for those with outstanding balances in 2023 ranged between $20,000 and $25,000.
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Image for A Fiduciary Focus on Forfeitures
October 8, 2024
Retirement Plan Consulting

A Fiduciary Focus on Forfeitures

Roughly a year ago, a pair of attorneys located in Pasadena, California launched the first of what would become a series of lawsuits targeting the use of plan forfeitures to offset employer contributions as a breach of fiduciary duty.
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Image for Participant Corner: Pop Quiz: How Much Do you Know About Your Retirement Plan?
July 9, 2024
Retirement Plan Consulting

Participant Corner: Pop Quiz: How Much Do you Know About Your Retirement Plan?

Many people often find that they know far less about their retirement plan than they thought. Test yourself with the quiz below and see how much you know about your financial future.
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Image for Cybersecurity and How to Deal with Data Breaches as a Plan Sponsor
July 9, 2024
Retirement Plan Consulting

Cybersecurity and How to Deal with Data Breaches as a Plan Sponsor

Retirement funds are a target for cybersecurity attacks and identity fraud more than ever before. For most people, their retirement account is one of their biggest assets and they rarely check it. This makes these accounts a prime target for cybercriminals.
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Image for When It Comes to 401(k) Beneficiaries, Where There’s a Will There Isn’t Necessarily a Way
July 9, 2024
Retirement Plan Consulting

When It Comes to 401(k) Beneficiaries, Where There’s a Will There Isn't Necessarily a Way

Beneficiary designations are a critical yet often neglected aspect of retirement plans. Many participants mistakenly believe that their retirement plan assets will be distributed according to their will or trust. However, retirement accounts are governed by their own rules, meaning the named beneficiary on the account will typically inherit the funds, regardless of other estate planning documents.
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Image for Retirement Plan Safe Harbors
July 9, 2024
Retirement Plan Consulting

Retirement Plan Safe Harbors

Do you ever hear the term “safe harbor” thrown around in a lot of different contexts, but you aren’t sure what it means? If that’s the case, you aren’t alone. The term safe harbor comes up a lot with retirement plans. Congress created safe harbors to make plan sponsors feel “safe” and relieved from liability, but sometimes it requires a reminder to recall what these safe harbors really are.
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Image for Participant Corner: Strategies for Maximizing Workplace Retirement Benefits
April 11, 2024
Retirement Plan Consulting

Participant Corner: Strategies for Maximizing Workplace Retirement Benefits

Considering that more than 40% of employers now match employee contributions to retirement plans, taking advantage of this opportunity is crucial for improving your financial security. Even if your employer's contribution is modest, neglecting to participate means leaving money on the table.
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Image for Beyond Compliance: Make Every Comm Count
April 11, 2024
Retirement Plan Consulting

Beyond Compliance: Make Every Comm Count

Effective retirement plan communications do more than just meet DOL requirements; the best ones engage, educate, motivate, and empower participants. Optimize your communications to connect with employees on a personal level, encourage informed decisions, and foster more active engagement with their retirement plan and their financial future.
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