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Tuesday, December 8, 2020

It’s been a hectic year. If you had to furlough or lay off employees, suspend your plan’s safe harbor status, or reduce your match, it’s a good time to revisit the impact on your plan’s 2020 nondiscrimination...

Tuesday, October 27, 2020

Missing participants are former employees who still have an active retirement plan account balance, and as a plan fiduciary, you’re responsible for them. The DOL and IRS are paying more attention to plan sponsors’ efforts...

Monday, October 19, 2020

In honor of National Retirement Security Month, we'd like to share 3 tips to help boost savings. Feel free to download and share this piece with your employees.

Wednesday, September 9, 2020

Employers recognize that financial stress is taking a toll on their workforce — and their bottom line. As such, growing numbers of companies are offering financial wellness as part of their employee benefits programs. Financial...

Tuesday, August 11, 2020

You’re probably pretty busy dealing with the impact of the coronavirus on your organization. But once we return to normal, you’ll be back to dealing with your core issues, like recruiting and retention. Recruiting and...

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Tuesday, July 14, 2020

Your employees have a lot on their minds these days. We’re in a year with multi-faceted, complex things happening: the COVID-19 crisis, economic instability, market volatility, and the largest civil rights discussion in half a...

Tuesday, June 9, 2020

Resilience noun the ability to be happy, successful, etc. again after something difficult or bad has happened. -Cambridge Dictionary Lately we’ve been thinking a lot about financial resilience: hopeful thoughts about the...

Tuesday, May 12, 2020

Remember when you were told somewhere along the way to save for a rainy day? Well, that day may be now for some of you reading. Just when things were smooth sailing, wham, you may have found yourself with a temporary salary reduction,...

Monday, April 20, 2020

As the world shifts to a work-from-home model, conference room meetings have moved to online video-calling apps. If you’re new to video conferencing, we’re here to help you out, here are 5 tips to help you connect with...

Friday, March 20, 2020

During times of extreme economic volatility, questions regarding your retirement plan may come to the forefront. Some of these may include: Increases in request for in-service distributions Issues related to layoffs Suspension or...

Tuesday, March 10, 2020

Offering a competitive benefits package, including a top-notch 401(k) plan, is essential for your company to recruit and retain top talent. Today’s workers highly value employer-sponsored retirement plans: 88% of them say that an...

Tuesday, February 11, 2020

Your retirement plan recordkeeper should be a valued partner that helps support your plan and participants. It’s important for you to be confident in your recordkeeper and fully understand the value they can deliver for your plan...

Tuesday, January 14, 2020

It’s the first quarter of the year, so you’ve got some important plan compliance deadlines on the horizon. You probably outsource a lot of the compliance legwork to your recordkeeper or TPA (third party administrator), but...

Thursday, December 26, 2019

This week, one of the largest changing legislative acts to impact America’s retirement system was signed into effect. The Setting Every Community Up for Retirement Enhancement Act – or SECURE Act – has many updates...

Friday, December 20, 2019

Complimentary retirement plan compliance and notice requirements calendar available for download ARP 2020 Compliance Calendar January Provide/Confirm prior year census data Deadline: Sending Form 1099-R to participants who received...

Tuesday, December 10, 2019

Tests – the word alone is enough to make the most studious of us sweat. When placed in the context of 401(k) plans, i.e. determining whether your plan passes non-discrimination tests, anxiety levels can go through the roof! This...

Tuesday, November 12, 2019

Approach, review, document, and decide As a member of your company’s retirement plan committee, if you have recently been informed that one or more of your company’s retirement plan investments are on the Watch List,...

Monday, October 14, 2019

When it comes to plan design, sponsors sometimes don’t know what they don’t know. Maybe you’re not sure if your plan actually operates in full compliance with its design provisions, or even if you’re using the...

Wednesday, September 18, 2019

We all have dreams in life – goals we’d like to achieve for ourselves and our loved ones. Like that straight-A student at the head of the class, you achieve these goals by working both hard and smart – including...

Thursday, August 8, 2019

A lot of your employees probably don’t understand how much a health savings account (HSA) can help them get set for their medical expenses in retirement. Health-care expenses make up a big part of a retiree’s budget....

Thursday, July 11, 2019

The kids are out for the summer and, believe it or not, road tripping and solving the "I'm bored" crisis, are great learning opportunities! Watch this 30-minute presentation we hosted with American Century about raising financially...

Tuesday, June 11, 2019

3(16), 3(21) and 3(38) Fiduciaries: What’s the Difference? If you’re an employer who offers a 401(k) plan for your employees, chances are, you’re a fiduciary to the plan. However, if you’re confused about how to...

Tuesday, May 14, 2019

Most market analysts predict that in the next decade, we’ll see lower stock market returns than we have these past 10 years. So, to end up with enough money at retirement, your participants may need to make larger contributions....

Tuesday, April 9, 2019

The recent enactment of the Tax Cuts and Jobs Act of 2017 (TCJA) makes changes to 401(k) loan repayment options, which should prompt plan sponsors and plan administrators to re-evaluate their existing loan program, processes and...

Monday, March 11, 2019

401K REFUNDS: NOT AS GOOD AS THEY SOUND With tax season in full bloom, many hear the word refund and begin imagining ways to spend this extra money. However, when it comes to 401(k) refunds or corrective distributions...

Tuesday, February 12, 2019

Ever wonder what documents should be in your retirement plan committee fiduciary file? If the Department of Labor (DOL) were to ever knock on your door, we want you to be prepared! Applying the essential requirements and best practice...

Tuesday, January 15, 2019

Good plan design can do a lot of the heavy lifting for you to help your employees save enough for retirement. Historically, sponsors and advisors have spent a lot of time and energy trying to convince employees to enroll, pick sensible...

Monday, December 3, 2018

5 Lessons We’ve Learned About Financial Wellness Programs It’s common for employers that compete intensely for talent to have cool workplace perks like ping-pong tables and free lunches. But I think it’s more...

Monday, October 22, 2018

As an employer that sponsors a 401(k) plan, encouraging your participants to make small changes in their spending habits can help them harness the power of compound interest! Download the infographic below to share with your employees...

Monday, October 22, 2018

More than 1 in 5 employees do not contribute enough to their 401(k) to receive your full employer match.1 Your employees might not fully understand how to take full advantage of it or what they are missing out on. The infographic below...

Tuesday, September 11, 2018

Cybercrime can be like a natural disaster: no one can stop the hurricane, but preparedness is key to surviving its aftermath. Employers, employees, and service providers play an important role in protecting sensitive plan data. Check...

Tuesday, August 14, 2018

Your company’s retirement plan is a valuable benefit that can help you attract and retain the best and brightest talent. Unfortunately, that value is exactly what makes it a tantalizing target for cybercriminals. Security is No...

Tuesday, June 12, 2018

In this competitive labor market, a comprehensive and generous benefits package could help you to recruit and retain top talent. When was the last time your company match formula was evaluated? We use LPL Financial’s Plan Design...

Monday, May 21, 2018

Investing Corporate Tax Savings Clients have reached out to me recently after reading newspaper stories about large employers that have increased their 401(k) match because of the corporate tax cuts in the new tax-reform law. These...

Tuesday, April 10, 2018

Tuesday, February 20, 2018

Being a part of your company's retirement plan committee is a big responsibility with some important rules and regs. We want to help you to create a repeatable process for your committee. Take a look at our short video that breaks down...

Tuesday, January 16, 2018

Shortfalls in participant outcomes can dash your employees’ retirement dreams—and end up costing your company a lot of money. If your employees don’t save enough for retirement, they’ll probably need to keep...

Monday, October 23, 2017

Have you benchmarked your recordkeeper lately? The recordkeeping marketplace’s rapidly changing dynamics can offer you a good opportunity to renegotiate your plan’s deal and get significant cost savings. Several changes...

Friday, August 4, 2017

”Harvesting requires different tools than planting." Imagine planting a fruit tree. For the first few years, all you can do is care for and nurture it; it won’t produce any fruit until it’s full-grown. Once those...

Sunday, May 7, 2017

Many financial wellness and debt management programs will tell you that the best way to manage debt is to stay out of it in the first place. Unfortunately, this pithy nugget of wisdom doesn’t help the 80% of Americans who are...

Wednesday, February 15, 2017

Companies of all sizes are always on the prowl for ways to improve productivity, attract and retain top talent, and increase employee engagement. Maybe the answer is simple:reduce stress with Financial Wellness. What is financial...

Tuesday, November 8, 2016

Getting employees on track to retire is a lot like herding kittens: everyone wants to go their own way, and it’s difficult to help lead them to where they need to go. Low participation, low deferral rates, and shortsighted...

Wednesday, August 24, 2016

AMERICA IS STRESSED | Stress is defined as a state of mental or emotional strain or tension resulting from adverse or very demanding circumstances. While some may thrive in stressful situations,...

Sunday, April 10, 2016

If your non-profit workplace has a 403(b) plan for employees, you may be asked to serve on the committee. In this post, we will explain the basics so you will have a better understanding of your responsibilities.

Monday, January 25, 2016

Many plan sponsors seem to be confused about their fiduciary responsibility. We created a quick video to help explain: https://vimeo.com/191650001

Tuesday, December 1, 2015

To assist your employees and prepare for a meaningful retirement, we offer four powerful ideas.

Friday, September 25, 2015

Learn how 3 steps can enhance your corporate sponsored plan. In our post, we will tell you how you can help your employees as they seek to grow big, strong, and lasting retirement plans.

Monday, August 24, 2015

How can sunlight boost your plan's growth? Read on as we shed some light on the topic.

Wednesday, July 22, 2015

Managing a retirement plan and growing a tree are similar feats. In our next few blog posts, we are going to symbolize how the preparation and education required for growing a tree is similar to getting participants ready for retirement.