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Help Clients Understand Why a QDIA Matters

Help Clients Understand Why a QDIA Matters

 Download The Action DocAuto-enrollment has been proven to be effective in raising participation rates in 401(k) plans. As a result, it's been pretty widely adopted across the country, especially in mid- to larger plans. Automatic enrollment creates a situation where many employees fail to make...
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The Loan They Never Take May Make All the Difference

The Loan They Never Take May Make All the Difference

 Download The Action DocIRS rules provide for participant loans and hardship withdrawals from 401k and other plans. They're not required, but rather left to the discretion of the plan sponsor. Today, there's a good bit of debate about how participant loans affect long term retirement ou...
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Houston, We Have a Problem…

Houston, We Have a Problem…

Times can get tough for people. With the onset of Hurricane Harvey having decimated parts of the Gulf Coast and Hurricane Irma following its destructive lead, we are reminded that at any point we may find ourselves in hardship. Companies make layoffs, natural disasters occur, emergencies… we...
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Fiduciary Rule Round Up

Fiduciary Rule Round Up

There has been much upheaval in the retirement world as of late and it centers around the new fiduciary rule. The New Fiduciary Rule means that many investment professionals that weren't previously considered fiduciaries will now have to take on that role. So, why is that such a bad thing? Well, it'...
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Of Course Your Clients Are Fiduciaries

Of Course Your Clients Are Fiduciaries

 Download The Action DocWhen it comes to the topic of fiduciary responsibilities for qualified retirement plans, there are three things we know really well: Plan Sponsors are, by definition, a fiduciary of their own plan as they exercise control and act on behalf of the plan. Some number of pla...
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When to Set Sail with Safe Harbor

When to Set Sail with Safe Harbor

 Download The Action DocYou already know that a 401(k) is a very popular retirement plan and, like other plan designs, it allows employees to take advantage of tax deferrals on contributions and earnings while their money accumulates for retirement.To enjoy this special status, the IRS put in p...
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DB Plans Are Alive and Well

DB Plans Are Alive and Well

 Download The Action DocDB Plans Are Alive and WellFor the most part, the news about Defined Benefit plans lately has not been particularly good. Whether a big company could no longer fund its plan or how it was bankrupting their business, headlines have discouraged many businesses from serious...
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Retirement Plan Maintenance

Retirement Plan Maintenance

Whether it’s your car, your air conditioning or your own health, virtually everything you depend on in life needs a periodic assessment. What’s working, what needs repair? A company’s retirement plan is no different. And the evaluation is no less complex than the one your primary care physician m...
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Participant Loans: Benefit or Detriment?

For many years, plan sponsors have wrestled with the decision to offer loans to their plan participants. Some consider them to be a benefit and even promote them as a legal way to use tax free money while participating in the plan. According to the Employee Benefit Research Institute, 87% of plan p...
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Rise of the Machines

Over the last 30 years, there's been an incredible array of advancements in technology that have impacted various parts of our lives. While not all of them were amazing, many of them inherently improved our quality of life and some allowed us to catapult forward into a world of instantly accessible...
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