State-Based Fiduciary Regulations Take Shape in 2019
Regulators and legislators in a growing number of states say they are acting to fill a perceived void created by...
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Strategies to Manage Retirement Plan Loans
Enshrining these in a well-crafted loan policy statement can help plan sponsor clients take control of leakage and excess early...
Advisers Play Important Role in Bringing ESG to ERISA Plan Clients
The Department of Labor issued a Field Assistance Bulletin in 2018 that caused some confusion about its true stance with...
This Plan Sponsor Is All-In on ESG TDFs
Many plan sponsors fear being a trendsetter, but United World College-USA is proud of using ESG investing themes in its...
Fee Transparency, Custom Defaults on Client Agendas for 2019
Even as the retirement plan industry has evolved in important and significant ways, the manner in which providers present fees...
Cash Balance Plan Clients Need Specialized Administrative Systems
Cash balance plan participants expect the same service and information from their pension plan as from a defined contribution (DC)...
Can Congress Help Change Sponsors’ Take on In-Plan Annuities?
Experts believe the annuity provider selection safe harbor provision in the Retirement Enhancement and Savings Act could limit fiduciary liability...
Pension Plan Glide Paths Need to Evolve
As funding status improves, it is important for most employers to take pension investment risk off the table and move...
Consider All Individual Circumstances Before Suggesting 4% Retirement Income Withdrawal
An individual's investment allocation is a big factor to consider when deciding a proper optimal withdrawal rate of savings in...
ERISA Litigators Reflect on Lessons Learned in 2018
Lessons learned from district and appellate court decisions filed this year can help plan sponsor clients better protect their plans and fiduciary staff; 2018 also brought new trends...
Progressive Plan Design Features Have Moved Down-Market
These are streamlining plan administration, increasing investment diversification and improving participant outcomes.
Strategies to Maximize Social Security and Medicare
When to start taking Social Security is one of the most important, and complicated, financial decisions a person can make.
K-12 403(b) Plans Require Unique Recordkeeping Solutions
Because K-12 403(b) plans have mostly stuck with the multiple provider and individual annuity model, different providers must work together to make sure recordkeeping for these plans is...
Even More Retirement Industry Evolution Expected in 2019
While previous years saw an increased focus on financial wellness educational content—delivered in fliers, websites and mobile applications—providers in 2019 will favor action-based strategies and solutions.
Who Is Responsible for Retirement Security?
National Retirement Security Week, from October 21 through 27, highlights the complementary roles of governments, employers and individuals in creating better retirement security for everyone in the U.S.