Beyond (k)
Thorough Analysis
Recordkeepers’ consistent evolution
cover story
Reconsidering the Status Quo
It takes more than automatic enrollment to valuably increase participation and engagement.
Editor’s Letter
intro
Setting the Record Straight
The idea that people worked for one company their whole lives and then got a “fat” paycheck at the end is not proven by evidence.
Rules of Engagement
Advisers need to go beyond automatically enrolling participants—to get them to take real interest in their retirement future.
Capitol News
Data Points
Compliance News
Legislative and judicial actions.
Retirement Income Options
Larger plans are beginning to embrace products that guarantee income.
Practice Development
Investment Focus
Creative Communication
For some advisers, it’s their tool of choice for building client relationships
A Milestone for TDFs
Target-date funds are on the verge of reaching $1 trillion
in assets
trendspotting
trendspotting
trendspotting
trendspotting
trendspotting
trendspotting
Fuzzy on Fiduciary Compliance
Context and presentation are factors
Volatility, Retirement Top of Mind
Americans equally concerned about both
Derailing Women’s Retirement
Divorce may create a financial crisis
Older Americans Too Cautious?
Innovations in medicine and technology have extended human life by more than 30 years since 1900, which has helped to double the time the average adult now spends in...
Withdrawals and Loans Down
Only 17.0% of people have an outstanding loan from their
401(k) last year
Need for Retirement Income Education
Most older Americans know very little about annuities
trendspotting
trendspotting
trendspotting
trendspotting
trendspotting
trendspotting
Focus on Financial Wellness Aids With Retention
Employers are seeing how the benefit helps their bottom line.
Employers Support HSAs
The majority (75.3%) of the employers responding to the Plan Sponsor Council of America (PSCA) HSA (Health Savings Account) Snapshot Survey view HSAs as part of their retirement benefits...
IRAs Serving Their Purpose
People use them as both a savings and a rollover vehicle
Saving at Record Levels
Fidelity finds that people squirrel away an average 12.9%
Counting on Social Security
Even Americans younger than 30 expect it will still exist
Trendspotting Charts
A look at employees' latest concerns and what these mean to advisers.
feature
Reviewing Providers
Non-cookie-cutter plans require non-cookie-cutter services
servicing strategies
Bringing it All Together
The adviser’s role when working with a client’s multiple
retirement plans.
investment-oriented
Default Thinking
How to advise sponsors about switching to managed accounts
as the QDIA
micro scope
The Best Path Forward
How advisers focused on micro plans grow their business
ERISA vista
IRA-to-IRA Transfers
How the fiduciary rule impacts them
Compliance Consult
fiduciary fitness
Nevada’s New Standard
Might other states apply this fiduciary guideline to
advisers?
Proprietary Funds
Besides the claims of breach of fiduciary duty made of late against plan sponsors that offer proprietary funds, there have been claims of prohibited transactions. With respect to the...