Employer Connect Videos
Financial Wellness Is Essential to Saving for Retirement
Introducing a workplace retirement plan can be a compelling way for emplyees to take control of their retirement savings, but for so many people that don't have control of their personal financial situation, the retirement plan at work doesn't have a chance to be...
Defined Benefit Plans are Alive and Well
For 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 seriously considering a DB...
Aligning Plan Design with Your Goals
Most of us live in homes that were not custom-designed for us. We adapt to them rather than expect them to be optimized to how we like to live. Most retirement plans are sold the same way.
Advantages of an Unbundled Retirement Plan Solution
There are some things we're happy to buy right off the rack. After all, mass production usually means consistency and cost-savings. On the other hand, when we do buy off the shelf, we compromise on individual choice and sometimes flexibility in getting the exact...
Maximizing a Business Owner’s Retirement Benefit
It's a common story - business owners put everything into their businesses for years before being in a financial position to put real money away for retirement. Once you're ready to really get going, we can suggest a number of retirement plan designs and individual...
Understanding How Forfeitures Work in Your Retirement Plan
When we talk about 401(k) retirement plans, we sometimes focus on the contributions made by employees that are always immediately vested. In other words, it's their money and they can always withdraw it without forfeiting any - subject to certain IRS rules about early...
The Loan They Never Take May Make All the Difference
IRS rules provide for participant loans and hardship withdrawals from 401(k) and other plans. They're not required, but rather left to the discretion of you, the plan sponsor. Today, there's a good bit of debate about how participant loans affect long-term retirement...
Plan Fiduciary Services and Why They Matter
People who exercise control and authority over the management of a retirement plan's assets are fiduciaries. So are professionals who provide investment advice with respect to those assets. As a company owner or executive, in most cases you also play an investment...
Did You Know You Are a Fiduciary?
When it comes to the topic of fiduciary responsibilities for qualified retirement plans, there are three things we know really well: Plan sponsors like you are, by definition, a fiduciary of your plan because you exercise control over, and act on behalf of, your plan....
When to Set Sail with Safe Harbor
You already know that a 401(k) is a very popular retirement plan and, like other plan designs, it allows your employees to take advantage of tax deferrals on contributions and earnings while their money accumulates for retirement. To enjoy this special status, the IRS...