College Savings

College Savings

College Savings It is never too early or too late to plan for your child’s education. If you’re looking for smart ways to invest in your child’s educational future, there are several effective savings vehicles that can help you make more of the money you save now to achieve this goal. 529 Plans A 529 college […]

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Portfolio Allocation

Portfolio Allocation

The first half of 2020 has seen a dramatic increase in stock market volatility. After beginning the year by gaining 4% through mid-March, the S&P 500 lost roughly 35% over the next four weeks. Four months from that bottom and the index now sits at break-even for the year. While it is always a good […]

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CARES Act

CARES Act

The $2 trillion coronavirus economic recovery bill, dubbed the Coronavirus Aid, Relief, and Economic Security Act (CARES Act) is a daunting 880 pages long, but it contains lots of good news for individuals and businesses, including meaningful tax relief. RMD Waiver The bill provides a temporary waiver of required minimum distribution rules for certain defined […]

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Financial Scams

Financial Scams

Just as technology advances, so do the tools cybercriminals use to target people’s savings. Wire fraud, identity theft, and email scams continue to threaten security and are growing in number and sophistication. At the time of this writing, criminals are using the heightened fear around COVID-19 to steal email credentials through scams that appear legitimate […]

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IRA Conversions

IRA Conversions

Prior to 2010, Roth conversion were subject to a $100,000 AGI limit which prohibited some from taking advantage of the tax free growth of a Roth IRA.  Since that restriction was removed, Roth conversion have become increasingly popular.  Tax rates, historically remain at very low levels enticing many to opt to pay their taxes in […]

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Our 401(k) Investments are on the Watchlist. Now What?

Our 401(k) Investments are on the Watchlist. Now What?

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, don’t panic. This is an opportunity for due diligence and possibly to enhance the plan’s performance.  Approach As a thoughtful […]

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Building a Better Retirement Benefit: Consider Adopting Auto Features

Building a Better Retirement Benefit: Consider Adopting Auto Features

The use of auto features in 401(k) plans has continued to climb in popularity over the past decade. In fact, auto features such as automatic enrollment and auto escalation are considered best practices in 401(k) plan design as ways to help boost participation and employee savings rates.1 Many large 401(k) retirement plans offer auto features. […]

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Are ESG Funds a Good Fit for Your Plan’s Investment Menu?

Are ESG Funds a Good Fit for Your Plan’s Investment Menu?

Should You Include ESG Funds in Your Retirement Plan? Maybe, Maybe Not. ESG, or environmental, social and governance funds, can be appealing to many investors, including millennials. These funds may be viewed as a proactive way to encourage reluctant and under-prepared millennials to save for retirement.  But is it a good idea to include ESG […]

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Retirement Plan Share Classes: Understanding the Basics

Retirement Plan Share Classes: Understanding the Basics

Share Class ABCs: Choose Wisely Choosing mutual funds for your retirement plan’s investment lineup can feel like wading through a sea of alphabet soup. Fund companies typically offer multiple share classes, each sporting its own unique letter. A shares, C shares, I shares, R shares — what does it all mean? Luckily, you don’t have […]

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Effective Governance May Lead to Better Retirement Plans

Effective Governance May Lead to Better Retirement Plans

Participant-driven lawsuits are on the rise, and employers are facing heightened scrutiny of the way they manage their retirement plans. In today’s continually-evolving regulatory and legal environment, it’s more important than ever to make sure your organization’s retirement plan is both effective and compliant. A well-structured retirement plan governance program can help you pursue these […]

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