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Generational Influences and Behavioral Finance

Understanding generational attitudes toward investing and the cognitive biases that can lead participants astray is key to helping employees of all ages improve their financial wellness and [...]

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5 Tactics to Increase Retirement Plan Participation

Employees fail to enroll in their retirement plan for a variety of reasons. They may be intimidated if it’s their first time around or they might not fully understand and appreciate the benefits [...]

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Retirement Savings Strategy

As wealth advisors, we sometimes spend more time thinking about numbers and planning and savings strategy than we do for other things, even football. We also spend time highlighting holidays that [...]

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3(38) Advisory Services – Should Fiduciaries be Outsourcing Retirement Plan Investment Responsibility?

Department of Labor (DOL) enforcement recoveries are on the rise. A recent DOL report indicates that DOL recoveries have doubled since 2018 and tripled since 2016.  As a result, fiduciary [...]

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Annual Plan Audit: An Auditor’s Perspective

Does your plan require an annual audit? If your eligible participant count (including terminated employees who maintain an account balance) exceeds 100 at the beginning of your plan will you be [...]

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To Roth or Not To Roth

Many Defined Contribution retirement plan participants are uncertain as to benefits of allocating their contributions to traditional vs Roth options. This is for good reason. There are two key [...]

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401(k) Day and Holidays

When you sign onto your social media accounts, often you see your family and friends highlighting different holidays throughout the year – May the Fourth Be With You; Talk Like a Pirate Day, or [...]

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Are Your Participants Experiencing a Fee Imbalance?

Subsequent to the 2012 implementation of ERISA fee reporting regulations (ERISA 408(b)(2) & 404(a)(5)), the Department of Labor (DOL) began to consider the appropriateness of the allocation [...]

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Back to School for Fiduciaries and Plan Sponsors

Can you hear the school bells ringing? It’s that time of year, as plan sponsors, to review your to-do list of fiduciary responsibilities. Ask yourself the following questions to make sure you are [...]

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Are Your Retirement Plan Fees Reasonable?

Retirement plan fees are complicated. Between administration, investment management, record keeping, consulting, revenue sharing, sub-TA and 12b-1, it isn’t always clear to plan participants or [...]