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Articles in Retirement Plans

Your personal retirement plans will have to be your primary method of funding your retirement and you should consider all the tools at your disposal to plan for and achieve your retirement goals.
1 vote

Is your 401(k) Education Program Helping or Hurting Participants?

by Curtis Steven Farrell Level 17
If you were to call an impromptu employee education meeting and quiz your employees on a few 401(k) basics, how do you think they would fare? Would they know the answers to questions like: “At what age can you withdraw ...(more)
Comment   |  May 21, 2019 from Mission Viejo, CA
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DELIVERING BENEFITS YOUR EMPLOYEES ACTUALLY WANT

by Curtis Steven Farrell Level 17
4 tips for forward-thinking plan sponsors As we settle into the new year, we tend to opt for positive change and set goals for near-term improvement like shedding a few pounds or learning a new skill. But what about ...(more)
Comment   |  Jan 24, 2019 from Mission Viejo, CA
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A Broken 401(k) May Cost You Dearly

by Ramiro Marmolejo Level 6
One of the most popular employee retirement benefits is the 401k account, but why do companies offer 401ks to their employees? After conversations with hundreds of business owners and corporate executives, the reasons ...(more)
Comment   |  Jan 07, 2019
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2019 401k Contributions Announced

by Nathan Garcia, CFP® Level 16
  For more info visit https://myretirement.tv(more)
1 Comment   |  Nov 09, 2018
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What Pension Options Do Teacher's Have?

by Nathan Garcia, CFP® Level 16
https://www.youtube.com/embed/FRSeLKarJww?start=5    (more)
Comment   |  Sep 24, 2018
0 votes

What Pension Options do Teacher's Have?

by Nathan Garcia, CFP® Level 16
What pension options do teachers have?    https://s3.amazonaws.com/marketingmaterialsswp/Teacher+Pension+Options+Thumbnail.png        https://youtu.be/FRSeLKarJww    (more)
Comment   |  Sep 24, 2018
0 votes

PLAN ADMINISTRATION IS A HASSLE …but does it have to be?

by Curtis Steven Farrell Level 17
3 Tips for Managing 401(k) Plan Administration Headaches As an HR professional, you have mastered the art of juggling and hopefully, you look good in hats, because you’re likely to find yourself wearing a number of ...(more)
Comment   |  Sep 06, 2018 from Mission Viejo, CA
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DEBUNKING 401(K) MYTHS Myth #1: “We’re all set”

by Curtis Steven Farrell Level 17
Over our years working with business owners and employers, we’ve encountered a number of common myths that plan sponsors hold on to despite proof to the contrary. These myths can be harmful to plan sponsors and ...(more)
Comment   |  May 03, 2018 from Mission Viejo, CA
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How 401(K) Advisors Can Use ETFs

by Charles H. Self III Level 17
Exchange-traded funds (ETFs) have gained significant market share for over a decade now, and more investors are interested in utilizing the investment vehicle to design a diversified portfolio. Advisors' adoption of ...(more)
Comment   |  Mar 12, 2018 from Appleton, WI
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Tax Act, Your Company’s 401(k), and how $99 dollars could turn into $300,000

by Curtis Steven Farrell Level 17
As each New Year begins, many people make New Year’s resolutions, with the mantra – New Year, New Me. Topping the resolution charts year after year is health, both physical and financial. And while many are focused on ...(more)
Comment   |  Mar 08, 2018 from Mission Viejo, CA
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Who Does What (in your Retirement Plan)

by Curtis Steven Farrell Level 17
There is a fair amount of confusion surrounding the roles, responsibilities, and duties each party has to maintain a compliant retirement plan.  With new regulations and increased litigation, it’s more important than ...(more)
Comment   |  Dec 08, 2017 from Mission Viejo, CA
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Is a Cash Balance Plan Right for my Company?

by Curtis Steven Farrell Level 17
Planning for retirement comes with a unique set of challenges for everyone, but often the focus is placed on individuals who struggle to save for retirement. What about the people who actively save and want to do ...(more)
Comment   |  Dec 08, 2017 from Mission Viejo, CA
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What are the Phases of Retirement?

by Larry R Frank Sr Level 20
  What are the Phases of Retirement? I functionally label retirement into 3 Phases for couples: Phase I: Both of you are here. Phase II: One of you are here. Phase III: Neither of you are here. Each phase ...(more)
Comment   |  Jul 26, 2017 from Roseville, CA
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Hands

by Randy Brunson Level 18
You have probably heard by now that the new DoL fiduciary rule, slated to go into effect on Monday April 10th, has had implementation pushed back to June 9th.  The short version of this rule is that it requires any ...(more)
Comment   |  May 03, 2017 from Suwanee, GA
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How to Sabotage Your Retirement by Using Multiple Advisors

by Peter Carl Hafner Level 12
I found myself thinking about eggs this morning.  Maybe it's because Easter just passed. Or maybe I was just hungry. Or it could have been because of a recent conversation about not putting all your eggs in one ...(more)
Comment   |  Apr 27, 2017 from Buffalo, NY
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How safe is your IRA? Not from the markets, but from the State!

by Larry R Frank Sr Level 20
  I discussed how inheritances can go amuck and the heirs don’t get the inheritance – the State does. This can happen while you’re still alive too! Did you know that the State can claim your IRA (or any account for ...(more)
Comment   |  Apr 19, 2017 from Roseville, CA
0 votes

Hallmark

by Randy Brunson Level 18
  On April 6, 2016, the Department of Labor (DoL) issued its fiduciary rule, which we consider a major step forward for the world of professional financial advice.  The rule states that brokers can no longer earn ...(more)
Comment   |  Apr 11, 2017 from Suwanee, GA
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Trump Seeks to Halt the DOL’s Fiduciary Rule: Why a Fiduciary Advisor is So Important for You

by Chris Schiffer Level 14
Many people are under the mistaken belief that their Financial Advisor is a Fiduciary; however, that might not be the case. The DOL Fiduciary Rule was passed last year with an effective date of April 2017. The rule ...(more)
Comment   |  Mar 11, 2017 from BASKING RIDGE, NJ
3 votes

What is the difference between a Recordkeeper and a Third Party Administrator (TPA)?

by Justin Ladden Level 11
There are many parties involved with the management of a company’s retirement plan.  Although we hear certain terms being used, many times we do not understand exactly who does what.  A common question I get is “what ...(more)
Comment   |  Mar 08, 2017 from Birmingham, AL
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Managing Your Medical Practice's 401k

by Rene Louis Bruer Level 6
This article was published in the Florida Medical Association's January 2017 Newsletter. Medical practices should be keenly aware of what their responsibilities and requirements are when they sponsor a 401k.  Visit ...(more)
Comment   |  Mar 15, 2017
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