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Articles in 401k Plans

Here you will learn to understand your 401k and how to utilize your retirement plan as a valuable ally in the fight for a successful retirement.
0 votes

Learning From the Novant Health Retirement Plan

by Lyle Himebaugh Level 20
Granite Insight Avoid the Novant Health issue with your plan, the issue: This hospital system breached their fiduciary duty by: 1) Allowing excessive fees to paid to the broker (DL Davis) 2) Allowing excessive fees ...(more)
Comment   |  Jan 04, 2016
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Vanguard’s 401k participant data shows interesting trends

by Gary A. Brooks Level 17
By Gary Brooks, CFP® Brooks, Hughes & Jones Wealth Advisors Survey data is regularly publicized by a wide variety of financial firms and research entities. It often is used to make a particular point about ...(more)
Comment   |  Dec 02, 2015 from Tacoma, WA
1 vote

Where's My 401K?

by Rich Winer Level 20
I have to admit that I'm amazed by the number of people who post some variation of the question: "How do find my 401K account?". In almost every case, the individual had a 401K account with a former employer and somehow ...(more)
Comment   |  Dec 01, 2015 from Woodland Hills, CA
1 vote

Five Things Plan Participants Should Do Before the End of the Year

by Steven Kaye Level 13
There are only a few weeks left for plan participants to make a 401(k) contribution for 2015. The deadline is also quickly approaching for retirees to take required minimum distributions from their retirement accounts. ...(more)
Comment   |  Nov 12, 2015 from Warren, NJ
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How to Build Wealth In Your 401(k)

by Carlos Sera Level 20
How to Build Wealth In Your 401(k) The Trampoline Effect The trampoline effect is the accelerated growth in a consistent saver’s portfolio over the 12 months prior to achieving their wealth target if investing in a ...(more)
Comment   |  Nov 09, 2015
4 votes

10 Ways to Find Your Old 401(k)

by Brian Kuhn CFP® Level 17 Staff Pick
  Losing money to the investment markets is frustrating.  Losing money by not knowing where funds are that you or a family member saved in a 401(k) plan has to be corrected.  Savings are hard enough to accumulate you ...(more)
1 Comment   |  Jul 29, 2015 from Fulton, MD
7 votes

Your Retirement Paycheck; Do You Truly Understand Your 401(k)?

by Frank Reilly Level 20
  The days of the corporate-funded pension plan are long gone. Essentially we are now left to our own devices when it comes to saving for retirement. We must create our own paycheck, per se, for retirement, most often ...(more)
Comment   |  Jul 06, 2015 from La Mesa, CA
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401(k) Plans And The Fiduciary Standard

by Matt Chancey, CFP® Level 17
I work with people of all ages and stages of their life. My client’s range in age from in their twenties to in their nineties. I have people walk into my office who are just starting their career, in the heart of ...(more)
Comment   |  Jun 30, 2015
1 vote

Off to a new job? Don’t forget to pack your old 401(k)

by Kristin McFarland Level 19
Have you ever wondered what you should do with an old 401(k)? When most of us change employers we’re so focused on what’s ahead that we often forget about the old 401(k) we may have left behind. When you leave a job, ...(more)
Comment   |  Jun 30, 2015 from Boston, MA
1 vote

Employers Beware!

by Lyle Himebaugh Level 20
The unexpected outcome of the Supreme Court’s decision on Tibble vs Edison put employers on alert.  The reason this is so important, has less to do with fees, and more to do with the investment process. The ruling said: ...(more)
Comment   |  Jun 16, 2015
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SCOTUS Rules on Tibble v. Edison International

by Robert Arthur Massa Level 17
On May 18, 2015, the Supreme Court of the United States (SCOTUS) ruled unanimously in favor of the plaintiffs on a key provision in the Tibble v. Edison International class action lawsuit. In defense of its fiduciaries’ ...(more)
Comment   |  May 29, 2015 from Houston, TX
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Documenting Loans and Hardships

by Robert Arthur Massa Level 17
In their April 1, 2015 bulletin, the IRS reiterated the importance of employers who sponsor retirement plans (“plan sponsors”) to keep all records regarding the loans and hardship withdrawals provided under the plan. In ...(more)
Comment   |  May 29, 2015 from Houston, TX
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Employee Plans Compliance Resolution System Updates

by Robert Arthur Massa Level 17
  On April 2 2015, The IRS released Revenue Procedure 2015-28, updating the Employee Plans Compliance Resolution System (EPCRS) program to allow lower cost corrections to certain salary deferral retirement plans. The ...(more)
Comment   |  May 29, 2015 from Houston, TX
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Do you need help with your Workplace Retirement Plan (401K, 403b, 457)?

by Kyle Alan Howell Level 6
 (more)
Comment   |  May 20, 2015
8 votes

DOL, Lawsuits on Fees Drive 401(k) Changes

by Lyle Himebaugh Level 20
Now is the time to take a good look at your pension management plans and to make sure your company and its plan administrators are positioned to meet the new Department of Labor (DOL) rules on fee disclosures. Given ...(more)
Comment   |  Mar 26, 2015
8 votes

ERISA Share Class

by Lyle Himebaugh Level 20
There has been a lot of consternation about plan employees filing claims against their employer. In fact, claims are starting to rise as employees sue about share class selection. In one case, employees sued and won. ...(more)
Comment   |  Mar 26, 2015
8 votes

Revenue Sharing Fees, Part 2

by Lyle Himebaugh Level 20
Do smaller 401K plans pay higher fees?  Recently in The Las Vegas Review, the article intimates that smaller plans pay higher fees. This may be true, but there are ways to minimize the impact. The truth is the fees are ...(more)
Comment   |  Mar 26, 2015
8 votes

Revenue Sharing Fees

by Lyle Himebaugh Level 20
Do smaller 401K plans pay higher fees?  Recently in The Las Vegas Review, the article intimates that smaller plans pay higher fees. This may be true, but there are ways to minimize the impact. The truth is the fees are ...(more)
Comment   |  Mar 26, 2015
8 votes

Fines, Penalties, and Audits

by Lyle Himebaugh Level 20
To our surprise, we read an article in CFO Daily News about 401k fines in 2013. In the article, it stated that seventy-five percent of plans were fined or penalized. It further stated that the average fine was 600,000 ...(more)
Comment   |  Mar 26, 2015
8 votes

Who Represents Whom?

by Lyle Himebaugh Level 20
    Who represents Whom? That is the question! We have found, through a number of conversations, that employers are not always clear on their salesmen, or 401k provider’s offerings. There was a deluge of articles ...(more)
Comment   |  Mar 26, 2015
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