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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.
14 votes

Tibble vs. Edison and Fiduciary Responsibility

by Lyle Himebaugh Level 20
In a recent article, posted in Pensions & Investments, on Tibble vs. Edison, whether an employer has fiduciary responsibility over investments should be a of great concern to all employers. Most employers mistakenly ...(more)
Comment   |  Mar 23, 2015
15 votes

Obama the 401(k) Game Changer?

by Lyle Himebaugh Level 20
Fees! So what gives? President Obama has thrown his hat into the ring by suggesting brokers and independent advisors adhere to a higher "Fiduciary Standard."  This would impact major wall street firms like Merrill ...(more)
Comment   |  Mar 21, 2015
14 votes

The Difference Between Retirement Education and Investment Education

by Lyle Himebaugh Level 20
In a recent article in PlanSponsor magazine, 7% of employees feel very knowledgeable about their investments with 12% feeling confident.  That leaves the 81% of your employees in the dark. So what gives? Most plans ...(more)
Comment   |  Mar 21, 2015
0 votes

401K Fiduciary Awareness Guide

by Mark K. Lund Level 13
Just by reading The 401k Fiduciary Awareness Guide, you will know more than most plan sponsors about what it means to be a prudent fiduciary. In addition, you will have the necessary tools to protect yourself. The ...(more)
Comment   |  Feb 06, 2015 from Draper, UT
0 votes

What is Your Ideal 401k Savings Rate?

by James D. Kinney, CFP® Level 20
New Research Suggests Saving More, But is a 15% Retirement Savings Rate Out of Reach for Most? The magic number used to be 10%.  If you saved 10% of your pay consistently into your 401k, it was said, you would be able ...(more)
Comment   |  Jan 13, 2015 from Bridgewater, NJ
0 votes

SEC Implements Money Market Fund Reform to Protect Investors

by Robert Arthur Massa Level 17
On July 23, the Securities and Exchange Commission voted in favor of major structural reform to money market mutual funds, including one of the most significant changes—a “floating NAV.” While new mandates aren’t ...(more)
Comment   |  Dec 03, 2014 from Houston, TX
0 votes

2015 Pension Plan Limitations

by Robert Arthur Massa Level 17
The Internal Revenue Service has announced cost-of-living adjustments applicable to dollar limitations for pension plans and other items for the 2015 tax ...(more)
Comment   |  Dec 03, 2014 from Houston, TX
0 votes

A Guide to Calculating Employer Matching Contribution Limits

by Robert Arthur Massa Level 17
The maximum employer matching contribution is calculated by multiplying the maximum employer matching percentage by the annual compensation limit. Since the annual compensation limit for the 2015 tax year is increasing, ...(more)
Comment   |  Dec 03, 2014 from Houston, TX
0 votes

Are your Target Date Funds Hitting the Mark?

by Robert Arthur Massa Level 17
Stay up to speed with suggested guidelines from the Department of Labor on selecting target date fund investments. http://www.ascende.com/content/documents/publications/Target_Date_Fund_Presentation.pdf  (more)
Comment   |  Dec 03, 2014 from Houston, TX
0 votes

401k IRS Updates Key Web Resources for Plan Sponsors

by David G Hanson, CFP®, AIF® Level 6
  IRS Updates Key Web Resources       The IRS has revised several reference guides for plan sponsors. The guides represent practical and helpful resources for both new and experienced sponsors.   Updated Web ...(more)
Comment   |  Nov 25, 2014 from Houston, TX
1 vote

Coca Cola 401k Review

by Joseph Gissy Level 16
Review of the Coca Cola 401k Plan Often times we get asked to review a companies 401(k) plan, pension plan or other retirement plans so that a person can better understand what options are available to them.  Sometimes ...(more)
Comment   |  Nov 03, 2014 from Woodland Hills, CA
1 vote

Save Taxes! Increase Your Retirement Nest Egg

by Curt Sheldon, CFP®, EA, AIF® Level 20
Recent news from the IRS and SSA will affect your ability to save more in tax deferred and tax free accounts starting in 2015.  And as a bonus you'll be able to reduce your current taxes if you so choose.  Here is a ...(more)
Comment   |  Oct 23, 2014 from Alexandria, VA
3 votes

Why are the TSP L Funds so Different Than Other Target Funds?

by Brian Kuhn CFP® Level 17
Government workers, like those in any area of the economy, want to maximize their employee-eligible retirement savings plans. Noting the quality of the investments offered through your employer versus those on the ...(more)
Comment   |  Sep 30, 2014 from Fulton, MD
16 votes

401(k) Plans and Retirement

by Kimberly L. Curtis, CFP®, ChFC, CLU, ... Level 20
With the economic recession, roller-coaster stock markets, and the dismal news cycle, it has been very easy for investors to become overwhelmed and worry about their retirement options. How should I invest so I can ...(more)
Comment   |  Sep 30, 2014 from Denver, CO
3 votes

Borrow from your 401k? Bad Idea!

by Larry R Frank Sr Level 20 Staff Pick
Not that long ago, when you needed extra larger sums of money, where’d you get it from? Homeowners went to their home equity to borrow. Those have almost gone the way of the dodo bird. What’s the popular source now to ...(more)
Comment   |  Sep 10, 2014 from Roseville, CA
0 votes

Making the most of your 401(k)

by Don Humphreys Level 10
  401(k) plans are an excellent way to save for retirement.  Your contributions are tax exempt and many companies offer matching programs that will add savings to your account above what you are already contributing. ...(more)
Comment   |  Aug 06, 2014
1 vote

A Guide to QLACs - The New 401(k) Plan Annuity Option

by Robert Arthur Massa Level 17
More than two years after soliciting comments, the Treasury Department issued final regulations making available the opportunity for retirement plan participants to purchase Qualified Longevity Annuity Contracts (QLACs) ...(more)
Comment   |  Jul 31, 2014 from Houston, TX
0 votes

A Retirement Plan Advisor's Responsibility

by Daniel David Sheehan Level 6
A retirement plan advisor's responsibility is to help participants plan for a "meaningful retirement," and help the plan sponsor manage risk, freeing them up to do what they do best, grow their business and make ...(more)
Comment   |  Jun 06, 2014 from San Luis Obispo, CA
0 votes

Is the time correct to make your 401k an Aggressive beast?

by John A. Kvale, CFA, CFP® Level 13
If you have been reading our work long you know we are conservative by nature, constantly worry about risk, and attempt to diversify as many problems away/offset as possible. So it might surprise you that we encourage ...(more)
Comment   |  May 13, 2014
2 votes

Lessons from Shopping at the Warehouse Clubs: 401(k) Plans Can Benefit from Buying in Bulk, Too

by Robert Arthur Massa Level 17
It’s interesting that many of us pay a membership fee to shop at discount clubs like Costco or Sam’s Club to save a few dollars (or even pennies) on an array of consumer goods, many of which we don’t need or will never ...(more)
Comment   |  Apr 16, 2014 from Houston, TX
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