Results for "retirement"

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Should you use those free tools the 401(k) wholesaler gave you?

March 22, 2018

In the competitive environment surrounding retirement plans nowadays, having any extra advantage is something advisers want and need. The way many retirement plan advisers stand out is by using tools to provide feedback to plan sponsors on a...

Aon Hewitt wins 401(k) lawsuit over robo-adviser kickbacks

March 21, 2018

Aon Hewitt has won a lawsuit alleging that it engaged in a kickback scheme with a 401(k) plan robo-adviser that inflated costs for retirement plan participants. The lawsuit, originally filed in January 2017 on behalf of participants in the Caterpillar...

Social Security benefits losing buying power

March 20, 2018

Automatic cost-of-living adjustments are supposed to help Social Security benefits keep pace with inflation, but years of low inflation and rising Medicare costs are threatening the adequacy of a key component of seniors' income. Over the past...

Senior Wells Fargo exec: No FBI interviews here

March 19, 2018

A senior Wells Fargo & Co. executive Monday morning contradicted a report from last week in the Wall Street Journal that the FBI had recently interviewed employees in the bank's sprawling wealth management group, home to some 14,544 brokers...

Growing pains for 401(k) advisers

March 17, 2018

Darwinian forces are resulting in the survival of the fittest. With 401(k) provider fees declining and profit margins shrinking, especially for defined-contribution investment-only providers, the budgets to support retirement plan advisers are...

Questions to ask to stay compliant as rules change

March 17, 2018

The regulatory landscape for investment advice fractured in 2017. States enacted new rules. The Securities and Exchange Commission began to focus on a definition of "fiduciary." And the National Association of Insurance Commissioners began considering...

Passive target-date funds? No such thing

March 17, 2018

If your clients ask for a passively managed target-date fund, you might have to explain to them that there's no such thing — although you should certainly steer them to a low-cost target-date fund. Passive investing has taken investors' fancy...

401(k) robo-revolution is underway

March 17, 2018

Tech upstarts are making inroads into 401(k) plans and that's bad news for some retirement plan advisers. Such fledgling companies as Betterment for Business, ForUsAll, Human Interest and Vestwell, as well as more established players such as...

Your role in people's happiness

March 17, 2018

Every day we hear about financial wellness and financial wellness programs. And the attention is justified. As advisers, you are probably involved in some aspect of increasing people's sense of financial wellness, either individually or programmatically....

Graying of America will put pressure on Social Security reform

March 16, 2018

Investment News readers and audiences who attend my Social Security seminars around the country frequently ask me when I think Congress will tackle Social Security reform. I joke that my crystal ball looks more like a blurry snow globe when...

Retirement savings bill introduced in House

March 16, 2018

The House counterpart to a Senate package of retirement savings initiatives was introduced late Wednesday by Rep. Ron Kind, D-Wis., and Mike Kelly, R-Pa. Among other provisions, the proposed Retirement Enhancement and Savings Act of 2018 would...

4 warnings about using back-door Roth IRAs

March 15, 2018

More of your high-income clients can now move funds to Roth IRAs by using the so-called "back-door Roth" strategy. Unlike traditional IRA contributions, Roth IRA contributions have income limits, but this strategy allows funds to be moved to...

SunTrust Banks, 401(k) participants settle fiduciary-breach lawsuit

March 15, 2018

Participants and fiduciaries of the SunTrust Banks Inc. 401(k) Plan, Atlanta, agreed to a preliminary settlement in which plaintiffs will receive $4.75 million and executives will make several changes to plan policies. The preliminary settlement,...

401(k) plans are trifecta of confusion

March 14, 2018

The three major stakeholders in 401(k) plans — plan sponsors, record-keepers and the plan participants themselves — are often miles apart in their views of the plans and the positions of other stakeholders. That is the finding of research...

Public employee retirement systems could face shortfalls as retirees outnumber workers

March 14, 2018

For those worried about the ability of U.S. state and local governments to cover promised pension checks, the Census Bureau announced a milestone that should add to their fears: by 2030, for the first time, senior citizens will outnumber children....

Fiduciary rule shifts power to broker-dealer compliance departments

March 14, 2018

The DOL fiduciary rule was a wake-up call for many broker-dealers, some of which had paid little attention to defined contribution plans like 401(k)s in the past. Even broker-dealers that had focused on DC plans have made significant changes...

State auto-IRA programs poised to catch advisers' attention

March 13, 2018

The first state auto-IRA plan is up and running. OregonSaves, which launched last year, has more than 19,000 individuals and 300 companies participating. What does this mean for financial advisers? Oregon's foray into the retirement arena is...

More 401(k) plans move away from revenue-sharing model

March 12, 2018

Many 401(k) plans are moving away from revenue sharing as executives cite the need for greater transparency, simplicity and democracy in how fees are assessed to participants. Defined contribution plan consultants say federal fee regulations...

Social Security budget cuts lead to declining customer service

March 12, 2018

A month before my husband Mike turned 66, he received a letter from the Social Security Administration reminding him that he could start receiving unreduced retirement benefits at his full retirement age, even if he continued to work, or he...

Senate bill aims to boost 401(k) annuities, small-employer retirement plans

March 8, 2018

New bipartisan legislation in the Senate aims to increase the use of annuities in 401(k) plans, and boost retirement-plan adoption by small employers through a particular type of defined-contribution plan known as an open multiple employer plan....

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