Results for "individual retirement accounts (IRAs)"

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How to help millennials avoid big mistakes with their IRAs

February 14, 2017

Millennials need retirement help. They're making critical IRA mistakes that will cost them exponentially over time. They need human advisers, not just robo-advisers who offer no guidance. Advisers can tap into the millennial IRA market through...

Congress seeks to kill DOL rules on state, city auto-IRA programs

February 8, 2017

Republicans are trying to take more Obama-era retirement regulations off the books, their most recent target being Labor Department rules promoting the establishment of auto-IRA programs by cities and states. Two House Republicans introduced...

DOL's new FAQs on fiduciary rule focus on circumventing fiduciary status

January 18, 2017

The Department of Labor has issued a second set of answers to questions frequently asked by advisers about its new conflict of interest rule. The document reiterates, reinforces and clarifies key concepts at a technical level through the use...

DOL proposes allowing some insurance intermediaries to use a BICE under fiduciary rule

January 18, 2017

The Department of Labor issued a proposed rule Wednesday that would ease compliance with its fiduciary rule for some distributors of fixed annuity products such as indexed annuities. The rule is a proposed class exemption that, if granted, would...

Most small employers oppose state, federal government as auto-IRA sponsors: survey

January 13, 2017

While the vast majority of small-business owners support the idea of offering auto-IRAs to their employees, most oppose the plans being sponsored and administered by the state or federal government, according to a survey conducted by The Pew...

10 important client considerations with 401(k) rollovers

January 12, 2017

A tremendous amount of money flows from 401(k)s to IRAs every year through rollovers as individuals retire, switch jobs or just consolidate their wealth. Financial advisers are eager to serve this marketplace due to the opportunity involved....

John Hancock picks robo for retirement accounts

January 10, 2017

John Hancock Retirement Plan Services will integrate NextCapital's digital 401(k) platform and begin offering its automated retirement plans and IRA rollovers over the next 12 months. NextCapital's robo-platform allows retirement plan participants...

What's in your IRA? GAO says retirement accounts hold lots of 'unconventional assets'

January 10, 2017

Individual retirement accounts held roughly $50 billion in “unconventional assets” in half a million accounts at the end of 2015, according to a report published Monday by the Government Accountability Office. Real estate, private equity...

DOL issues final rule on city retirement programs

December 19, 2016

The Department of Labor today issued final rules governing retirement programs established by large cities and counties, in the most recent effort by the Obama administration to help plug the retirement coverage gap. The regulation, which will...

DOL fiduciary rule delay likely and death not out of the question

December 16, 2016

Post-election, the fate of the Department of Labor's fiduciary rule is in question. Confusion and speculation about how, when and if the rule will move forward threaten to distract firms from planning and preparing for its scheduled implementation...

Year-end required minimum distribution planning alert for first-timers

December 8, 2016

The first baby boomers turned 70 ½ in 2016. The rules can be confusing for new required minimum distribution clients, so here are a few pointers to review with your first-timers. Required minimum distributions begin in the year a client turns...

Time for 401(k) plans to step into the modern age

December 4, 2016

The world of work has changed dramatically in the past 20 years, but some of our laws and customs have not kept up with these changes. The result can be harmful for workers who are relying on employer 401(k) savings plans to fund their retirement....

Wells Fargo to keep commission retirement accounts under DOL fiduciary rule

December 2, 2016

Wells Fargo Advisors has elected to keep commission retirement accounts intact under a Labor Department regulation governing investment advice, a decision that comes as uncertainty looms over the rule's fate. The wirehouse made its announcement...

Why it would be a mistake for advisers to stop implementing the DOL fiduciary rule

December 1, 2016

After Donald Trump's election victory, many are wondering what to expect with respect to the Department of Labor's recently adopted fiduciary rule, which governs investment advice related to retirement plan assets. It is no secret that Mr. Trump...

IBDs overwhelmingly say Trump should revoke fiduciary rule: survey

November 29, 2016

Registered representatives of independent broker-dealers overwhelmingly believe president-elect Donald Trump should revoke the Labor Department's fiduciary rule, according to a survey conducted by the Financial Services Institute Inc., a trade...

Reversal on IRA-commission stance unlikely for Merrill if DOL fiduciary rule repealed

November 21, 2016

It's highly unlikely Merrill Lynch would reverse its position on scrapping IRA commissions if the Labor Department's fiduciary rule were to be repealed under Donald Trump's administration, according to industry-watchers. Marketing plays a large...

Advisers can't be passive when it comes to DOL rule's fiduciary principles

November 17, 2016

All professional advisers have a common mandate — to serve clients' best interests. This is a defining characteristic of what it means to be a professional in the classic sense of the word. With the advent of the best-interest contract exemption,...

Capital One will eliminate commissions on IRAs

November 16, 2016

Capital One Investing, the brokerage arm of Capital One Financial Corp., will be eliminating commissions on advised individual retirement accounts by next year. The company announced Wednesday that the advised IRAs will move to level-fee pricing...

The other DOL retirement regulation Trump and the GOP may scuttle

November 16, 2016

The potential repeal of Dodd-Frank and the Labor Department's fiduciary rule has dominated discussion among financial circles following Donald Trump's presidential-election win last week, but one regulation has largely gone unmentioned: that...

Adviser's Consultant: Adding value with tax services

November 10, 2016

Staying competitive in the financial advice market requires professionals to provide a breadth of services beyond investments, and tax guidance is a natural fit, according to Michael Goodman, founder and president of Wealthstream Advisors. He...

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