Results for "401(k)"

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Retirement chatbot tells the real story about investors' greatest retirement questions

December 6, 2018

If clients could ask any single question about retirement without any fear of judgment or embarrassment, what would it be? Contrary to what many advisers think, or hope, investing advice is far from their top concern. What people really want...

401(k) dilemma: Advisers weather a fog of uncertainty surrounding IRA rollovers

December 1, 2018

It's perhaps the most important inflection point of a client's financial life and one of the most lucrative for an investment adviser or broker — and with millions of baby boomers heading into their golden years of retirement, IRA rollovers...

Regulators have a sharp eye on IRA rollovers, so advisers must act cautiously

December 1, 2018

After the Department of Labor's fiduciary rule for retirement advice was killed earlier this year, many brokers likely breathed a sigh of relief. Now things could return to normal, especially in regard to IRA rollovers, a lucrative part of many...

Plan advisers should offer what 401(k) sponsors really want

December 1, 2018

As outlined in my recent column, "Here's how the 401(k) world will evolve over the next three years," the adviser-sold 401(k) and 403(b) markets will experience rapid change in the next three to five years. So what are the key drivers, and how...

DOL set to give 401(k) advisers' businesses a boost

December 1, 2018

The Department of Labor is expanding what retirement plan advisers can offer small-business clients courtesy of new rules the agency proposed around multiple-employer plans. Although the regulations are narrower than some industry members had...

Rollover tip sheet: What advisers should consider

December 1, 2018

Just as location, location, location is often said to be the key to good real estate, rollover recommendations have their own mantra: document, document, document. Here are some factors, based on checklists used by advisers and suggested by...

Near-retirees get a Halloween scare

October 31, 2018

Who needs to watch reruns of "Friday the 13th" horror movies for cheap Halloween thrills? A quick glance at the financial news, including the heart-stopping 900-point swing in the Dow Jones Industrial Average in intraday trading Monday, is enough...

Future retirees focus on taxes

November 1, 2018

In the past, retirees relied on their accountants for tax advice. But future retirees increasingly are looking to their financial advisers for guidance on how to maximize their spendable retirement income by minimizing their taxes, according...

Vanguard rolls out HSAs for 401(k) participants

November 15, 2018

Vanguard Group will start offering health savings accounts to its defined-contribution-plan clients, the retirement-plan record keeper and asset manager announced Thursday, capitalizing on the increased popularity of HSAs. Vanguard, the largest...

DOL proposes rule to reduce leakage in 401(k) plans

November 8, 2018

The Department of Labor proposed a rule late Wednesday that's meant to stanch the flow of money out of 401(k) plans, an issue that has long troubled retirement policymakers. The Labor Department's proposal promotes the idea of "auto-portability,"...

Millennials are a growth engine for 401(k) advisers

November 7, 2018

If only millennials had more money, they would be at the top of every investment adviser's list of target markets. Today, millennials (born from 1982 to 2000 and numbering 83 million in the U.S.) comprise one-quarter of the U.S. population and...

Employees can now save in a 401(k) by using a credit card

November 7, 2018

Spending and saving are kind of like oil and water — they don't mix well together. But one company is trying to link credit-card spending to increased retirement savings, and financial advisers are taking notice. Earlier this year, EvoShare...

Jackson National to settle 401(k) self-dealing lawsuit for $4.5 million

November 5, 2018

Jackson National Life Insurance Co. has reached a $4.5 million settlement in a self-dealing lawsuit that alleged the company profited at the expense of its employees by adding high-cost proprietary investment funds to its 401(k) plan. The settlement...

Providing incentives for annuities within retirement plans

October 15, 2018

TIAA was founded 100 years ago by Andrew Carnegie to provide college professors with retirement income through employment-based annuities. This was an innovative concept for the time, predating the Social Security system by two decades. The...

Unintended fiduciary consequences of 401(k) fee compression

October 24, 2018

The Employee Retirement Income Security Act was enacted in September 1974. The Securities and Exchange Commission abolished fixed-rate commissions on trading in May 1975. These were the twin fire-starters of fee compression, and the flame continues...

Automatic enrollment in small-business plans is working

July 12, 2018

Corroborating behavioral finance insights on saving habits, a survey by Vanguard of 8,900 small-business retirement plans found that those having automatic enrollment enjoyed an 83% participation rate, versus 58% for plans with voluntary enrollment....

Here's how the 401(k) world will evolve over the next three years

October 23, 2018

The financial services industry moves at a snail's pace, set up to resist change and repel outsiders. The last major disruptors were Charles Schwab and Vanguard Group's John Bogle, both very old men now. But the 401(k) world is about to change...

Trump to issue executive order to expand retirement savings rules for small businesses

August 31, 2018

President Donald J. Trump plans to issue an executive order Friday directing his administration to make it easier for small businesses to band together to set up retirement-savings plans. The order, to be signed in North Carolina ahead of the...

Wells Fargo wouldn't be the first to push proprietary products on 401(k) plan participants

April 27, 2018

The disclosure of an alleged Labor Department investigation of Wells Fargo sales practices — including those in its retirement-plan services division — is sure to raise a few eyebrows, but should this sort of thing really be a revelation...

House approves retirement-savings bill that eases use of annuities in workplace plans

September 27, 2018

Legislation approved by the House of Representatives Thursday would make it easier for employers to include annuities in workplace retirement plans. The provision, which clarifies how firms can satisfy their fiduciary responsibilities when selecting...

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