Results for "defined benefit plans"

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Is your core strategy getting flabby?

December 21, 2014

With a historic amount of assets shifting between asset management firms, many retirement plan advisers and plan sponsors are re-examining their bond investing strategies. Just about every plan participant has an allocation to core bonds, which...

Financial planning issues wrapped into government spending bill?

December 8, 2014

Members of Congress are considering adding provisions to the government spending bill that would impact at least two crucial issues for financial advisers: the DOL's action on fiduciary duty and the right of pensions to cut benefits. On Monday,...

Integrate college, retirement plans

November 30, 2014

Since September, I have been in front of at least $5 million of potential new assets under management almost every week. How? I help parents determine their best strategy to pay for college and save for retirement. I focus on four key areas:...

Rollovers of 401(k)s into pension plans gets government agency backing

November 26, 2014

The Pension Benefit Guaranty Corp. on Tuesday finalized a rule to allow participants to push 401(k) assets into pensions, nudging employees to consider annuitizing these funds while curbing their ability to draw from the money before they retire....

Government workers get first crack at phased retirement

November 23, 2014

Virtually every survey of American workers finds the majority would like to ease into retirement, perhaps working part time for a few years before calling it quits completely. The problem is, corporate America has been slow to embrace the phased-retirement...

Retirement plan sponsors want more from advisers

November 20, 2014

Retirement plan sponsors want better service from financial advisers, according to Fidelity Investments'annual survey on plan sponsor attitudes. “We're seeing that the conversation between plan sponsors and advisers is starting to change,”...

Public pensions put Pimco on watch after Gross exit

October 13, 2014

The departure of William H. Gross from Pacific Investment Management Co. might end up cutting deeper into his personal reputation than into the $1.87 trillion in assets under management at the firm he was synonymous with for 40 years. Mr. Gross'...

How public employees can get around Social Security restrictions

October 8, 2014

In a recent column, I wrote about rules that can reduce or eliminate Social Security benefits for public sector employees. I explained that there are two sets of rules. The first, the Windfall Elimination Provision, applies to some federal,...

Learning how to handle stressed clients

October 5, 2014

In her first 10 weeks in the financial advice profession, Amanda Moore learned that advisers deal with clients at tense moments in their lives. Ms. Moore, 23, a resident in financial planning at Cornerstone Wealth Advisors in Edina, Minn., is...

Deadline looms for small-business 401(k) plans

September 25, 2014

The deadline for advisers to nudge their small business clients into opening a basic retirement plan is right around the corner. Small employers hoping to set up a new SIMPLE IRA, SIMPLE 401(k) or a safe harbor 401(k) have until Oct. 1 to do...

Strategies arise to take advantage of new IRS after-tax rollover

September 24, 2014

Advisers are weighing strategies in light of the IRS' recent announcement on its treatment of after-tax money in 401(k) plans, but those opportunities might be hard to come by at the employer level. Last week, the Internal Revenue Service released...

3 tips for tomorrow's retirement plan adviser

September 21, 2014

25 years ago, the main focus for retirement plan advisers was picking funds for a 401(k) in-vestment menu. While that seems increasingly anachronistic, one of the original selling points of the 401(k) was that it offered a broad range of choice...

Social Security offset rules can cut or eliminate benefits

August 28, 2014

As a financial adviser, it is critical to know whether your clients who have worked for city, state or federal government — or in some cases, public school systems — may be affected by rules that can reduce or eliminate their Social Security...

Lump sum or monthly pension? How I made my decision

August 17, 2014

Recently, an investor wrote to me asking if he should accept his employer's offer of a lump-sum payout in lieu of a monthly pension. Of course, such a decision depends on a person's financial needs, life expectancy and access to other assets,...

Soldiers lured out of federal retirement plan

August 12, 2014

John Turner suspected that brokers were encouraging federal workers to ditch their top-flight retirement plan. So he went under cover. The former U.S. Labor Department economist called representatives at companies such as Bank of America Corp.,...

GAO report calls for more disclosure of managed accounts in 401(k)s

July 31, 2014

The U.S. Government Accountability Office is calling on the Labor Department to step up disclosure requirements for managed accounts in 401(k) investment lineups. In a 92-page tome released on Tuesday, the GAO discussed its analysis of eight...

Retirement: From theory to practice

July 15, 2014

After decades of writing about retirement planning, I finally get to eat my own cooking — at least the appetizer course. My husband, Mike, retired June 30 after more than 20 years as a federal government employee. On July 1, we began a new...

Missouri bars pension advances for public workers

July 9, 2014

Missouri's governor Jay Nixon on Tuesday signed a law that made it the first state to bar pension advances — a practice wherein retirees are offered a lump sum in exchange for signing over all or part of their income stream — for public...

Pension advance companies rip off retirees, GAO report says

July 8, 2014

So-called pension advance companies are taking advantage of retirees by offering lump-sum payments in return for a piece, or all, of their monthly pension income, according to a Government Accountability Office report. Through undercover investigations,...

Hartford Financial Services Group names a new CEO

June 9, 2014

Hartford Financial Services Group Inc. promoted Christopher Swift to chief executive officer to replace Liam McGee, who is stepping down after a medical procedure related to a brain tumor. Mr. Swift, the 53-year-old chief financial officer who...

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