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News Archive
In the midst of historic market volatility, a new survey of retirement plan sponsors and retirement plan advisors reveals gaps in focus—and perception—about the role of fixed income investments in a fully diversified 401(k) menu.
The new survey—sponsored by Janus Henderson Investors, conducted...
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In a June 10 NTSA Webcast, “A Tech-Driven Approach to Advice,” Tom Lakatos, VP—Branch Development, Lincoln Investment, discussed how to integrate technology into a practice in such a way that increasing efficiency does not come at the expense of effectiveness.
Setting the Table
“There’s a...
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An annual fee study evaluating trends in the cost of U.S. open-end mutual funds and exchange-traded funds (ETFs) finds that the asset-weighted average expense ratio dropped to 0.45% in 2019.
Morningstar’s 2019 U.S. Fund Fee Study released June 8 found that the asset-weighted average expense...
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How about a little good news? In MarketBeat, John Iekel discusses a recent analysis that offers insights on retirement savings since 1989 and prospects for the future that bode well.
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Tech Talk addresses whether distributions can be made from a 403(b) to cover expenses related to an adoption or the birth of a child.
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The New York Regional Office of the Employee Benefit Security Administration is said to be seeking a long list of information from plans with ESG funds—about the selection and review process for those options.
[UPDATED JUNE 17, ADDING A LINK TO THE LETTER]
In recent weeks, there have been reports...
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In Segment I of the 13th Series of the NTSA WOWcasts, NTSA Past President Randy Aranowitz interviews 2015 Elite Advisor Kathy Cawley, President of the Voyager Group, Ltd. They discuss Cawley’s background and she provides an overview of her business.
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The IRS and Treasury are inviting the public to make recommendations regarding items to include in the 2020-2021 Priority Guidance Plan. The IRS made the announcement on June 10 in Notice 2020-47.
The 2020-2021 Priority Guidance Plan will identify guidance projects that the Treasury Department and...
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As the Coronavirus pandemic continues to wreak havoc on the economy, a new study finds that many Americans are dipping into their retirement accounts to pay for essentials.
The survey by MagnifyMoney found that, of those with a retirement savings account, 3 in 10 have withdrawn funds from...
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NOW ... before time runs out ... Nominations are open for the 2021 Richard Ford Volunteer Service Award. You can find out more here.
This prestigious award recognizes NTSA Volunteers who also give back to their communities through service. Terms and Conditions are here.
Consider all the...
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Does the Department of Labor’s fee transparency regulation cover tax-sheltered annuity programs that are ERISA-covered 403(b) plans?
DOL Field Assistance Bulletin No. 2012-02 says yes. Under Section 401 of ERISA, the regulation covers 403(b) plans established or maintained by tax-exempt...
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As the years proceed, the employer may wish to amend the plan document to include or delete certain plan features or provisions. These are voluntary amendments.
So, for example, the employer may choose to add Roth elective deferrals, or loan provisions or delete one of these from the plan. The...
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Among the effects of the sudden economic downturn that the pandemic sparked are misgivings about retirement planning and financial prospects for retirement. But a recent report suggests that that sentiment and effect may be easing.
Confidence in the economy has been sliding this year, LIMRA...
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In MarketBeat, Ted Godbout discusses a white paper that examines the recent history and trends relating to excessive fee claims, plan features that may make them a target of litigation and steps fiduciaries can take to reduce exposure to excessive fee lawsuits.
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Tech Talk addresses when a plan sponsor must send elective deferrals to a vendor.
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Legislation now before the Ohio House of Representatives would create a defined benefit plan for employees of private sector employers. It is believed to be the first such state proposal utilizing a DB plan rather than a defined contribution plan.
HB 645, introduced May 19 by Reps. Stephanie...
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It seems like a lifetime ago since President Trump signed the Setting Every Community Up for Retirement Enhancement (SECURE) Act into law. But Dec. 20 was just five months ago, and the dust is still settling. A recent blog entry takes a look at its effect on part-time employees.
In “Secure Act...
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The NTSA Richard Ford Volunteer Service Award is established in honor of the unique, lifelong volunteer efforts of Richard Ford, a lively and dedicated NTSA volunteer since the start of the NTSA; it honors and promotes NTSA members’ volunteer and service work. In Part III of a special, three-part...
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All public educational institution employers that sponsor a 403(b) plan must have a written plan that must contain certain mandatory provisions and may contain other optional provisions.
Employers must have adopted a valid 403(b) plan no later than Dec. 31, 2009, which conformed to the...
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President Trump on June 5 signed into law a measure that provides additional flexibility for small businesses under the Paycheck Protection Program. The U.S. Senate had approved the bill by voice vote on June 3, and the U.S. House of Representatives passed it on May 28 by a 417-1 vote.
The...
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Recent Comments
Does the roth requirement for catch-up contributions for people who earned $145,000 apply to 457...
Hi Ed,
I really liked this article and I think you make a lot of sense. And I had no...
I believe there's a misstatement in that last quote - it should refer to governmental and...
Working with several medical providers as clients, I note that the high-end earners tend to push...
Congratulations to NTSAA for landing a good one. Nathan's breadth of experience and...