Practice Management
In Segment I of the 14th Series of the NTSA WOWcasts, NTSA Past President Randy Aranowitz interviews Adam Pearce, CFP®, CRES CERTIFIED FINANCIAL PLANNER™, who is a 2016 Elite Advisor and NTSA Past President. Pearce is part of Lincoln Investment’s Phoenix AZ office and provides an overview of his...
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Near the end of a term of every presidential administration, there’s always a push to finalize key regulatory proposals before a potential new president or Congress can overturn them. And this year appears to be no different.
Released by the White House’s Office of Information and Regulatory...
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Tech Talk addresses what an excess contribution is.
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A surprising number of employers have opted NOT to offer the COVID-related distribution (CRD) relief under the CARES Act. But the employer’s decision is not the final word on this matter, because the statute grants participants specific tax benefits regardless of the sponsor’s choice. So what does...
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The Department of Labor cautions that “fiduciaries who no longer want to serve in that role cannot simply walk away from their responsibilities, even if the plan has other fiduciaries. They need to follow plan procedures and make sure that another fiduciary is carrying out the responsibilities left...
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The NTSA offers an exclusive series of podcasts — the NTSA Elite Advisor WOWcasts — recorded by NTSA Elite Advisors, sharing insights on ways to build, expand and enhance your practice.
NTSA Elite Advisors are the “best of the best” — excelling in advocacy, practice management and leadership....
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The Labor Department has finally unveiled its much anticipated fiduciary rule, though it’s a mixed bag and has a certain “back to the future” feel, along with some new implications for recordkeepers, Pooled Employer Plans and rollover advice.
Titled “Improving Investment Advice for Workers...
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As if 2020 hasn’t been enough fun… now it’s the official hurricane season (the National Oceanic and Atmospheric Administration says it starts June 1). And we’ve already had four tropical storms in the Atlantic: Arthur, Bertha, Cristobal and Dolly—which serves as a reminder that it can be helpful...
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Following are some tips concerning enrollment of participants.
If applicable, provide employee census information before each entry date to determine eligibility.
Evaluate eligibility to determine who enters the plan on each entry date.
The enrollment package should include information...
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In Part III 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 efforts to help clients generate income and her involvement in a Directors’ Circle, as well as what the...
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Building a practice is always an important concern. But when a circumstance such as that with which retirement plan professionals must contend this year—namely, a pandemic—intervenes, that effort becomes more complicated.
In a June 17 webinar, NTSA Past President Tamara Indianer, CFP®, AIF®, CRES...
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In Part II 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 business model operations, tax service and self-publishing.
In Part I, NTSA Past President Randy Aranowitz...
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Plan administration can be overwhelming to an employer. There are many moving parts to the day-to-day administration of a 403(b) plan. Here are some basic rules to follow:
Follow the terms of the plan. Employers must operate their 403(b) plans according to their written programs or the plans...
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Some employers are responding to pandemic-related economic stresses by suspending employer contributions to employees’ retirement plans and accounts. A recent blog entry notes that some employers are thinking about suspending required employee contributions and asks whether automatic enrollment may...
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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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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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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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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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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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