Financial Literacy
Four NTSA leaders – Tamara Indianer of Lincoln Investment, Bill Fisher of Penserv, Paul Prete of Foresters Financial and I – introduced the NTSA Certified Retirement Education Specialist (CRES) initiative at a Jan. 28 session of the organization’s 30th Anniversary Summit in Tampa.
The CRES will be...
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Editor’s Note: ERISA Tips is a feature provided with you in mind — to make the newsletter more useful to you! If you have any content for ERISA Tips or the 403(b) Advisor that you would like to contribute or suggest, please contact John Iekel, editor of the 403(b) Advisor, at jiekel@usaretirement....
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“I would encourage caution among policymakers when considering dramatic changes to retirement policy for tax policy purposes,” former Sen. Kent Conrad (D-ND) told the Senate Committee on Banking, Housing, and Urban Affairs’ Subcommittee on Economic Policy on April 5.“As tax reform discussions...
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The great majority of people face financial stresses of some kind, and that includes retirees. A recent article takes a look at some of the key challenges they face and their impact on retirement benefits.In “Retirees at Risk: Five Key Challenges Retirees Face and the Impact on Their Retirement...
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Employer-provided retirement benefits in general are holding steady, according to the Society of Human Resource Management (SHRM). In “2016 Employee Benefits: Looking Back at 20 Years of Employee Benefits Offerings in the U.S.,” SHRM reports that some aspects of employer-provided retirement...
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“Act your age!” An admonishment usually reserved for young people, but not exclusively. T. Rowe Price recently developed a way for individuals to find determine if they act their retirement savings age. And interestingly, they found that the most retirement-savvy generation may be — of all things...
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Employers are required to provide meaningful opportunity to employees to participate in their 403(b) plans or make contribution changes — and that includes low-income employees. In MarketBeat, Ellie Lowder discusses how the saver’s tax credit can help make it possible for those employees to...
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The Financial Services Roundtable recently hosted an event on Capitol Hill that amounted to a retirement counseling session for Millennials working in Congress.Headlining the event was the youngest woman ever elected to Congress, Rep. Elise Stefanik (R-N.Y.). A freshman member first elected in 2014...
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The Baby Boom is beginning to pass the torch to succeeding generations, at least in the work force. And while the next generation after them may be Generation X, it’s the Millennials who are generating the most attention, due to their sheer numbers if nothing else. Their growing prominence means...
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A new survey finds that most workers strongly disagree with the statement, “My employer is responsible for providing for my retirement.”The study, “Investor Mindset: Attitudes, Concerns, Beliefs & Goals,” one of 10 sections of the Hearts & Wallets’ 2015 Investor Quantitative Database, not...
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Suppose the local school districts do not provide or even allow education of staff on financial matters. In Tech Talk, Ellie Lowder makes an offer regarding info such an employer can be provided on why that is important.
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In nearly half of the states, state pension benefits have changed — often in a way that reduces them. This not only hurts retirement accounts and income, it also heightens a sense of urgency in boosting participation in 403(b)s and 457(b)s in order to bolster employees’ savings. One of the ways to...
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