Plan Participants
On Nov. 22, the American Retirement Association provided information to the Labor Department on the general disclosure framework under the Employee Retirement Income Security Act of 1974 (ERISA), focusing on “design, delivery, and content.”
The Request for Information (RFI) accompanied a...
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In its 3Q 2019 analysis of retirement trends, Fidelity Investments found that market conditions in the third quarter caused average account balances to dip slightly after reaching near-record levels the previous quarter. And while 403(b) balances dipped in the short term, longer-term results were...
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Few read mandated fee disclosures; the disclosures may mislead more than they inform.
In 2012, I analyzed the EBSA’s fee disclosure regulations. Here’s part of the abstract from my paper.
“Over the next 10 years, let’s increase the fees paid by individual account plans, like the 401(k), by...
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Plan sponsors look to their websites for a wide range of information, but recordkeepers have work to do regarding their design and features, say analysts who studied sites and users’ experiences.
At the recent SPARK Forum in Palm Beach, FL, Olivia Jack and Andrew Way of Corporate Insight presented...
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In MarketBeat, Shelby George and Cherie Moser discuss what employers can do to provide participants with financial wellness programs that assist with financial education and cash flow tools.
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The IRS has announced cost-of-living adjustments affecting dollar limitations for pension plans and other retirement-related items for tax year 2020. The 2020 limits are contained in Notice 2019-59, released Nov. 6.
The limits for 2020 are as follows:
The limitation under Code Section 402(g)(1)...
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Tech Talk addresses whether a 403(b) client who left the current employer at age 52 and is now age 55 can take withdrawals from the account and not incur the 10% penalty under the Age 55 Rule.
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The 457(b) market may not draw as much attention as its flashier DC plan cousins, yet its market includes millions of people and entails nearly $1 trillion in assets. A recent NTSA webinar offered a look at the 457(b) market’s unique features and potential.
In “Understanding the $1 Trillion Dollar...
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Expert insights and the experience of the best of the best are available in a new format. The NTSA is offering 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...
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The Securities and Exchange Commission (SEC) has announced that it is undertaking several teacher investment outreach efforts. The new efforts are part of the SEC’s Teachers Initiative.
The new initiatives include:
the launch of a podcast series for public school educators;
nationwide events...
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In Episode 5 of the WOWcast series, past NTSA President and inaugural NTSA Elite Advisor Randy Aranowitz speaks with 2016 NTSA President and 2019 Elite Advisor Robert Young, President of One2One Wealth Strategies.
In Parts I and II of Episode 5, they discussed building a business, serving clients...
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In MarketBeat, Nevin Adams writes that he wonders about how workers view the admonitions about how much they are supposed to be saving and how they act on them.
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Paper covers rock – but will it be enough to break scissors?
A consortium (an alliance of consumer organizations, labor unions, rural advocates, and print communications industry organizations) calling itself the Coalition for Paper Options – has officially called on the Trump Administration to...
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In Episode 4 of the WOWcast series, past NTSA President and inaugural NTSA Elite Advisor Randy Aranowitz speaks with Wat Keys, Vice President and financial advisor at CAPTRUST and one of the 2019 Elite Advisors.
In Part I and III of Episode 4, they discuss what inspires Keys serves his clients...
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Like their 401(k) brethren, 403(b) programs have taken steps to boost contribution and participation rates – and that’s not all they have in common.
According to the 11th annual 403(b) plan survey from the Plan Sponsor Council of America (PSCA), increased contributions by both participants and...
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NTSA has established the Elite Advisor Council, dedicated to service, leadership and mentoring. The NTSA Elite Advisor Council is committed to giving back to the industry by enabling NTSA Elite Advisors to have an enhanced platform for working with NTSA members and the retirement community of...
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TechTalk addresses the rules for 403(b) distributions after severance of employment.
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NTSA has established the Elite Advisor Council, dedicated to service, leadership and mentoring. The NTSA Elite Advisor Council is committed to giving back to the industry by enabling NTSA Elite Advisors to have an enhanced platform for working with NTSA members and the retirement community of...
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The cost of health care and the effect it could have on their retirement is a top concern for a strong majority of older adults, according to a new study, And there is widespread lack of appreciation for an understanding of health savings accounts (HSAs).
Nationwide Retirement Institute’s “Long-...
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The NTSA has unveiled the "403(b) Plan Enhancement Guide," a new white paper that highlights opportunities that can help increase participation and savings for the nation’s public education professionals. The new white paper builds on the NTSA’s 2018 survey of public education 403(b) retirement...
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