Service Providers
Be ready for more of the same regarding attention to fees charged plan sponsors and participants. That is the 2016 prediction of Susan Mangiero, a certified Financial Risk Manager, Accredited Investment Fiduciary Analyst, Certified Fraud Examiner and Professional Plan Consultant.In her blog,...
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Suppose you have a client who contributes to a 403(b) and 457(b) and is over age 70½. Can he contribute to a Roth IRA? In Tech Talk, Ellie Lowder tells us.
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It’s the time of year when Santa — and those who work with 403(b) plans — are making their end-of-year lists — and checking them twice.To that end, the lawyers at Snell & Wilmer have prepared the following end-of-year “to do” list for 403(b) plans. Adopt Design Changes by the End of the Plan...
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Among the strongest trends of the outgoing year: growth in employee engagement in their financial wellness, use of annuities and offerings of qualified longevity annuity contracts (QLACs). And next year may bring more of the same. So say two recently released studies that look at what’s been...
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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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There's a lot of information out there concerning “robo advisors.” In MarketBeat, Robert Young argues that the trend is here to stay, but that human advisors remain important.
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The long-running controversy over the pension woes of the city of Jacksonville, Fla. is closer to resolution. Justice Marcia Morales Howard of the U.S District Court for the Middle District of Florida said Oct. 28 that she will oversee a pension reform deal between the city and the pension fund...
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The Department of Labor’s (DOL) proposed fiduciary rule would make many changes. One of them — and one central to what constitutes a fiduciary act and who a fiduciary is — is what constitutes a recommendation.And that was one of the topics addressed by panelists in a discussion at the recent LIMRA...
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There’s not much time left in 2015, and that applies to more than just the calendar. It also applies to certain required minimum distributions (RMDs). The IRS issued a reminder in IR-2015-122 on Oct. 29 that those born before July 1, 1945 generally must receive payments from their IRAs by Dec. 31....
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A recent panel discussion the Indexed Annuity Leadership Council (IALC) held in Washington, D.C. titled, “The State of American Retirement: Navigating the Gender Imbalance,” made a strong case for more attention being paid to better enabling women to engage in financial planning.Cindy Levering of...
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Every interaction we have with somebody trains them what to do with us the next time. That is part of the core of the message Shari Harley, founder and President of Candid Culture, delivered in the latest NTSA Podcast, “Candid Culture: How to Take (and Give) Constructive Feedback.” The human brain...
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ERISA does not preempt the application of all federal laws and regulations to retirement plans — and that includes website privacy standards set by the Federal Trade Commission.In a recent post on his Business of Benefits blog, Robert Toth, Principal at Toth Law, discusses a recent court ruling on...
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Shari Harley brought her “Candid Culture” leadership style to the 2015 NTSA 403(b) Summit in Nashville, discussing ways that advisors can give and receive criticism openly and respectfully, while improving relationships with their clients. Now, she’s sharing those best practices on NTSA Net, as the...
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Require general partners to do a better job of disclosing private equity fees. That’s the message that treasurers from states in every region of the United States, as well as two of its largest cities, sent to Securities and Exchange Commission Chair Mary Jo White in a recent letter.The treasurers...
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Robo-advisors may pose a threat to human advisors, but they also offer opportunities, Kent Schutte and Robert Young suggest in the newest NTSA podcast.Why are robo-advisors growing? Schutte, NTSA’s current president, and Young, the current president-elect, offer several explanations: they are a...
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At the start of her keynote speech opening the second day of the 2015 NTSA 403(b) Summit, business management speaker Shari Harley stood off to the side of the ballroom, and asked if it was easier for the audience to hear and see her there, or across the room on the stage where everyone was...
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Bipartisan legislation introduced in the U.S. House of Representatives June 4 would allow pension plan participants to be automatically opted in to electronic delivery of documents. And a recent study suggests that the sponsors of the bill have good timing. Rep. Jared Polis (D-Colo.) introduced...
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The Retirement Advisor Council (RAC) announced on March 12 that it has developed a template request for proposal (RFP) for institutions of higher education to use in searching for advisors for their retirement plans. RAC makes the template available free of charge and with no copyright restrictions...
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