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Thanks to the changes resulting from the passage of the tax reform law, employee benefits programs are or will be improving. Willis Towers Watson, as reported in NAPA Net, surveyed over 300 large and mid-sized employers with 66% of those surveyed indicating they will probably be improving their benefits. Many companies have already done so....Read More

In a recent ThinkAdvisor.com report, Cerulli Associates for asset managers indicated that the “medium is just as important as the message when marketing to millennial investors. Younger investors need to be seen separately…it is crucial to identify products that are more likely to appeal to them…important differences can lie in the medium as much as...Read More

According to The Society of Actuaries’ most recent “Risks and Process of Retirement Survey”, there is a significant increase in consumers’ concerns about their finances both before and after retirement.  61% of pre-retirees indicated a sense of unpreparedness to handle expenses that could exhaust their assets in retirement. 47% of retirees also fell into this...Read More

Navigating Distributions Required Minimum Distributions (RMDs) Hardships and Loans Terminated Participants Mandatory Cash-Outs Under the New Tax Law 401(k) Loan Payback Period gets extended! Recharacterizations of IRAs… Can I take a mulligan? Navigating Distributions The first quarter of the calendar year typically sees an uptick in the number of retirement plan distributions and participant loans....Read More

According to a recent study from Finhabits, the states with the largest concentration of Hispanic residents had the lowest participation in retirement savings, and less than 10 percent of small business workers in the five top Hispanic metro areas of the United States have access to employer-sponsored retirement savings accounts. The lowest overall participation rates...Read More