…part of a solid and well-planned investment strategy. NOTE: Information presented herein is for discussion and illustrative purposes only and is not a recommendation or an offer or solicitation to buy or sell any securities. Past performance is not a guarantee of future investment results….
…installment payments offer you the ability to create an income stream and payment cycle that works best for you. Considerations As with a savings accumulation plan, we recommend you devise a decumulation strategy. Realistically determining what one expects to comfortably spend on a monthly basis…
…quality and transparency of investors’ relationships with investment advisers and broker-dealers. Under the SEC’s proposed “Regulation Best Interest,” a broker-dealer would be required to act in the best interest of a customer when making a recommendation of any securities transaction or investment strategy involving securities…
…manages over $1 billion in internal bond portfolios and provides analytics and strategy for Pentegra’s Defined Benefit and Defined Contribution Plans. Mr. Slade holds a Ph.D. in Economics from University of Pennsylvania and a CFA, and has presented at a number of seminars and conferences….
Answering the “Why Us?” Question Whether retirement plans are core to your practice or part of a larger strategy to help clients, you’ll compete more effectively if you successfully communicate how you differentiate yourself from other advisors. From the perspective of many business owners,…
…One remaining issue that should be addressed: The sales and marketing strategy needed to educate clients about MEPs, PEPs and GoPs. How do you go about explaining them to potential customers? Is a PEP the right solution, or should the client be considering other options?…
…of plan participants and beneficiaries. But unfortunately, in this case the bank failed to follow all the guidelines, which include providing that a plan’s investments are diversified. Instead, they were putting 100 percent of the plan’s assets into a very rich profit-sharing plan via certificates…
…include: must be run by a PPP (Pooled Plan Provider); must designate one or more bank[2] trustees who are not participating employers to ensure contributions are properly collected and remitted and hold assets for safekeeping; no unreasonable restrictions, fees, or penalties. Electronic Delivery as the…
As a financial advisor, you know that the people who exercise control and authority over the management of a retirement plan’s assets are fiduciaries. So are professionals who provide investment advice with respect to those assets. In most cases, plan sponsors understand that they,…
…plan participants and their beneficiaries. With these responsibilities, fiduciaries may be personally liable to restore any losses to the plan, or to restore any profits made through improper use of the plan’s assets resulting from their actions. That may sound daunting, but there are steps…
…boost from lower interest rates in the second quarter. The Federal Open Market Committee (“FOMC”) reduced its monthly asset purchases by an additional $10 billion to $35 billion. Eyes will soon turn to the FOMC’s reinvestment plan once the asset purchases wind down at year…
…election, how the assets will be invested. The notice also must describe the QDIA, including the investment objectives, risk and return characteristics, and any fees and expenses involved. And it must explain the employee’s right to transfer assets invested in the QDIA to other plan…