Category Archives: Plan Sponsor
Equity Defense + Inflation
Below is a recent article from the Wall Street Journal regarding some ideas about protection from declining stock prices and rising inflation. The article mentions a lot of many methods to protect one’s assets: high yield bonds, variable rate bonds, … Continue reading
New and Improved
We have been diligently making changes to our website in response to requests from the 401(k) community. We have been studying up on behavior finance theories and how best to use them to address some important concerns of 410(k) plan … Continue reading
Deferred Annuities – When?
Below is a link to an interesting article regarding annuities that just appeared in the Wall Street Journal. The article mentions that many insurance companies are offering annuities in which the income is deferred for several years. It is aimed … Continue reading
Good News for 401(k) Participants and Sponsors
Two days ago, the Department of Labor released the final terms of the new Fee Disclosure Regulations. In the release they mention that additional disclosure, beyond that discussed in interim bulletins, will be required of service providers who receive indirect … Continue reading
To All Plan Sponsors – A New Roadmap?
A few weeks ago, a very important and long-standing lawsuit was finally settled. And guess who won – the workers! (The following is based on an article in Forbes, the link of which is found below.) Both Wal-Mart and Merrill … Continue reading
Our Approach – A Whimsical Touch
In our last post we discussed 10 issues that are keeping workers from accessing the retirement planning tools made available by their employers. Just to repeat the 10 issues: 1) expensive, 2) biased (perceived or real), 3) not effective or … Continue reading
Workers with Access to Financial Planning not Using Services? Why?
Recently, the Wall Street Journal reported that less than 25% of workers that have access to professional retirement planning through their employers do not use such services. Why? This is a very baffling question with very serious and negative consequences. … Continue reading
2012 – The Year of Fee Transparency
Good News for everyone with a 401(k) account. Beginning in 2012 the Department of Labor is requiring that expenses and fees associated with 401(k) accounts be disclosed to all plan participants. In the past, this was not the case. This … Continue reading
