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554 Matching News Items

1.  Video and Text: Steve Forbes Interview with Olivia Mitchell, Pension and Retirement Expert
Forbes; subscription may be required Link to more items from this source
Aug. 29, 2011
Certainly the pension structure in the U.S. is in grave trouble. State, local and municipal pension plans are underfunded by about $3 trillion ? probably about 65% funded, if you do the math their way. Probably about 30% funded, if you do the math, I think, the more accurate way.
2.  Towers Watson?Forbes Insights 2010 Pension Risk Survey
Towers Watson Link to more items from this source
Dec. 19, 2010
Excerpt: There is no sign that the decline in the sponsorship of active defined benefit (DB) plans has reversed. Neither is the extinction of DB plans imminent. Instead, the survey shows that most sponsors of active plans will continue to provide retirement benefits, although many will cut back on benefits, and some are indeed seeking to close or freeze. The task for pension plan sponsors, according to respondents, is to take action to manage risk and reduce liabilities.
3.  Do-It-Yourself Retirement: There's a Tool Kit on the Web to Help You Do It
Forbes; subscription may be required Link to more items from this source
May 25, 2005
Excerpt: As the box on page 94 [of this Forbes Magazine article] shows, a slew of sophisticated do-it-yourself retirement planning tools are now available on the Web at little or no cost to help you gauge your prospects and calibrate the tradeoffs you may have to make. [See 'The Best of the Web Retirement Planning Tools' at http://www.forbes.com/forbes/2005/0606/092sidebar.html.]
4.  Most and Least Expensive States for Health Care, Ranked
Forbes Advisor; subscription may be required Link to more items from this source
Nov. 11, 2022
"Health care costs averaged over $10,000 per person in 2020, but the exact amount varied by state. [Forbes] compared all 50 states and the District of Columbia across 11 key metrics using data from the Kaiser Family Foundation ... South Dakota topped the list of states with the most expensive health care, while Michigan is the cheapest."
5.  Fidelity 401(k) Price-Fixing Scheme Cost Retirement Savers Plenty
Forbes; subscription may be required Link to more items from this source
Sept. 12, 2012
"Anyone who believes that the marketplace for 401(k) plan services has been competitive over the past three decades or that there have not been widespread systemic abuses in the retirement savings industry, should study closely what Fidelity admits it did for four years from 2004 through 2008 -- until Forbes drew attention to the practice and Fidelity relented. By the way, it is likely that Fidelity was not alone in these practices and that they may continue at other 401(k) administrators."
6.  How Some Companies Shortchange 401(k) Participants
Forbes; subscription may be required Link to more items from this source
Jan. 7, 2010
Excerpt: In a new story on Forbes.com, William Barrett reports that companies that automatically enroll their workers into retirement savings plans like 401(k)s may not be as generous as they appear. Barrett writes, 'Even after controlling for the differences in match rates by company size and industry, the matches at firms with automatic enrollment were still about 7 percentage points, or 7 cents per dollar, lower. That gap allowed companies to offset two-fifths of the increase in their retirement expense that comes from having more workers participate.'
7.  The Tax-Deferral Trap?
Cypen & Cypen Link to more items from this source
Aug. 31, 2009
See item #4 in the newsletter. Excerpt: Novel advice on how to save for retirement: do not put any more money in your tax-deferred retirement savings! Such advise is heresy in a world where people hate taxes and it has been taken as gospel that you should defer them if you can. A commentary in Forbes magazine from William Baldwin admits that for two decades Forbes has been advising people to maximize their tax-deferred accounts, and, at the other end, to minimize withdrawals. 'Let your earnings compound tax free. Deferral is magic.' This advice is not necessarily true anymore. After a year of turmoil in Washington and on Wall Street, it may be time to rethink savings.
8.  Entrepreneurs Financing Start-Ups from Retirement Accounts: The 'Rollover As Business Start-Ups'
Forbes; subscription may be required Link to more items from this source
Apr. 8, 2009
Excerpt: The Internal Revenue Service has recently expressed concerns about the technique. This method of financing start-ups has been around--and controversial--for some time. Forbes first looked at the pros and cons of using retirement accounts to finance businesses in 2004. Our advice: Entrepreneurs interested in the method should split their IRAs into two, one to invest in the new business and the other to manage a diversified retirement portfolio separate from the new business and associated risks.
9.  How to Reform Social Security
Forbes; subscription may be required Link to more items from this source
Mar. 21, 2024
"[1] Give Social Security personnel and prospective beneficiaries access to an online calculator to avoid mistakes and make informed judgments about claiming benefits.... [2] Allow partial benefit claims, so that cash-constrained seniors can claim some Social Security income early, and allow the remainder to grow.... [3] Allow beneficiaries to work without losing Social Security benefits. [4] End the practice of taxation by inflation -- by inflation- indexing all retirement-income taxation, including indexing the Social Security benefits tax. [5] Eliminate the Social Security benefits tax and make benefits part of ordinary taxable income for future retirees."
10.  How Financial Advisors Can Navigate the Longevity Revolution
Forbes; subscription may be required Link to more items from this source
Mar. 8, 2024
"The evolution of longevity is forcing those in financial advising to rewrite the playbook on retirement planning.... If we will be living longer, investment portfolios must be designed, built and optimized to sustain us over a longer period than previously planned. Beyond sustaining individuals, they need to allow them to continue to thrive, living into our 90s or even beyond. Diversification, risk management and a focus on long-term growth become even more crucial in this new landscape."
11.  Why the Reserving Process Is Important for Self-Funded Employers
Forbes; subscription may be required Link to more items from this source
Feb. 13, 2024
"While many self-insured groups do see savings, it is important to make sure you are seeing the full picture through a proper and thorough reserving process.... Typically, this process follows four steps: [1] Access your data ... [2] Add margin for claim volatility ... [3] Consider stop loss and other variables ... [4] Add in fixed fees."
12.  The Beauty of Taking Early IRA Distributions
Forbes; subscription may be required Link to more items from this source
Jan. 3, 2024
"Why should you take money out of retirement accounts if you don't need it? ... [To] utilize lower tax brackets; for married couples, to take advantage of 'wider' tax brackets while both of you are alive; to provide a bigger cushion in your 'post-tax' accounts should you ever have a large cash flow need; and with the new 10-year withdrawal rule, to reduce the income tax your heirs may have to pay on your retirement accounts."
13.  U.S. Healthcare Braces for Tough Times as Disruptors March to Reform
Forbes; subscription may be required Link to more items from this source
Dec. 26, 2023
"Patient-consumers are growing increasingly exasperated with healthcare delivery as we know it and are demanding better. Meanwhile, retail disruptors are capitalizing on mounting frustrations by continuing to dismantle a broken and failing fee-for-service (FFS) payment model. And, the federal government ... is now ramping up efforts to try and make good on past reforms. As the winds of disruption pick up speed, these stakeholders have signaled they have no interest in extending a lifeline."
14.  Cigna's 'Bolt-On' Deals Could Target Smaller Health Insurers or Providers
Forbes; subscription may be required Link to more items from this source
Dec. 11, 2023
"The Cigna Group appears to have given up on a big acquisition like the health insurance giant Humana ... [T]he company will now 'consider bolt-on acquisitions.' This could mean Cigna will look into purchases of smaller health insurers where the company isn't a dominant player ... or look to add health plans where the company is strong such as commercial health insurance like individual plans sold under the [ACA] as well as employer coverage."
15.  Weight Loss Drugs Add $300 to Each Employee's Health Costs Even If You're Not on One
Forbes; subscription may be required Link to more items from this source
Nov. 8, 2023
"Weight loss prescriptions Wegovy, Rybelsus and Saxenda -- along with Ozempic -- are driving health costs for employers up by more than $300 per insured worker this year ... These GLP-1 drugcosts are expected to boost healthcare spending through 2025, increasing from $324 per insured member this year up to $500 per insured health plan member in two years ... By comparison, annual spending on such prescriptions in 2021 was $96 per member[.]"
16.  2024 IRS Limits on 401(k) Plans Affect Nonqualified Plans
Forbes; subscription may be required Link to more items from this source
Nov. 3, 2023
"November and December are when [most NQDC participants] choose how much of next year's salary to defer beyond the 401(k) limits. Factors in that decision about nonqualified plans include the newly released IRS limits that apply to qualified retirement plans.... The IRS changes in limits for 2024 are much smaller than the increases for 2023[.]"
17.  Reconnecting Retirement Plan Participants with Their Benefits
Forbes; subscription may be required Link to more items from this source
Sept. 21, 2023
"Plan sponsors and fiduciaries are required to oversee retirement plans in the best interests of plan participants. These responsibilities include efficient, cost-effective plan management and ultimately, ensuring participants have access to their retirement benefits. Maintaining contact with plan participants is at the heart of many of these requirements. The DOL continues to emphasize its expectations for plan sponsors to maintain contact with plan participants and take meaningful action to reconnect with those who become unresponsive."
18.  Thinking Local to Craft the Perfect International Benefits Package
Forbes; subscription may be required Link to more items from this source
Aug. 10, 2023
"Since the needs and preferences of employees vary significantly across different regions and cultures, a perfect international benefits package is actually a myth.... Crafting a locally customizable benefits plan involves tailoring employee benefits to align with local market practices, cultural norms and legal requirements. It requires a deep understanding of the specific country's labor laws, social security systems, healthcare systems and cultural expectations."
19.  Employers Are Still Missing the Mark on Mental Health
Forbes; subscription may be required Link to more items from this source
Aug. 2, 2023
"A full 68% [of employees] are concerned that disclosing their mental health issues would harm their professional reputation. And 49% report work pressures and 42% say excessive workloads cause mental health struggles.... 66% have experienced work-related mental health problems in the past two years.... 60% say they've felt like their employer or colleagues are ignoring their mental health condition. 31% agree that the opportunity to take mental health days would positively change their well-being."
20.  Advanced Primary Care: Upgrading Employee Benefits
Forbes; subscription may be required Link to more items from this source
July 7, 2023
"For employers, integrating advanced primary care into a benefits package starts with engaging health plan partners and other primary care partners on key goals around health outcomes and realigned payment models that incentivize early prevention, outreach and accountability for health improvement."
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