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124 Matching News Items

1.  Retirement Plan Committee Responsibilities
Lawton Retirement Plan Consultants Link to more items from this source
May 18, 2021
"If you are like most 401k plan sponsors, you worry about whether your retirement plan committee is discussing the right things at your committee meetings. Is the retirement plan committee using its time wisely talking about what is important? Or do you spend way too much time reviewing investment performance?"
2.  Congress Should Consider These Eight Retirement Plan Fixes
Lawton Retirement Plan Consultants Link to more items from this source
Oct. 8, 2014
"Require 'auto' features.... Require re-enrollment.... Eliminate participant loans.... Allow unlimited Roth 401(k) contributions.... Require a QDIA in every plan.... Require electronic notice distribution.... Every party with a signed contract is a fiduciary.... Get all company stock out of 401(k) plans."
3.  Educate Your Employees on Using HSAs In Retirement Planning
Lawton Retirement Plan Consultants Link to more items from this source
Sept. 5, 2017
"With healthcare open enrollment season quickly approaching, 401k plan sponsors may want to spend some time educating participants on the use of Health Savings Accounts (HSAs). If you offer a High-Deductible Health Plan (HDHP) to your employees, they probably have the ability to contribute to HSAs.... [N]early everyone eligible to contribute to an HSA should max out their HSA contributions each year. Here's why."
4.  Retirement Readiness: Employer Responsibilities
Lawton Retirement Plan Consultants Link to more items from this source
Feb. 23, 2020
"Both employees and employers have responsibilities they must fulfill in order for employees to reach retirement readiness nirvana.... There generally are three main categories of employer responsibility: [1] Encouraging employees to participate, [2] helping them manage their accounts and [3] protecting participants from themselves."
5.  Which Fiduciary Should a Plan Sponsor Hire: ERISA 3(16), 3(21) or 3(38)?
Lawton Retirement Plan Consultants Link to more items from this source
July 30, 2014
"Plan sponsors should keep in mind that choosing a 3(16) fiduciary to be responsible for some or all of their plan administration duties does not relieve them of all fiduciary responsibility.... Most 401(k) retirement plan sponsors who have retained an investment advisor who is a fiduciary, work with a 3(21) advisor.... Section 3(38) financial advisors often are a best fit for non-employee directed retirement plans, like defined benefit plans."
6.  Seven Things Plan Sponsors Say They Want to Know About the New Fiduciary Regs
Lawton Retirement Plan Consultants Link to more items from this source
Apr. 19, 2016
"[1] Have my fiduciary responsibilities changed? ... [2] Do I need to worry about the final regulation compliance dates? ... [3] Are these new regs bad for retirement plans? ... [4] I heard that these regs are the Obamacare of the retirement plan industry. Is that true? ... [5] I have heard these regs will be repealed, just like the ACA. Is that likely? ... [6] Is my investment advisor impacted? ... [7] Is there something I need to do if my investment advisor works for a brokerage firm?"
7.  How to Maximize Social Security Retirement Benefits
Lawton Retirement Plan Consultants Link to more items from this source
June 4, 2017
"[1] Check your wage history on the Social Security statement ... [2] Know your full retirement age ... [3] The benefits and costs of working in retirement ... [4] Taxing Social Security benefits ... [5] Spousal benefits ... [6] Survivor benefits ... [7] Divorced spousal benefits."
8.  Attributes of a Retirement-Ready 401(k)
Lawton Retirement Plan Consultants Link to more items from this source
Oct. 3, 2017
"[1] Auto-enrollment ... [2] Auto-escalation ... [3] Auto re-enrollment ... [4] Tighter rules surrounding participant loans ... [5] Roth 401k availability ... [6] Stretched employer match ... [7] Integration of 401k plan and financial wellness education ... [8] Lowest possible cost investment options ... [9] Participant investment advice ... [10] Availability of target date funds."
9.  Manage Your 401(k) Toward a Comfortable Retirement
Lawton Retirement Plan Consultants Link to more items from this source
June 25, 2019
"[1] Contribute at least 15% ... [2] Don't stop contributing ... [3] Always make sure you collect the entire company match ... [4] Make Roth 401k contributions ... [5] Get help with your investment allocations ... [6] Allocate your balance to target date funds if you desire simplicity ... [7] Rebalance annually if you aren't in a target date fund ... [8] Please do NOT sell when markets fall ... [9] Don't take participant loans ... [10] Don't roll over your account to an IRA."
10.  Retirement Savings: This Is How Much You Need
Lawton Retirement Plan Consultants Link to more items from this source
Sept. 3, 2018
"If you are looking forward to an active retirement -- traveling, completing your bucket list, or in general doing all of the things you have been putting off while you have been busy working -- you will need to adjust your savings target higher. For example, that rule of thumb suggesting targeting 70% of pre-tax income should be closer to 90% for you. Or even higher.... Most are much more comfortable targeting a replacement ratio of 100% of their final annual earnings."
11.  Scary Retirement Statistics and Easy Ways Employers Can Help
Lawton Retirement Plan Consultants Link to more items from this source
May 3, 2016
"What employers can do to help: [1] Change the way you educate ... [2] Eliminate leakage ... [3] Automate savings ... [4] Provide investment advice."
12.  Talk to Your Participants About Using HSAs to Fund Their Retirement
Lawton Retirement Plan Consultants Link to more items from this source
Feb. 2, 2016
"HSA contributions made pre-tax and when balances are used to pay qualified health care expenses, they come out of HSA accounts tax-free. There are no other employee benefits that work this way.... The key to building an account balance that can carry over into retirement is maxing out contributions each year and investing unused contributions so account balances can grow. If your HSAs don't offer investment funds, think about adding them in 2016."
13.  Retirement Income Strategies: Three Key Building Blocks
Lawton Retirement Plan Consultants Link to more items from this source
Mar. 29, 2015
"There isn't a single source of income that you should use to fund your retirement spending. Instead, consider building blocks of returns from different parts of your portfolio.... There are three primary building blocks, after Social Security: Block #1: Cash and short-term reserves. Block #2: Interest and dividends. Block #3: Capital gains on assets invested. Each 'block' comes from a diversified portfolio, structured to deliver return as well as distributions -- meaning cash flow -- from multiple sources."
14.  Evaluating Fees, Features and Service Providers for Your 401(k) Plan: Start Planning Soon for 2018
Lawton Retirement Plan Consultants Link to more items from this source
Aug. 8, 2017
"Most plan sponsors who decide to make 401k plan changes like to have those new features in place by January 1 of the new plan year.... Fees have come down, so it is reasonable to expect a fee reduction for each piece of business you evaluate.... Investment advisers, trustees, custodians, recordkeepers and consultants are constantly adding new features to better serve their clients.... Make sure that you offer a balanced investment option, like target date funds.... Make sure that the investment adviser you work with has signed on to your plan as a fiduciary."
15.  Fixes for Your 401(k) Plan
Lawton Retirement Plan Consultants Link to more items from this source
May 25, 2020
"[A] relatively small number of 401(k) fixes [can] make a big difference in almost every 401(k) plan. None will cost you much money and some may even save you money.... [1] Decrease your investment expenses by reevaluating your TDF.... [2] Offer a Roth in-plan 401(k) conversion option.... [3] Incorporate HSA accounts into retirement planning.... [4] Give your participants access to multiple levels of investment advice.... [5] Cure low participation with auto-enrollment.... [6] Fix failing nondiscrimination tests with auto-escalation.... [7] Move to online employee education."
16.  Should You Offer Only Index Funds in Your 401(k) Plan?
Lawton Retirement Plan Consultants Link to more items from this source
Nov. 19, 2019
"A number of retirement plan experts believe that 401k plan participants should only be allowed to invest in index funds. They say the additional cost that participants pay for actively managed mutual funds is not justified by better performance. Many 401k plan sponsors have agreed, offering only index funds in their fund lineups.... [This article provides] a discussion of the merits of both approaches and then [thoughts on what the author believes to be] the optimal solution."
17.  What a New Fiduciary Standard Means for Plan Sponsors
Lawton Retirement Plan Consultants Link to more items from this source
Mar. 25, 2015
"All retirement plan sponsors should be working with investment advisors who have signed on to their plans as fiduciaries. If your investment advisor is not a fiduciary, either ask him/her to become one immediately or find a more qualified advisor. There are very few plan sponsors that will be impacted by a change in the fiduciary standard."
18.  Ways to Improve Your Company's 401(k) Plan in 2020
Lawton Retirement Plan Consultants Link to more items from this source
Dec. 3, 2019
"If you haven't reviewed your provider fees within the last three years ... make sure you do so in 2020.... Providers and consultants are constantly adding features to better serve their clients.... Your adviser should be leading an evaluation of your fund lineup every year.... Make sure that the investment adviser you work with has signed on to your plan as a fiduciary.... Work with providers that are right for your culture."
19.  Behavioral Economics and 401(k) Plan Participants
Lawton Retirement Plan Consultants Link to more items from this source
Dec. 6, 2017
"Listed [in this article] are obstacles that 401k plan participants need to overcome to propel themselves successfully down the road to retirement readiness.... [For] each behavioral economics obstacle a solution [is described] that plan sponsors can employ."
20.  Top Ten 401(k) Plan Trends For 2016
Lawton Retirement Plan Consultants Link to more items from this source
Dec. 15, 2015
"[1] Offer at least one professionally managed option ... [2] Online participant investment advice ... [3] Investment menus with active and passive tracks ... [4] Manage leakage ... [5] Hire 401(k) plan-only investment advisors ... [6] Focus on the fiduciary ... [7] Employee education featuring behavioral principles ... [8] Online employee education ... [9] Addition of Roth 401(k) options ... 10. Use of HSA accounts for retirement."
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