Loan & Distribution Specialist AimPoint Pension
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Compass
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AimPoint Pension
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Bates & Company, Inc.
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Regional Vice President of Sales The Retirement Plan Company
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Defined Benefit Combo Cash Balance Compliance Consultant Loren D. Stark Company (LDSCO)
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Market-Based Cash Balance Plans: Myths and Reality
October Three Consulting Nov. 25, 2013 "Traditional (fixed-rate and/or bond-yield) CB plans provide a unique combination of increased sponsor risk and weak participant returns -- the worst of both worlds. The risk they present to the sponsor is completely unhedgeable (in this sense, they are worse than a traditional DB plan, which can be 'de-risked' with a bond portfolio.) ... A well-run [ReDefined Benefit (ReDB)] plan works, in essence, like a DC plan -- minimizing sponsor investment risk and providing participants the opportunity to reap real, market-based returns." |
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