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Southern Pension Services
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Regional Vice President, Sales MAP Retirement USA LLC
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Relationship Manager for Defined Benefit/Cash Balance Plans Daybright Financial
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Managing Director - Operations, Benefits Daybright Financial
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BPAS
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Cash Balance/ Defined Benefit Plan Administrator Steidle Pension Solutions, LLC
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Retirement Plan Administration Consultant Blue Ridge Associates
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MAP Retirement
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Pentegra
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Retirement Relationship Manager MAP Retirement
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Free Newsletters
“BenefitsLink continues to be the most valuable resource we have at the firm.”
-- An attorney subscriber
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Search the News Archive
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11 Matching News Items |
| 1. |
Greenspring Advisors
Oct. 22, 2025
"[T]here is no one-size-fits-all solution when it comes to filing for -- or changing -- your Social Security retirement benefits.... [1] Projecting your benefits; [2] Life expectancy and Social Security; [3] How marriage affects your benefits; [4] How to 'undo' your benefits; [5] Social Security planning and your overall financial picture; [6] Concerns about Social Security solvency; [7] Making an informed decision."
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| 2. |
Greenspring Advisors
Feb. 26, 2019
"An ERISA 3(21)(ii) fiduciary makes investment recommendations to plan fiduciaries (e.g., committee members) who either approve or reject them while an ERISA 3(38) Investment Manager has the authority to make investment decisions without the approval of other plan fiduciaries.... [R]egardless of whether you hire an advisor in a 3(21) or 3(38) capacity, the advice and process should really be the same."
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| 3. |
Greenspring Advisors
Sept. 25, 2022
"A retiree who owns their home, does not often travel or commute daily, and does not intend to pay for school, has a much different personal inflation rate.... [A] year-over-year budget analysis ... identify any necessary spending adjustments.... [C]onsider alternatives to traditional fixed income within your portfolio.... [Identify] your cash needs and ... [e]nsure you have enough cash on hand to cover these goals ... [A]ny excess could be directed to the portfolio."
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| 4. |
Greenspring Advisors
Sept. 10, 2020
"The likelihood of the one or both members of a couple aged 65 living well into their 90s is higher than it has ever been (48% chance in 2015 that at least one member of a married couple aged 65 would live to 951), and those odds will keep going up due to advances in technology and medicine. It is imperative that you start incorporating longevity into your retirement planning. Be mindful of the many retirement calculators that default to the average life expectancy (85 or so)."
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| 5. |
Greenspring Advisors
June 25, 2020
"If you set the options at 8, 10, and 12 percent, there's a strong likelihood that a majority of people will enroll at 10 percent, choosing the middle option and avoiding the 'high priced' choice (i.e. 12 percent).... By choosing 10 percent, they are enrolling at a much higher percentage than the default and moving much closer (and faster) to the types of savings rate required for a successful retirement."
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| 6. |
Greenspring Advisors
May 21, 2020
"One of the six areas of spending that qualifies for forgiveness is employer retirement contributions. Thus, many business owners are looking to accelerate company contributions during the eight weeks following receipt of the funds.... However, the 3rd Interim Final Rule clarifies ... retirement contributions for employees ... are eligible to count toward loan forgiveness. But retirement contributions on behalf of owners are not 'covered benefits' and don't qualify."
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| 7. |
Greenspring Advisors
May 21, 2019
"As an industry, incredible amounts of time and money have been spent trying to educate people and get them to better balance short-term and long-term rewards with little incremental impact being made.... [W]orkers with income in the bottom quartile were projected to have to replace 82% of their pre-retirement income. Social Security was projected to contribute 59% and 23% needed to come from personal retirement savings. To replace that 23% of income, these workers needed total savings rates of between 9% and 11%."
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| 8. |
Greenspring Advisors
Apr. 9, 2019
"Here are four indications it's time to thoroughly review your plan's TDF: [1] Your TDF and your plan provider are the same ... [2] You have never gone through an 'objective, thorough and analytical' process regarding your TDF. [3] You don't have any written documentation that includes how you reached decisions about the choice of TDF. [4] You cannot easily and accurately explain the 'glidepath' of your plan's TDF."
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| 9. |
Greenspring Advisors
Mar. 26, 2019
"The power of the 'default effect' in automatic enrollment plans has made target date funds (TDFs) the dominant investment choice for retirement savers.... [Y]ounger participants are proving to be the most powerful advocates for these types of solutions.... [T]he starting point and single most important investment decision for this generation of retirement plan fiduciaries revolve around the target date decision. But first, let's take a step back and briefly discuss the strategic outcomes fiduciaries should be focused on when designing a fund lineup for their plan."
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| 10. |
Greenspring Advisors
Jan. 29, 2019
"[T]he DOL views fiduciary training as a critical element of prudent oversight and is increasingly looking for evidence that fiduciary training has been provided during plan audits. Unfortunately ... [a 2017 survey of plan sponsors] found that nearly 70% had not received any formal fiduciary training.... So, what topics should be covered?"
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