Week of May 19, 2017
NOTE FROM THE EDITOR
Happy Friday readers! This weekend’s newsletter considers the role of health savings accounts, or HSAs, in the retirement planning effort. Survey and anecdotal evidence shows Baby Boomers, Gen X and Millennials alike anticipate major challenges paying for health care post-employment. HSAs, however, present an opportunity to leverage the power of compounding and market returns to ease the burden. 
MOST POPULAR STORIES
Compliance
ERISA Class Action Targets Principal Over Crediting Rate
The complaint describes in detail guaranteed investment contracts offered by the Principal to retirement plans, which plaintiffs suggest permitted conflicts of interest and prohibited transaction.
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Data and Research
Are Older Americans Being Too Cautious With Saving and Spending?
Despite retirement industry suggestions that Americans should draw down less income in retirement, a paper suggests older Americans are not spending enough to live their retirement dreams.
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Data and Research
One-Third of Americans Stopped Retirement Savings at Least Once
Fifty-six percent say their primary retirement savings goal is to not outlive savings.
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Compliance
Plaintiffs and TIAA Reach Settlement in ERISA Challenge
The settlement agreement delivers millions of dollars in compensation to TIAA employees, as well as non-monetary settlement provisions, while insulating the firm from further claims along these lines. 
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Products
Edward Jones Maps Out Fiduciary Rule Response
The investment advisery firm Edward Jones says it will look to grandfather IRA relationships acquired before April 2017, while also instituting some fundamental changes to process and product to comply with the new fiduciary rule for ongoing and new relationships.
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EDITOR’S CHOICE
Will HSAs Become the 401(k)s for Health Care Savings?
HSAs are gaining more acceptance as concerns about health care costs in retirement increase, and interestingly, they seem to be following a similar path as 401(k) plan growth.
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HSAs and DC Health Care
Advising about saving for retirement health care costs can add to an adviser’s value proposition.
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Fearing Health Care Costs in Retirement
The three biggest retirement-related financial worries for most Americans are a costly health issue affecting them or a loved one; inflation; and having too little money to do what they would like.
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Retiree Health Care Cost Estimates Rise
According to research by Fidelity, couples who retired in 2016 can expect to pay $260,000 on health care throughout retirement or 6% more than the previous year’s estimate.
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Participants Investing in HSAs Stay Committed to 401(k)s
Most participants are taking advantage of the combined benefits an HSA and 401(k) have to offer, but there is still a gap in knowledge of HSA basics among participants. 
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Editorial: Alison Cooke Mintzer alison.mintzer@strategic-i.com
Advertising: Paul Zampitella paul.zampitella@strategic-i.com
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