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A New Investing Approach for Public and Church Pension Plans
River and Mercantile suggests that they use equity derivatives to provide contractual exposure to the equity market, but in a way where risk can be managed.
EBRI Projects Effect of Retirement Proposals on Retirement Income Adequacy
Introducing auto portability and allowing open multiple employer plans (MEPs) were simulated to have the biggest impact on decreasing the retirement income deficit.
SECURE Act Ensnared in Senate After Flying Through House
Washington insiders say Senator Ted Cruz is probably the biggest roadblock to the SECURE Act being passed in the near-term under unanimous consent; among other issues, he wants...
Self-Correction and Compliance Tips from Former IRS Attorney
There are many fiduciaries out there who are not educated on the voluntary corrections programs run by DOL and IRS. Former IRS staffer Lisa Tavares says they are...
Learning the Medicare Alphabet Is a Must for Modern Advisers
Do you know the difference between Medicare Parts A and B? What About Parts C and D?
Almost Half of Boomers Have No Retirement Savings
A large number of Boomers lack any kind of planning for retirement, and most have not set a retirement goal, IRI research found.
RESA Is Back in the Senate, with Some Technical Amendments
A section-by-section overview of the Retirement Enhancement and Savings Act of 2019, which was just introduced in the U.S. Senate.
Investment Product and Service Launches
Principal Financial Group launches the Principal Guaranteed Option, while Charles Schwab introduces subscription pricing for robo-advice.
Will Your Errors and Omissions Insurance Policy Keep You Dry?
Buyer Beware! One experienced matchmaker pairing RIAs with providers of E&O insurance policies likens the space to the Wild West, especially when one looks at the “non-admitted” provider...
Senate Committee Fields Suggestions for Promoting Savings
Hearing witnesses discussed conducting a comprehensive review of the American retirement system, allowing for open multiple employer plans (MEPs), and changing certain defined contribution (DC) plan rules to...
Mercer Recommends Areas of Focus for DB Plans in 2019
According to Mercer, developing a “journey plan” that outlines the strategic policy choices to move a plan to its ultimate destination is a step many plan sponsors have...
Financial Stress Adds Significantly to Labor Costs
John Hancock researchers sought to quantify the cost of workers’ financial stress for employers, finding the average annual excess expense per employee is a lot more significant than...
Strategies to Maximize Social Security and Medicare
When to start taking Social Security is one of the most important, and complicated, financial decisions a person can make.
Would Government Bailouts Help Solve Union Pension Funding Crisis?
A white paper published by a group of researchers and actuaries examines the pros and cons of creating a government-back low-interest loan program to support stressed multiemployer pensions.
Compare and Contrast: Income Annuities and Savings Contracts
Based on the results of a new CANNEX study, advisers who are looking to provide clients with guaranteed income should seriously consider both income annuities and savings annuity...
House Moves Ahead on Retirement Portions of Tax Reform 2.0
Mostly party-line House action this week included passage of the Family Savings Act, which features key provisions drawn directly from the popular Retirement Enhancement and Savings Act.
A Newly Suggested Strategy for Managing Health Costs in Retirement
A report from Healthy Capital suggests a combination of managing health conditions and purchasing staggered annuities can help fund health care expenses in retirement, but concedes that the...