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Personal Finance Education

Annual Investment Review

Setting a process to review your financial information is a task that you should perform each year. Reveiw your portfolio, goals, and make sure your investment are keeping pace with changes to

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Plan Sponsor Education

Four Things to Know about ERISA Fidelity Bonds and Fiduciary Liability Insurance

The Employee Retirement Income Security Act known as “ERISA” regulates 401(k) and most other types of employee benefit plans. Under ERISA, anyone who handles retirement plan funds must be

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Plan Sponsor Education

Your World Evolves and Your Retirement Plan Should Too

The written version of your retirement plan, your plan document, defines how the plan operates. Naturally, when you started your plan, it reflected what we knew about you and your company at

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Plan Sponsor Education

It’s Time to Restate Your Defined Benefit Plan Document

Every retirement plan is required to have a formal written document that spells out how it operates. When Congress passes new laws that impact how retirement plans work, the IRS and other

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Plan Sponsor Education

Encourage Greater Participation with a QACA Safe Harbor

You already know that a 401(k) is a very popular retirement plan and, like other plan designs, it allows your employees to take advantage of tax deferrals on contributions and earnings while

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Plan Sponsor Education

Aligning Plan Design with Your Goals

Most of us live in homes that were not custom-designed for us. We adapt to them rather than expect them to be optimized to how we like to live. Most retirement plans are sold the same way.

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Plan Sponsor Education

Advantages of an Unbundled Retirement Plan Solution

There are some things we’re happy to buy right off the rack. After all, mass production usually means consistency and cost-savings. On the other hand, when we do buy off the shelf, we

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Plan Sponsor Education

Understanding Financial Statement Audits

While we hope you have never had to experience it, you’re no doubt familiar with the idea of an audit of your personal or corporate tax return. But you may not be familiar with an audit of

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Plan Sponsor Education

Maximizing a Business Owner’s Retirement Benefit

It’s a common story – business owners put everything into their businesses for years before being in a financial position to put real money away for retirement. Once you’re

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Plan Sponsor Education

Understanding How Forfeitures Work in Your Retirement Plan

When we talk about 401(k) retirement plans, we sometimes focus on the contributions made by employees that are always immediately vested. In other words, it’s their money and they can