401k Hardship Loan
401k Hardship loan provisions - Pros & Cons

401k Hardship Loans – A double edged sword

Some 401(k) plans allow participants to take loans, and others do not. It is quite a controversial subject, with some arguing participants should be empowered to access their savings, while others prefer a more paternalistic approach to help ensure retirement …

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2021 IRS Retirement Plan Contribution Limits
2021 IRS Contribution Limits

IRS Retirement Plan Contribution Limits for 2021

The IRS recently announced the contributions limits to retirement plans for 2021. They kept the maximum contribution limits and catch-up contributions the same as 2020 for 401(k), 403(b), and 457(b), plans. Participants can contribute up to $19,500 in 2021, plus …

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esg investing in retirement plans
Retirement Plans & Environmental, Social and Governance (ESG) Investing

ESG Investing & Retirement Plans – DOL Final Rule

ESG funds, those that build investment portfolios focused on environmental, social, or governance-related issues, have become a hot topic the past few years. While such funds have been around for many years, they have gained assets, media attention, and credibility …

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End of the 401k plan as we know it?
The End of the 401k Plan as We Know it?

The End of the 401k Plan as We Know it?

It is common knowledge that Americans are reaching retirement in worse financial shape than the generation before. Countless articles decry the coming “American retirement crisis” and the litany of reasons for it. No matter why it occurs, the solution is …

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DOL Final Rule on Electronic Disclosures

DOL – Electronic Disclosure Ruling

The U.S. Department of Labor (DOL) final rule on electronic disclosures for retirement plans went into effect this past July. This means that plan administrators now have the option to use electronic delivery as a default for certain disclosures, provided …

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Automatic Plan Features

Over the past few decades the rise in Defined Contribution plans has shifted the burden for retirement planning and saving away from employers to fall squarely on the employees’ shoulders.  It’s a responsibility that can be intimidating for those who …

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Indexing Works: Just Look at the Numbers

While the philosophical debate continues to rage on about the merits of active management, we’d rather focus on the data.  After all, it’s the data that drives our decision-making process as retirement plan advisors and fiduciaries. Morningstar, an independent provider …

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