Michelle Capezza
Plan Sponsor Worries About 401k To IRA Direct Transfers
The process of transferring assets is not without its own liabilities. The exact nature of the fiduciary risk depends on the nature of the transfer.
IBM’s New 401k Match Policy Isn’t What You Think
Eliminating the match and investing a large portion of retirement savings in bonds creates a risk. It may cause the retirement savings to go down in flames.
Retirement Pros Sound Off On DOL’s New Fiduciary Rule
This broader definition of fiduciary may impose a potential hardship on a segment of the retirement industry that has been trying hard to gain a foothold in plan infrastructure.
Is There A Cure For Covid Caused 401k Leakage?
It’s clear, then, that there’s a problem. In order how to best come up cure for Covid-related leakage, we have to zero in on exactly when the trouble lies.
$4.3 Million Or $1.27 Million? What’s The Point Of Scary Retirement Projection Numbers?
The twist is this: The bad news is only a fraction of the people will be able to save $4.3 million for retirement because the average salary is too low. The good news is most people won’t need to save $4.3 million because, thanks to living on a low average salary, they are accustomed to spending far less.
‘Forgotten’ 401k Accounts Study Criticized By Fiduciary Professionals
The challenge is plan sponsors often can’t determine if an account is forgotten until some triggering event. And by that time, it’s too late.
Why Is ‘Fiduciary’ Losing Its Luster?
Back then, at least, we knew who wore the white hats and who whore the black hats. Today, thanks to muddled and often conflicting regulations for multiple agencies, everyone is wearing fifty shades of gray.
Extreme 401k Makeover: Here’s Why DC Guaranteed Income Is A Pipedream
So what if a few very high net savers end up with bigger retirement plans? Good for them. The point is to make it easier for more people to save more.
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