Retirement

Changing the emphasis from the accumulation of retirement assets to a safer and smoother way of distributing those savings will help make employees' lives easier, and help maximize their Social Security benefits.

Workers and retirees know what they should be doing to prepare for retirement but when it comes to action, neither group is prepared.

Now, more than ever, the retirement plan services industry is placing a greater emphasis on in-plan guaranteed income solutions to help employees achieve better retirement outcomes.

Defined contribution plans have become one of the fastest-growing segments of the retirement industry, representing $7 trillion of the $24 trillion in retirement system assets in 2014, and while private companies have been at the forefront of the change, but government entities are following suit, which means DC plans will become even more important in the years ahead.

You may have noticed that there's a new trend sweeping the financial services industry: robo-advisers. These services use algorithms to automate investing, manage individual portfolios and provide financial guidance.

Commentary: Three reasons Individual contracts are incompatible with ERISA plans and how to handle it, according to The Principal’s Aaron Friedman.

There’s room to grow in the investment-only variable annuity space, and educated advisers are the key.

Employers may want to take note of the qualifying longevity annuity contract rules that were put in place last year under the required minimum distribution rules of the Internal Revenue Code.

Continued lawsuits over excessive 401(k) fees are on track to force providers to change the way they deliver products and end a practice that appears to be a “showcase of impropriety.”

Commentary: There isn't one right answer to what a plan should look like, but there’s no harm in asking around to see what other employers consider reasonable.