Employer Strategies

Running out of money in retirement trumps other stress-inducing pressures such as public speaking and gaining weight for affluent Americans. But despite the prospect of not having enough money to live on later in life, many are unwilling to cut spending on indulgences now in order to invest for retirement .

If your wellness program consists of a health risk assessment and nothing else, you may be missing the bigger picture. While the tools can yield important information, they may ignore broader factors in employees’ lives that are influencing the unhealthy behavior.

With interest rates near record lows, employers are increasingly seeking new retirement investment options for their employee participants. Advisers should be prepared to discuss absolute return assets, industry experts say.

Commentary: Blogger Aaron Friedman discusses how benefit advisers can counsel employer clients on switching up 403(b) plan communication.

Commentary: An additional option is available for certain consumers to continue to enroll in the ACA marketplaces, guest blogger Laura Kerekes explains.

As states across the country take steps to address the financial needs of retiring workers, Illinois lawmakers are considering a new bill that would establish a retirement savings program for private sector employees that will be funded through automatic payroll deductions.

Evidence shows that more insurers bring down premiums on the ACA exchanges, which could ease conversations benefit brokers have with the uninsured about affordability of coverage.

Although there is presently no law against workplace bullying in the United States, a business with offices and employers abroad would do well to take note of the growth of legislation prohibiting this conduct and imposing liability abroad.

Final regulations implementing the ACA’s nondiscrimination rules for wellness programs became effective in January, but many employers are still unclear about how the regulations have changed. The changes are subtle, but noncompliance can carry heavy penalties.

With lack of information and resources deterring most of the uninsured who did not enroll for coverage on the exchanges in 2014, advisers are poised to play a pivotal role in 2015.