Retirement

Employees should consider that state laws may differ on who may be legally recognized as a beneficiary's spouse and thus whether their partner would be entitled to spousal benefits.

Build an education program, perform an objective review of investments and benchmark features are a few of the activities advisers should encourage now.

Using lowest-cost share classes, performing an annual investment fund review and distributing required fee notices are among best practices.

While the funds are ideal for certain people, they don't address important retirement considerations, such as the cost of funding a comfortable living and a person’s savings rate.

There have been some modest attempts in the past few years to shore up and fill in gaps in this country's haphazard system of retirement savings.

Younger employees could be too confident in the abilities of automated retirement investment tools, study finds.

Engaged savers, specifically those who are near the end of work, deserve an appropriate spectrum of risk options.

With many private and public pensions in the red, employees are advised to look for options that will improve their prospects, such Roth IRAs.

Collective Investment Trusts can have cost-saving advantages, are increasingly accessible and provide a long-term investment perspective.

Self-funding, Form 5550s and picking the right HSA vendor are some topics employers should consider in the coming year.