401(k)

Plan sponsors should follow a four-step process to ensure their providers are appropriate and that the fees paid are reasonable, says adviser Robert Lawton.

One guideline to remember is that retirees should continue being invested in stocks, which produce high returns and pay dividends.

Auto-enrollment and -escalation, in-plan conversions and custom target date funds are buzzworthy retirement trends, benefits experts explain at EBN’s Benefits Forum & Expo.

Savings are only as safe as the places that hold personal information, expert says.

Retirees can open health savings accounts, which offer tax breaks on contributions and qualified distributions, and tax-free growth on investments.

Those who left the workforce can open HSAs, which offer tax breaks on contributions and qualified distributions, and tax-free growth on investments.

The answer is in the investment details. If employers offer a match, contribute at least enough money to get it. Matches are 'free money' that give an instant return.

If an employer offers a match, employees should contribute at least enough money to get it.

Each pre-retiree couple is in a unique circumstance, and needs to account for their health and longevity, as well as their willingness and ability to work.

Workers would have to pay taxes on their contributions to an employer's sponsored 401(k) plan under the Trump administration's tax proposal.

Workers would have to pay taxes on their contributions to an employer's sponsored 401(k) plan under the Trump administration's tax proposal.

While an increasing number of these employers say retirement plans help them attract and retain talent, the majority says they don’t have the capabilities to set one up.

While an increasing number of these employers say retirement plans help them attract and retain talent, the majority says they don’t have the capabilities to set one up.

The Internal Revenue Service granted relief to those hit by the storm by making it easier for retirement plans to give loans and hardship distributions.

Retirees are likely to have fewer choices when they start shopping around for Medicare Advantage plans during the open-enrollment period that begins Oct. 15.

With the goal of improved participant outcomes, a simplified approach using straightforward language could be more attractive to employees.

The sheer number of modest, inactive 401(k)s — along with the friction in the industry that makes it difficult to seamlessly transfer the balances from plan to plan as participants change jobs — is causing a lot of undue stress.

The sheer number of modest, inactive 401(k)s — along with the friction in the industry that makes it difficult to seamlessly transfer the balances from plan to plan as participants change jobs — is causing a lot of undue stress.

With the goal of improved participant outcomes, a simplified approach using straightforward language could be more attractive to employees.

These two accounts are both funded with money that has already been taxed, but there are still important differences that clients need to know.