Do employees have to sign up for Medicare at 65?
There can be substantial penalties for those who are late to sign up, but when exactly is that deadline?
Retirement benefits
Why are 401(k) participation rates so much lower at smaller employers?
A reluctance to auto-enroll employees is one reason, but there are others for companies to consider.
Benefits Think The five bad investment habits that retirement plan sponsors should consider
By taking these into account, employers can do a better job helping employees prepare for their golden years.
Gregory Kasten
Unified Trust Company
Benefits Think American participants in foreign retirement plans need clearer rules
GAO requests that the IRS clarify how taxpayers report their participation to gain understanding of plans that could lead to exemption.
David Powell
Groom Law Group
401(k) features all workers should know
Contributing $300 a month to a 401(k) over 40 years with an average 7% return will result in more than $700,000. So the benefits are there, but do your employees know the details?
Why are 401(k) participation rates so much lower at smaller employers?
A reluctance to auto-enroll employees is one reason, but there are others for advisers to consider.
Employee retirement confidence on the decline
A number of large employers are responding to the troubling trend by offering financial wellness and education programs to employees.
Benefits Think Advisers: Here’s how you improve the broken 401(k) plan system
Making plans transferable from employer to employer can help clients attract and retain top talent.
Spencer Williams
Portability Services Network and Retirement Clearinghouse
4 things workers should consider when retiring before a spouse
Employees should look into filing for Social Security as soon as they retire to generate extra income and allow their spouse to delay and grow their retirement benefit.
Merrill Lynch puts a new face on its retirement tools
Updated calculators and a leaner interface are intended to raise awareness of “retirement readiness.”
Uncertain of fiduciary rule, plan sponsors zero in on fees
Regardless of the regulation’s future, employers need to ensure they’re passing costs on to plan participants that are reasonable in light of the services provided.
Awaiting fate of fiduciary rule, plan sponsors focus on fee reasonableness
Regardless of the regulation’s future, employers need to ensure they’re passing costs on to plan participants that are reasonable in light of the services provided.
Benefits Think The five bad investment habits that retirement plan sponsors should consider
By taking these into account, advisers can do a better job of helping employees prepare for their golden years.
Gregory Kasten
Unified Trust Company
5 ways retirements plans are most likely to go off track
Employees are likely to miss their retirement targets if they are helping their children and loved ones more than what they can afford.
Benefits Think American participants in foreign retirement plans need clearer rules
GAO requests that the IRS clarify how taxpayers report their participation to gain understanding of plans that could lead to exemption.
David Powell
Groom Law Group
Benefits Think Employers: Here’s how you improve the broken 401(k) plan system
If plan sponsors don’t use technology to create seamless plan-to-plan portability, they risk turning their accounts into islands cut off from other retirement plans.
Spencer Williams
Portability Services Network and Retirement Clearinghouse
Robo-adviser startups are now going after wealthy clientele
Robo-advisers were built on the promise of offering wealth management expertise to the masses. Now they're turning their attention to a different — and much wealthier — customer.
How much will procrastinating on retirement savings cost employees
Workers aged 35 have to set aside 11.69% of their pay to keep up with those in their 20s socking away only 6% of their salary.
New Jersey police, firefighters aggravate pensions mess
The massive shortfalls in public pension funds are the single biggest financial challenge for American’s states and cities.
Merrill Lynch puts a new face on its retirement tools
Updated calculators and a leaner interface are intended to raise awareness of “retirement readiness.”
