Retirement

Nearly a year after 401(k) participants accused the plan’s fiduciaries of breaching their fiduciary duty by not searching for lower cost investment options, a judge dismissed the complaint.

Retirement advisers can protect their book of business by redefining their service model and partnering with specialists.

Plan participants should review a full market cycle, index efficient asset classes and eliminate closet indexers.

Understanding participant needs means having the courage to directly ask what topics are the most pressing, and then address them.

Missing required 401(k) minimum distributions are subject to a penalty equal to half the amount that should have been taken.

Many claims filed by former employees have a very low chance of success, but that does not eliminate the need for the employer to put in the time and money to fight them.

In order to avoid an audit, pension planners should conduct periodic audits for hard-to-find former employees.

Although the current year has been good for participants, many workers are not investing in a retirement plan.

Money worries continue to plague employees but executives struggle to create plans that address workers’ fiscal woes.

Employers are relieved that plans are left unscathed, but insiders are still keeping a sharp eye on the impact of deduction for pass-through entities.

Those who leave the workforce and are sitting on losing investments may do tax-loss harvesting, or they may donate their winning holdings to a charity to avoid the capital gains tax

Money worries continue to plague employees but executives struggle to create plans that address workers’ fiscal woes.

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Holding too much cash is one of the common errors that employees make when saving for retirement.

Investors are advised to do a Roth conversion before year-end to make the most of the federal tax deduction for state and local income taxes, which could disappear next year.

Legislation agreed upon by the House and Senate could impact whether or not small businesses offer retirement plans.

Relying too much on tax-loss harvesting to generate an income is a common mistake that workers should avoid after they retire.

Relying too much on tax-loss harvesting to generate an income is a common mistake that clients should avoid after they retire.

Many claims filed by former employees have a very low chance of success, but that does not eliminate the need for the employer to put in the time and money to fight them.