Wealth management

With the Form 5500 deadline fast approaching, 401(k) plan sponsors should be aware of common mistakes that can easily occur when filing the form.

Benefit advisers and their employer clients are in a unique position to help the newest members of the workforce overcome investment fears and prepare for retirement.

Retirees should move beyond the long-held “4% Rule” and take into account the full range of financial opportunities and risks they could face going into the golden years.

Overall, employers have failed to move the dial on overall retirement confidence levels for their female workforce, despite that demographic’s dominance in handling their households’ day-to-day expenses.

Learn about how technology can demonstrate the link between volatility and risk in retirement planning — a distinguishing factor from other advisers, according to columnist Craig Davidson.

Wellness and retirement educational tools are paramount in an ever-changing landscape of employee benefits, and Mercer has taken a unique approach in its newest endeavor, Mercer Benefits U.

Commentary: This fall will be a time for plan sponsors to take on additional decisions, as many prototypes sponsors are going through the process of getting their documents updated for the upcoming restatement process. While columnist John Ludwig says this is a necessary process for everyone, he shares decisions that plan sponsors should think about as they go through this process.

When it comes to retirement savings, no family structure is apparently better prepared than same-sex couples without kids, who reported having $276,200 tucked away – the very model of successful workplace savers.

A recent increase in formations of employee stock ownership plans, known as ESOPs, has put the spotlight on the combined employee benefit and small business management succession tool that has been in existence since 1956.

According to one 401(k) expert’s poll, employees need to be saving 20% of their earnings for retirement. How they get there is where you come in.

Many employees who change jobs choose to roll their 401(k) accounts into IRAs rather than leaving them in place or rolling them into their new employers 401(k) plan. Rolling a 401(k) account into an IRA is generally a really bad idea, for the following reasons.

In contradictory fashion, paying off debt was cited as the top reason for taking out a loan from retirement plan savings (46%), yet only 26% of respondents said paying off debt was a good reason to take out a loan.

Commentary: Blogger Aaron Friedman reports good news for benefit advisers interested in working with employers on 403(b)s

Commentary: With all the controversy around the new fiduciary definition, blogger Jerry Kalish reminds benefit advisers and brokers that there’s on fiduciary protection that is not in question — the support from the retirement plan.

Will virtual currencies supplant the dollar as the currency of choice for international transactions? Probably not any time soon. Recently the Securities and Exchange Commission, Financial Industry Regulatory Authority and the Internal Revenue Service issued statements designed to strongly discourage the use of virtual currencies.

Find out the true risk discussion one adviser and financial planning expert says other advisers should be having with employers and their employees.

Employee benefit advisers and employers will have to wait longer than anticipated for the DOL’s expanded definition of fiduciary, as the agency has delayed the issuance of its proposal until January 2015.

Commentary: Columnist John Ludwig says employers and their benefit advisers still have a long way to go to help workers be retirement-ready.

Each year Brightscope, a company that aggregates retirement plan data, releases a list of what it believes are the best large 401(k) plans. Here are the six plan features Brightscope says result in a 401(k) plan receiving a high ranking on its list.

Advisers are key to crafting retirement plan communications and educational materials that their employer clients can use to increase plan participation.