Financial Advisor & Retirement Planning


  • Every company that values the human capital that walks through their door every day wants to create a range of differentiated benefits – benefits that not only work harder but are ones that their people can truly appreciate. For many of these folks, particularly those in their 20s and 30s, it can be challenging to think about putting away money for retirement when they still have student loan payments. It begs the question: If your employees are dealing with high…
    health savings accounts

    Health Savings Accounts: Features Your Employees May Thank You For

  • For the majority of future retirees, medical expenses pose significant risk to any retirement plan, and they are only projected to rise. Medical cost estimates for couples throughout their full retirement, assuming both partners are 65, has increased $15,000 from 2016 to 2017, bringing total projections to $275,000, after Medicare coverage.[1] Even for professionals with 401k balance projections at their target retirement age over $1 million dollars, this figure is daunting. At the same time, employers seek cost-effective strategies to…
    401k refund

    The Dreaded 401(k) Refund: Corrective Distributions

  • 401K REFUNDS: NOT AS GOOD AS THEY SOUND With tax season fresh on our minds, many hear the word refund and begin running down their imaginary wish list of ways to spend this extra money. However, when it comes to 401(k) refunds, or corrective distributions, the excitement should be dialed back. Corrective distributions are a headache for plan sponsors and employees alike. Essentially, these refunds mean that your plan has failed testing, and tax-deferred money that key employees set aside…
    Should We Have A Retirement Plan Committee?

    Should We Have A Retirement Plan Committee?

  • If you are an employer or employee who has decision-making authority over your company’s retirement plan, there is a strong chance that you are a 401(k) plan fiduciary. You have a legal obligation to operate the plan solely in the interests of the plan participants (people with retirement account balances) and their beneficiaries (people who may inherit those retirement account balances). Additionally, two other primary responsibilities are to manage the plan for the exclusive purpose of providing benefits and paying…
    Benchmarking 401k funds

    Benchmarking Your 401(k) Funds

  • Benchmarking is a retirement plan best practice that allows plan sponsors the opportunity to “take a peek under the hood” of their 401(k). The process allows you to compare your plan to similar plans, measuring key metrics such as participant saving and participation rates, fee reasonableness and service providers. Benchmarking should be a key part of your due diligence process and there are four main areas to focus on when assessing your company’s retirement plan. They are: 1. Plan Design…

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