As a plan sponsor, your 401(k) participants depend on you to help create the retirements they envision. The good news is that many of these participants likely recognize the importance of saving for retirement. In fact, with retirement lasting longer than ever, 401(k) millionaires – those with at least $1 million in their retirement accounts – have become increasingly common.

09 March 2020

As of February 26, 2020, the death toll from COVID-19 — the official name of the coronavirus first reported in Wuhan, China

02 March 2020

Exchange-traded funds (ETFs) have become increasingly popular since they were introduced in the United States in the mid-1990s. 

03 February 2020

The year began with the government stymied by a shutdown and ended with articles of impeachment levied against the president. In between, both domestic and global economies showed signs of slowing, all while the trade war between the United States and China loomed throughout the year. Nevertheless, investors remained relatively bullish toward stocks, pushing several major indexes to record highs. 

06 January 2020

A recent survey found that more than half of retirees have retirement planning regrets. Unfortunately, many of these retirees had to cut back on their lifestyles to compensate for financial shortfalls.Considering their most common regrets may help you avoid making the same mistakes.

09 December 2019

A successful investor maximizes gain and minimizes loss. Though there can be no guarantee that any investment strategy will be successful, and all investing involves risk, including the possible loss of principal, here are six basic principles that may help you invest more successfully.

04 November 2019

The Markets (third quarter through September 30, 2019)

The third quarter was full of ups and downs for stocks, much like the second quarter. 

04 October 2019

You know how important it is to plan for your retirement, but where do you begin? One of your first steps should be to estimate how much income you'll need to fund your retirement. That's not as easy as it sounds, because retirement planning is not an exact science. Your specific needs depend on your goals and many other factors.

16 September 2019

When you sit down with a financial professional to update your retirement plan, you may encounter a Monte Carlo simulation, a financial forecasting method that has become more prevalent in the last few years. 

06 August 2019


People ordinarily buy property and casualty insurance to protect their possessions (houses, cars, and furniture) and life insurance to provide income for their survivors. 

01 July 2019

Long-term care refers to the ongoing services and support needed by people who have chronic health conditions or disabilities. There are three levels of long-term care:

05 June 2019

If you follow financial news, you've probably heard many references to "the Fed" along the lines of "the Fed held interest rates," or "market watchers are wondering what the Fed will do next." So, what exactly is the Fed and what does it do?

02 May 2019

Following a tumultuous close to 2018, stocks enjoyed a robust January. Positive feedback from ongoing negotiations between the United States and China...

01 April 2019

Keeping your cool can be hard to do when the market goes on one of its periodic roller-coaster rides.

25 February 2019

Every year, the Internal Revenue Service announces cost-of-living adjustments that affect contribution limits for retirement plans and various tax deduction, exclusion, exemption, and threshold amounts. Here are a few of the key adjustments for 2019.

02 January 2019

Conventional wisdom says that what goes up must come down. But even if you view market volatility as a normal occurrence, it can be tough to handle when your money is at stake. Though there's no foolproof way to handle the ups and downs of the stock market, the following common-sense tips can help.

03 December 2018
Planning on working during retirement? If so, you're not alone. An increasing number of employees nearing retirement plan to work at least some period of time during their retirement years.Obviously, if you work during retirement, you'll be earning money and relying less on your retirement savings — leaving more to potentially grow for the future and making your savings last longer, as shown in the example below:
05 October 2018

As the cost of a college education continues to climb, many grandparents are stepping in to help.

05 September 2018

As the cost of a college education continues to climb, many grandparents are stepping in to help.

05 September 2018

The Federal Open Market Committee (FOMC) is the policymaking branch of the Federal Reserve. One of its primary responsibilities is setting the federal funds target rate. The FOMC meets eight time per year, after which it announces any changes to the target rate. The Federal Reserve (the Fed), through the FOMC, uses the federal funds rate as a means to influence economic growth.

02 August 2018

Each year, the Employee Benefit Research Institute (EBRI) conducts its Retirement Confidence Survey to assess both worker and retiree confidence in financial aspects of retirement. In 2018

02 August 2018

Deciding when to retire may not be one decision but a series of decisions and calculations. For example, you'll need to estimate not only your anticipated expenses, but also what sources of retirement income you'll have and how long you'll need your retirement savings to last. You'll need to take into account your life expectancy and health as well as when you want to start receiving Social Security or pension benefits, and when you'll start to tap your retirement savings. Each of these factors may affect the others as part of an overall retirement income plan.

26 June 2018

If you participate in a 401(k), ESOP, or other qualified retirement plan that lets you invest in your employer's stock, you need to know about net unrealized appreciation--a simple tax deferral opportunity with an unfortunately complicated name.

17 May 2018

Qualified cash or deferred arrangements (CODAs) permitted under Section 401(k) of the Internal Revenue Code, commonly referred to as "401(k) plans," have become one of the most popular types of employer-sponsored retirement plans.

16 May 2018


Investment behavior of retirement investors historically consistent,  regardless of stock market direction, glide path type, or time horizon

Key Takeaways

  • The savings behavior of target date strategy investors in workplace retirement plans has been consistent over time, even during episodic stock market declines.
13 March 2018

After a period of relative calm in the markets, in recent days the increase in volatility in the stock market has resulted in renewed anxiety for many investors. 

08 February 2018

Investors tend to see short-term volatility as the enemy. Volatility may lead many investors to move money out of the market and “sit on the sidelines” until things “calm down.” Although this approach may appear to solve one problem, it creates several others:

05 February 2018

Bitcoin and other cryptocurrencies are receiving intense media coverage, prompting many investors to wonder whether these new types of electronic money deserve a place in their portfolios.

25 January 2018

The value difference between an optimized plan and claiming early 

Executive Summary 

Many advisors venture into the Social Security planning world after interfacing with an article or a calculator that identifies the value difference between claiming early and some optimized strategy that includes the delay of at least one member of the couple’s benefit. The value difference can be striking, often from tens to hundreds of thousands of dollars.1

08 January 2018

Sure, your financial advisor claims to be giving you good advice. But just who is it good for?

All too often, it isn't you.

23 June 2016

When it comes to retirement, most people aren't.

Studies show that some 75% of all Americans reaching retirement age have less than $30,000 socked away to take them through their golden years. And when you consider that people will need about twenty times their annual income to maintain their standard of living, for those folks the future looks bleak indeed.

20 May 2015

Having a comprehensive and affordable health insurance strategy is more than just a critical component in your retirement plan; it's a critical component in your quality of life.

06 May 2015

In recent years, retirement plan sponsors and plan providers have been evaluating the effects of a low interest rate environment on participants' retirement income adequacy. In many cases, sponsors have begun exploring plan design strategies that encourage participants to save more for retirement. One of the strategies being discussed is restructuring employer matching contributions.

18 February 2015