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Reforming Roth provisions may be key to improving savings rates for Millennials. My proposal.
Millennials are not saving enough for retirement. The Roth 401k concept is outstanding and provides an excellent way to build long-term wealth with tax benefits
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Let’s put “Income” back in ERISA
We recommend the government and industry nudge plan participants toward better retirement income results. Tweak ERISA by allowing more competition.
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MassMutual settled its “functional fiduciary” lawsuit – a cause for hope for greater fee transparency.
MassMutual Life Insurance Company settled its functional fiduciary lawsuit. Revenue sharing payments were not disclosed to the plan sponsor.
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Small business owners are redefining the market for 401(k) plans. Result: Mass market “products” are about to go extinct.
Small business retirement 401k plans value choice over all other buying factors. That’s a common observation across all markets and professions.
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Edison International case highlights a needed reform: Share class restrictions in 401(k) plans.
The time has come for share class reform in 401(k) plans. The use of multiple share classes for mutual funds in 401k plans is confusing small business retirement plan sponsors.
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Hiring an ERISA 3(38) Investment Manager can be the simplest way to limit 401(k) investment liability.
The need for a professional investment manager for small business retirement plans should not be overlooked. It limits 401(k) investment liability
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Financial wellness is impossible to achieve without plan participation. Here’s how to address the issue with your employees.
Financial wellness is difficult to achieve without 401k plan participation. The primary reason employees do not participate in 401k plans is their personal budget.
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Why small business retirement plans with high asset balances actually pay more for their plan services.
Benchmarking fees of small business retirement plans or small business 401k recordkeeping is way more difficult than it needs to be.
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Vanguard’s John Bogle makes his case for improving 401(k) plans. Here’s why his Senate testimony rocks.
John Bogle details the flaws in the current regulations governing 401(k) plans and the mutual fund industry putting profits above fiduciary duty.
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Senate Finance Committee holds a hearing today on “Retirement Savings 2.0.” Here is what they should address to help small business retirement plans.
Congress should provide greater incentives, 401k participation should become a serious commitment by the employee for their small business retirement plans
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