New Social Security Rules: How to Maximize Benefits
While many old Social Security claiming strategies have been eliminated, action can still be taken to obtain the highest possible benefits.
New Regs Encourage Split Annuity Pension Option
IRS rules change the traditional decision-making process for clients on whether to accept a lump sum from a pension plan or an annuity.
Are Your Clients’ 401(k)s 'True Up' Plans?
Scheduling clients’ contributions carefully can make a big difference over time in a 401(k) account balance.
Deciphering ‘BICE-Lite’ in the DOL Fiduciary FAQs
DOL’s streamlined provision for recommendations of distributions and rollovers by “Level Fee Fiduciaries” is useful, but strings are attached.
The Alternatives to Chasing Yield
In looking for “bond-replacing” securities in client portfolios, consider the company’s growth prospects and valuation.
Small Business Self-Funded Health Insurance Surges
For the right firm, the self-funding healthcare option can help employers mitigate the risk of rising premiums while continuing to assist employees with health coverage.
Cash Balance Plans Supersize Small Business Retirement Savings
Hybrid cash balance plans can provide small businesses with an opportunity to more than quadruple annual retirement savings.
Rethinking Asset Allocation for Aging Clients
Arbitrary notions about aging—and conventional wisdom on managing money for clients in retirement—may be off target.
Dodging a Pro-Rata Tax Debacle on IRA Transactions
Ignoring the pro-rata rule on retirement plan distributions can turn a nontaxable transaction into one that generates a big tax bill.
DOL Fiduciary: Outsourcing Offers Small Firms a Lifeboat
The primary focus for smaller plan sponsors looking to comply with the DOL fiduciary rule will likely be on mitigating risks through outsourcing.