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Participant Memo:

Participant Memo:

Tax Saver’s Credit: Get the “Credit” You Deserve!   You may be eligible for a valuable incentive, which could reduce your federal income tax liability, for contributing to your company’s 401(k) or 403(b) plan. If you qualify, you may receive a Tax Saver’s Credit of up...

IRS/DOL Audits Are Increasing Dramatically. Are You Ready?   

IRS/DOL Audits Are Increasing Dramatically. Are You Ready?  

Facts you should know If your plan has not been recently audited, it is likely only a matter of time before the Internal Revenue Service (IRS) or the Department of Labor (DOL) comes knocking. If/when you are notified of an audit, early preparation can help streamline...

Financial Hypochondria: When Investment Vigilance Becomes a Problem

Financial Hypochondria: When Investment Vigilance Becomes a Problem

Plan sponsors invest much time and effort in improving employee financial literacy. They offer educational content, provide opportunities for group and individual consultation, and encourage participants to approach retirement planning proactively by staying on top of...

The Risk of 401(k) Lawsuits: If It Can Happen to Them…

The Risk of 401(k) Lawsuits: If It Can Happen to Them…

When a giant organization with extensive resources gets sued for alleged ERISA compliance failures — especially if the organization’s own service offerings include reviewing for such violations — that could very well be the canary in the coalmine for all other, lesser...

Participant Memo: Planning Financial Futures

Participant Memo: Planning Financial Futures

Do you spend more time planning your annual vacation than you do thinking about your personal finances? If so, you’re not alone. A lot of people put off financial planning or avoid it altogether. Personal financial planning is an ongoing, lifelong process. If we break...

Retirees’ Retirement Asset Withdrawal Rate: Will Your Money Last?

Retirees’ Retirement Asset Withdrawal Rate: Will Your Money Last?

For many years the investment advisory community has proposed that if retirees withdrew their retirement assets at the rate of 4% annually there is a high probability that assets would last to normal life expectancy. The 4% “rule” is not a one-size-fits-all solution,...

Survey Says… What’s Your Take on Financial Wellness Programs?

Survey Says… What’s Your Take on Financial Wellness Programs?

A recent comprehensive TIAA survey of financial wellness plan participant perceptions may be helpful to plan sponsors who have, or are considering implementing, a wellness plan for their employees. Employees’ definition of financial wellness varies considerably:...

Participant Memo: Key Dates as You Approach Retirement

Participant Memo: Key Dates as You Approach Retirement

At what age can retirement plan distributions begin? When can a person begin to receive Social Security? As you get closer to your retirement date you may start to wonder about your eligibility for certain withdrawals and programs you are entitled to. Refer to this...

This communication is strictly intended for individuals residing in the states of FL, GA, MA, and SC. No offers may be made or accepted from any resident outside the specific states referenced.

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