Archive by category: Advisor ConnectReturn
Why Permitted Disparity Matters

Why Permitted Disparity Matters

When it comes to retirement plans, there are many ways to distribute a company’s profit sharing contribution. It may be as straightforward as a proportional, or “pro rata,” share to each eligible participant or it can be based on a formula that considers age or other factors.
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Payroll, It’s More Than a Detail

Payroll, It’s More Than a Detail

Download The Action DocEvery retirement plan design begins with a study of a company’s payroll. It’s the essential information that drives thinking around how to optimize tax and savings potential for both business owners and their employees.Once a plan is installed, we rely on payroll data to determine eligibility, vesting, and of course, contributions. Accurate and complete data is something we assume of course, but in the real world, information is not always timely or completely ...
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Consider Behavioral Bias in Retirement Plan Design & Communications

Consider Behavioral Bias in Retirement Plan Design & Communications

As an investment professional, you may already know a great deal about how behavioral bias affects how investors make decisions and how they perceive their account performance. We know, of course, that behavioral finance tells us that many people are influenced by their emotions, their aversion to risk, their own social peer group, and sometimes by a skewed perception of control or investment skill.
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Help Clients Find the 401k That’s Right for Them

Help Clients Find the 401k That’s Right for Them

Download The Action DocYou know the expression - it’s not a one-size-fits-all-world. We’re different. From the foods we eat, to the cars we drive, to the places we go on vacation. And it’s also true when it comes to 401k plans. Ask two company owners what their’s looks like and you might get two different answers. It happens for a good reason - they may understand it differently and in fact, they may have very different plans. It’s no wonder really since there are s...
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Helping participants understand RMDs

Helping participants understand RMDs

In the retirement plan business, we naturally focus on helping clients accumulate wealth. But at some point we turn our attention from accumulation to decumulation. After all, everyone will reach the age at which they no longer contribute to their accounts and begin to withdraw money from them to sustain their lifestyles beyond their working years.
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Compliance Essentials

Compliance Essentials

At a glance, compliance tests assure that every retirement plan is producing a meaningful benefit to rank and file employees and that it demonstrates a level of fairness in the benefits those same employees get as compared to the benefits achieved by owners and other highly compensated employees. While it's not your responsibility to oversee these tasks, we think it's important to keep in mind that data requests and compliance tests are part of how clients experience their retirement pla...
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Use Benchmarking to Your Advantage

Use Benchmarking to Your Advantage

In some ways you can divide clients into two groups - those who are primarily motivated by lowest cost and those who seek value. That doesn’t necessarily align nicely with retirement plan benchmarking since it’s much easier to compare and report things that are more easily quantified than things like expertise and quality and the care of consulting that we deliver together.
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Mergers and Acquisitions

Mergers and Acquisitions

Everyday companies large and small make decisions to combine forces. In fact, in 2017, more than 15,000 companies announced a merger or an acquisition. And it probably won’t surprise you, but M&A activity spans all major industry sectors and nearly all geographies. For some, it’s a strategy for growth. For others, it’s a defensive move to survive as markets and business requirements change.
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Four Things to Know About ERISA Fidelity Bonds and Fiduciary Liability Insurance

Four Things to Know About ERISA Fidelity Bonds and Fiduciary Liability Insurance

The Employee Retirement Income Security Act known as "ERISA" regulates 401k and most other types of employee benefit plans. Under ERISA, anyone who handles plan funds must be covered by a fidelity bond. The bond protects the PLAN from losses that may result from fraudulent or dishonest acts. Here are some important things to know about Fidelity Bonds. An ERISA Fidelity Bond is not the same thing as Fiduciary Liability Insurance.
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Aligning Plan Design with Client Goals

Aligning Plan Design with Client Goals

Download The Action DocMost of us live in homes that were not custom-designed for us. We adapt to them rather than expect them to be optimized to how we like to live. Most retirement plans are sold the same way. Companies buy something off the shelf that was intended for a generic audience, but not necessarily ideally suited for them. The irony is that while these plans are sold as cost-efficient, they often wind up costing their buyers a great deal in the long run because of lost tax savings or...
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