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Change in the financial planning landscape is a given. We routinely post content that will help you stay current with legislative topics, financial planning tools, and everything you want to know about retirement strategies.
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Retirement Investing: Unmasking the Dividend Myth
If ever there were an appropriate analogy for how to invest for retirement, it would be the classic fable of The Three Little Pigs. As you may recall, those three little pigs tried three different structures to protect against the
Q1 2024 Fiduciary Hot Topics
DOL Releases New Fiduciary Advice Proposal On October 31, 2023, the Department of Labor (DOL) released its “Proposed Retirement Security Rule: Definition of an Investment Advice Fiduciary,” along with proposed revisions to Prohibited Transaction Exemptions (PTEs) 2020-02, as well as
Surging Credit Card Debt: Strategies for Plan Sponsors to Help Bolster Retirement Readiness
With U.S. credit card debt recently soaring to a record high of $1.08 trillion, retirement plan sponsors face a pivotal moment. This staggering amount, a $48 billion escalation since the second quarter and a $154 billion increase year-over-year is a
Answering Your Nontax Estate Planning Questions
When advising our clients, we tend to focus heavily on tax issues—including income, estate and generation-skipping taxes. While tax planning is a big part of estate planning, taxes aren’t necessarily the first question on a client’s mind when beginning the
Understanding the Basics of Estate Planning
You’ve spent your life building equity in your home, making your car payments and building a profitable stock portfolio. But do you have a plan detailing what happens to all those assets after you die? Knowing the basics of estate
Active vs. Passive Funds
The active vs. passive¹ funds debate has been with us for some time. Generally, proponents of active management are looking to “beat the market.” For several years during our recent raging bull market, the average passively managed fund has outperformed
Financial Quick Takes: Is Your Portfolio Underperforming … Compared to What?
Ah, we restless humans. Sometimes, it pays to strive for greener grass. But as an investor, second-guessing a stable strategy can leave you in the weeds. Trading in reaction to excitement or fear tricks you into buying high (chasing popular
Navigating the Complexity of EBSA Investigations
Members of the House of Representatives recently raised concerns regarding the Department of Labor’s EBSA investigations into plan sponsors, citing them as lengthy and burdensome, and called for reform. In a Sept. 19 letter to Acting Labor Secretary Julie Su,
401(k) Fears: What’s a Plan Sponsor to Do?
Sound investment decisions are rarely made under the weight of worry. The field of behavioral finance points to a number of cognitive distortions that feed on investor fear – including 401(k) fears – and can plague participants’ decision-making while compromising
Gratitude in Brief for the Holiday Season
If you think about it, “reflection” is an interesting word. Depending on the context, it can mean gazing backward in time, inward to your personal core, or outward at how others perceive you. Regardless of the view, we believe there’s
Navigating Market Crowd Wisdom
In a bit of a paradox, you’ll find the following two titles on our recommended reading list: The Wisdom of Crowds, James Surowiecki (2005) Memoirs of Extraordinary Popular Delusions and the Madness of Crowds, Charles Mackay (1852) So, which is
Fed Rate Decision: Implications for Sponsors
In September, the U.S. Federal Reserve announced it would hold interest rates steady for now but signaled at least one more hike may lie ahead before the end of the year. Moreover, rates are likely to stay elevated, as the
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