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Tag "retirement"

Using 401k AI To Close Savings Gaps With Fiduciary Fixes

    Using 401k AI To Close Savings Gaps With Fiduciary Fixes

While the current landscape is still taking shape, the trajectory of AI’s influence is undeniable. There’s no question 401k AI is moving in a direction where it will take on a critical role in moving beyond averages to identify specific savings gaps and in enabling more precise, effective fiduciary interventions.

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Mastering 401k AI Personalization Pitfalls Wisely

    Mastering 401k AI Personalization Pitfalls Wisely

Before widespread use, 401k AI personalization needs careful management of fairness, transparency, and fiduciary duty. And when you read “plan sponsors must,” you’re really reading “plan sponsors’ service providers must.”

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Beyond Target Date Funds: How Tailored 401k Plan Design Strategies Keep Near-Retirees On The Right Path

    Beyond Target Date Funds: How Tailored 401k Plan Design Strategies Keep Near-Retirees On The Right Path

For ERISA fiduciaries, the challenge is clear: move beyond the default, and design a 401k plan that truly serves the diverse needs of its participants. In doing so, you not only safeguard retirement incomes but also reinforce the trust placed in you by those relying on your expertise.

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The 401k Advantage: Enhancing Recession Preparedness for Retirement Plans

    The 401k Advantage: Enhancing Recession Preparedness for Retirement Plans

As recessions become an inevitable part of the economic cycle, the responsibility of ERISA fiduciaries and 401k plan sponsors is clear. For plan sponsors, the answer lies in a proactive, hands-on approach. It’s about continuously reviewing plan design, investing in technology, and fostering a culture of financial literacy among participants.

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How SECURE 3.0 Could Reshape the 401k Fiduciary Regulatory Landscape—and Why That’s a Good Thing

    How SECURE 3.0 Could Reshape the 401k Fiduciary Regulatory Landscape—and Why That’s a Good Thing

The blend of traditional and modern retirement plan types could evolve further with SECURE 3.0.

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Social Security Reform Requires A Dual-Track Approach for Retirees and Future Workers

    Social Security Reform Requires A Dual-Track Approach for Retirees and Future Workers

Proposals focus on recalibrating the program’s benefit formulas and exploring new contribution models to secure future solvency. Proponents argue that modernizing these aspects will help the program adapt to longer life spans and changing economic conditions without sacrificing current commitments.

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Corporate Tax Incentives Congress Can Add To Encourage Greater Retirement Savings

    Corporate Tax Incentives Congress Can Add To Encourage Greater Retirement Savings

If you look at headlines in the retirement industry trade press, rarely does a week go by when you don’t see an article lamenting the low retirement savings numbers. How do we change this?

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Will Extending Tax Cuts Cost Retirement Savers?

    Will Extending Tax Cuts Cost Retirement Savers?

Ironically, while some see lowering the savings limit as politically palatable because it impacts only a small segment of the population, that same fact reduces the effect of such a policy shift.

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Summary of 2024: Navigating the Evolved Fiduciary Landscape for Retirement Plan Fiduciaries

    Summary of 2024: Navigating the Evolved Fiduciary Landscape for Retirement Plan Fiduciaries

2024 was a year of adaptation for retirement plan fiduciaries who navigated through regulatory changes, legal landscapes, and participant needs with a renewed focus on governance, liability management, and the holistic management of retirement plans.

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Industry Pros Comment On ERISA Advisory Council Draft Recommendations

    Industry Pros Comment On ERISA Advisory Council Draft Recommendations

Here the intent is to make it possible for a plan/IRA to apply the QDIA safe harbor to involuntary rollovers. But how will this impact plan participants?

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