retirement
Exclusive Interview: Peter Gulia Explains Difference Between “Settlor” (Plan Design) And “Fiduciary” (Plan Administration) Functions
How do we design and administer retirement plans?
Why I’m Thankful for the 401k
I’m old enough to remember a world before the 401k. So distant was this anomaly in the tax code, that I, like nearly everyone else, was unaware of its existence, let alone its significance when it was formulated in 1978. What makes this more ironic was that it was my Congressman, Barber Conable, that led the way.
How Does Embedding Retirement Income Into A Target Date Fund Work?
It’s not just plan sponsors and plan participants that need convincing. The entire retirement plan infrastructure must also get on board. That doesn’t mean the hurdles can’t be overcome.
Should A 401k Plan Sponsor Take On The Additional Fiduciary Liability Associated With Retirees?
The decision to retain and service company retirees appears (at first blush at least) to be a no-brainer. But that includes a very important assumption.
Do 401k Plan Sponsor Have Fiduciary Responsibilities For Employees In Retirement?
If you think the web of fiduciary duties is complex in a 401k plan that focuses on getting employees to save for retirement, imagine how much more intricate it becomes if the plan also has to cater to retired employees.
If You Meet Your Objectives, Does It Make Sense To Worry About Fees?
While diligence is to be applauded, that’s not to say you can’t carry it to an extreme. If fact, some folks are so hung up on fees, they sometimes fail to see the bigger picture.
When It Comes To Fees, How Does A 401k Fiduciary Measure Value?
Clearly, you wouldn’t pay more for 2 apples if you could get 3 for the same price, but would you pay more to get 2 oranges instead?
How 401k Plan Sponsor Fiduciary Liability Changes When Retaining Retiree Assets
Once a person enters retirement, the number of scenarios proliferate. Unless the plan sponsor is a financial professional, it’s going to be a challenge to quickly comprehend all these options.
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