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mark61504
Sep 8, 20221 min read
Stop Saving or Double Down?
When bear markets hit, retirements savers discipline is frequently tested. It can be discouraging to see your account balance go down...
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mark61504
Aug 25, 20221 min read
HSA limits going up
For the super saver's among us, hopefully you are fully taking advantage of your company retirement plan. 2022 limits of $20,500 and...
21 views0 comments
mark61504
Aug 5, 20221 min read
Wild Wild West.....of 403b's
Despite all of the talk about 401K plan fees over the last decade, their cousins, the 403b, still lack clarity in terms of their...
26 views0 comments
mark61504
Jul 21, 20221 min read
Aren't Stretch IRA's Dead?
Under the SECURE Act, the method of inheriting an IRA and then stretching it out over ones lifetime was greatly diminished. Imagine a...
6 views0 comments
mark61504
Jun 3, 20221 min read
Hypothetical Trade-Offs and What They Tell Us About Ourselves
According to a 2021 PLANSPONSOR Participant Survey, the average retirement saver may not be that savvy. That is of course not what the...
14 views0 comments
mark61504
May 16, 20222 min read
Time in the market, buying at a discount, and other things us financial professionals shouldn't say.
Well, here we are. The first quarter of 2022 stunk for your retirement accounts. The S&P 500 Index was down over 4% and the Barclays...
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mark61504
Apr 6, 20221 min read
What are the top financial priorities of employees?
According to The Financial Wellness Report, published in partnership with ADP, employees have a lot of concerns. The following is the...
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mark61504
Mar 9, 20221 min read
Another Proprietary Fund Lawsuit: What does independent even mean?
Lowe's famous tagline is "Do it right for less". In the case of their 401K plan, a judge found Aon didn’t violate ERISA when encouraging...
52 views0 comments
mark61504
Mar 7, 20221 min read
DOL's ESG Rule & 401K's
The DOL issued a much anticipated rule on the use of ESG investments in retirement plans. The E stands for environmental, the S stands...
22 views0 comments
mark61504
Feb 25, 20221 min read
Retirees Waiting to Tap RMDs
Behavior in retirement has been pretty, pretty, pretty good! A research paper from JP Morgan Asset Management shows most people aren't...
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mark61504
Feb 23, 20221 min read
Medicare Premiums: Inflation Strikes Again
The standard Medicare Part B premium which covers doctors visits and other outpatient services increased to $170.10 per month in 2022. ...
7 views0 comments
mark61504
Feb 2, 20221 min read
Closing Racial & Ethnic Savings Gaps in 401(K)'s
Black & Latino 401K savings rates are lower compared to their white counterparts according to recent research from T. Rowe Price. The...
12 views0 comments
mark61504
Jan 25, 20221 min read
Benefits of Working Longer
Many Americans aspire to retiring early. Social Security ages frequently guide employees decision on when to retire. For older...
7 views0 comments
mark61504
Jan 21, 20221 min read
Financial Wellness a Differentiator for Employers
As employers look to differentiate their financial benefits in a tight labor market, one area that is scoring high with employees...
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mark61504
Dec 15, 20211 min read
Emergency Savings Accounts having a moment...
Emergency savings accounts offered by employers are back in the news. In Washington, there are proposals to allow for distributions from...
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mark61504
Dec 10, 20211 min read
Reading Fed Tea Leaves
How important is it for you to read what the Fed is doing to determine your investment strategy? How much say does the Fed even have in...
8 views0 comments
mark61504
Nov 19, 20211 min read
Not your K, your SSA!
When we meet with individuals, one of the most overlooked elements of their retirement is also frequently the biggest, their Social...
10 views0 comments
mark61504
Nov 10, 20211 min read
HSA's, fund today, spend in retirement?
The HSA (health savings account) is frequently mistaken with it's cousin the FSA. Employees are frequently confused on how these...
15 views0 comments
mark61504
Nov 5, 20211 min read
2022 Retirement Plan Limits
Balancing a plan with changing demographics can be a challenge. Employee turnover in a small retirement plan can make or break your plan...
8 views0 comments
mark61504
Oct 28, 20211 min read
Things Nobody Tells You About Debt
Yes it is a parody site, but The Onion highlights the uncomfortable, frequently making for a quick laugh. The following makes light of a...
15 views0 comments