Insights

Humbling times for markets

Investors of all stripes are rejigging their portfolios to avoid excesses and faulty assumptions.

Fewer Than 3 in 10 Roth IRA Savers Hit This Benchmark. How Do You Compare?

Most Roth IRA savers aren’t maxing out their accounts—but small moves like automating deposits or steadily increasing contributions can help close the gap.

ERISA 3(21) vs. 3(38) FIDUCIARIES: What Trustees and Plan Sponsors Need to Know

When it comes to group retirement plans, the roles of advisors can be confusing. Understanding the difference between ERISA 3(21) and 3(38) fiduciaries is crucial for trustees, committee members, and plan sponsors. These roles determine how much liability plan sponsors retain and how much control they can delegate to their advisor. What Are 3(21) and […]

What is a Fiduciary and Why Does it Matter?

The term “Fiduciary” has been making headlines in recent years, appearing frequently in the news and digital media. Even the President of the United States has advocated for financial advisors handling retirement accounts to be named fiduciaries and adhere to a fiduciary standard of care. But what exactly does it mean to be a fiduciary? […]

Understanding the Liability of Plan Sponsors in Group Retirement Planning

As a plan sponsor, managing a group retirement plan comes with significant responsibilities—and risks. At some point, most group retirement plans are likely to face an audit by the U.S. Department of Labor (DOL). These audits can result in monetary fines or taxes levied not only on the companies sponsoring the plans but also, in […]

Disclaimer: Information presented is third-party content for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein.