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Value: The HSA In Your Future: Defined Contribution Retiree Medical-Part 3 of 3
As part three of a series focused on the H.S.A. drawn from my presentations at the World at Work, Total Rewards Conference, today’s post is the last in that series. The prior posts can be found here and here. The HSA is A Uniquely Powerful Retirement Savings Tool The HSA is powerful when plan sponsors and workers leverage its unique capabilities1... Read More >>
Access: The HSA In Your Future: Defined Contribution Retiree Medical - Part 2 of 3
A month ago, I previewed one of my presentations at the World at Work, Total Rewards Conference. Back in 2004, I predicted: “Twenty five years ago, no one had ever heard of 401(k), twenty-five years from now, everyone will have a HSA!” If you offer health coverage and/or an individual account retirement savings plan like a 401(k) or 403(b),... Read More >>
Qualified Plan Loans - Evil or Essential? - Part 1*
On May 22nd in Dallas Texas I will be presenting this topic at the World at Work, Total Rewards Conference. This is a preview of that presentation. Why do so many believe plan loans are “evil” in terms of their impact on retirement preparation? A quick Google search identified more than one hundred articles to document that most of the benefits... Read More >>
National Retirement Planning Week 2018 was two weeks ago. Did you miss it? (Another in a series)
Time to start working on National Retirement Planning Week 2019! As mentioned in a prior blog, PSCA recently joined the National Retirement Planning Coalition1. Their website is titled: “Retire On Your Terms.” The Insured Retirement Institute has participated in sponsoring a National Retirement Planning Week for the past ten years, this year... Read More >>
Financial Wellness Includes Retirement Planning & Preparation (Part of a Series)
PSCA recently joined the National Retirement Planning Coalition. The website is titled: “Retire On Your Terms.” Like other Coalition members, PSCA believes in the need for comprehensive retirement planning. However, perhaps retirement planning itself needs to change. Consider a discussion I had this week with a retirement savings... Read More >>
The HSA In Your Future: Defined Contribution Retiree Medical - Part 1*
On May 22nd in Dallas Texas I will be presenting this topic at the World at Work, Total Rewards Conference. This is a preview of that presentation which starts by focusing on: The projected range of post-employment medical coverage costs; The decline in employer-sponsored retiree medical coverage; The limitations on alternatives for tax-... Read More >>
401(k) Trends ... Where we've been ... Where we may be headed - Part 2
NAPA 401(k) Summit Pressentation This is a continuation of our last blog on 401(k) plan trends – past and future. In the prior post, I identified: Six 401(k) trends that have emerged over the past ten years, as documented in PSCA’s 60th Annual Survey, and Four other economic and demographic trends that affect 401(k) participation, including: -... Read More >>
401(k) Trends - Where We've Been and Where We May be Headed–Part 1
As presented to attendees of the NAPA 401(k) Summit April 15-17. In February, the Plan Sponsor Council of America (PSCA) released the results our 60th Annual Survey of 401(k) and Profit Sharing Plans. This week, I attended the National Association of Plan Advisors (NAPA) Summit for the first time to present on 401(k) plan trends. Much has... Read More >>
And, The Winner of the 401kRace Is....You
If you participate in your 401(k) plan, you win! It is that simple. Here are 10 steps to winning the 401kRace. 10. Start saving and keep your money in the plan. You don’t need to know the precise, final destination to start the 401kRace. As Yogi Berra once quipped: “If you don't know where you are going, you might wind up someplace else... Read More >>
Life is Full of Surprises, Life is Unpredictable*
Retirement planning projections are difficult – particularly if you limit savings to only those monies you will need for retirement. As a corporate, consulting and compliance benefits professional, I had the privilege of working personally with thousands of workers – particularly when it came to planning for retirement.2 In addition to pre-... Read More >>