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Roth 401(k) Isn’t News

06/03/2019
By Jack Towarnicky

According to PSCA’s 61st Annual Survey, Roth 401(k) provisions are now as commonplace as automatic features1 - so much so that neither was a presentation topic at the PSCA 2019 National Conference.

A Saturday or two ago, I was struck by the matter-of-fact nature of a Wall Street Journal, “When to Save for Retirement in a Roth 401(k). Read More >>


Setting Savings Goals Through an Income Lens

05/30/2019
By Steve Kosoris

As a plan sponsor, the aggregate savings needs of your employee population should be an important consideration in plan design. To gain perspective on these needs, let’s look at how an individual might think about savings goals.

When we ask ourselves how much we need to save for retirement, for most retirement savers, it boils down to quality of life. Read More >>


Make It So Easy A Caveman Can Do It*

05/28/2019
By Jack Towarnicky

Did you miss PSCA’s 2019 National Conference? If so, you missed out on two timely presentations on investments:

  • Philipp Meyer-Brauns, Ph.D., senior researcher at Dimensional Fund Advisors, spoke on “Retirement Investing at the Summit,” which was a discussion of the impact of market volatility on retirement saving and investment1, while
  • Clearstead’s Sarah Parke, Microsoft’s Brandon Diersch, Comerica’s Renee Gallagher, and Fiduciary Investment Advisors’ Dennis Scarpa presented “DC Plan Investment Line-Up Simplification – what it is, why a plan sponsor should consider it, and trends and considerations to implement such a structure. Read More >>

Misleading Plan Sponsors Regarding Plan Loans Hurts Participants – Part 2

05/23/2019
By Jack Towarnicky

Don’t try to insulate participants – they themselves must be financially responsible, accountable.

As a plan sponsor, do you have misgivings about offering plan loans? In the first of two posts, I challenged benefit professionals to a debate over the reasons some use to encourage plan sponsors to limit or avoid liquidity via plan loans. Read More >>


Misleading Plan Sponsors Regarding Plan Loans Hurts Participants

05/20/2019
By Jack Towarnicky

Myths, Misdirection, Misrepresentations

Here is my challenge to any and every benefit professional or any plan participant: There is no valid reason to curtail access to qualified plan loans.

Disagree? Let’s debate. Send in your reasons. I will respond in a future blog post – and – if necessary, I will confirm when you are right and when I am wrong. Read More >>


Narrowing Retirement Savings Gaps

05/16/2019
By Jack Towarnicky

How Eligibility and Vesting Impact Retirement Savings

Historically, workers experienced significant gaps in retirement benefits due to eligibility and vesting provisions. Throughout the past 45 years, those gaps have been significantly reduced by a combination of legislation and plan design changes. Read More >>


Aggravation or Aggregation

05/13/2019
By Jack Towarnicky

A holistic wellness opportunity to gain a competitive advantage for your plan and participants.

I once had a boss who seemed to embrace a motto offered by Albert Einstein: “Everything should be made as simple as possible, but not simpler. Read More >>


Are You Answering the Right Questions?

05/06/2019
By Jack Towarnicky

Trends and plan design initiatives to meet the needs of America’s ever-changing workforce.

At the 2019 NAPA Summit, I partnered with provocateur Doug Prince, CEO of ProCourse Fiduciary Advisors, and PSCA research committee member, to present results from PSCA’s 61st Annual Survey of 401(k) and Profit-Sharing PlansRead More >>


Annuitization Anyone?

05/02/2019
By Jack Towarnicky

Looking For a Few “Good” Plan Sponsors, Part 2

My search continues for plan sponsors willing to innovate and help participants who need more retirement income without burdening other participants and the plan with the compliance burdens of an annuity. Read More >>


Tomorrow’s Retirement: Alarming or Amazing?

04/26/2019
By Jack Towarnicky

The best way to predict the future is to invent it.1 As a plan sponsor, what are you working on to invent the future of retirement?

Join Jack VanDerhei, research director at the Employee Benefit Research Institute, at PSCA’s 2019 National Conference, April 30-May 1 in Tampa, FL as he explores “Alternative Realities: Possible Futures for the 401(k) and The Impact on America's Retirements. Read More >>


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