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The “Other” Retirement Planning Model (First of a Series)

03/30/2018
By Jack Towarnicky

In my last plan sponsor role, I very much enjoyed one of my work assignments - leading a pre-retirement planning seminar.  It was offered at least five times a year.  It was a two day affair, offsite, with food and spirits. Read More >>


The 401k Race is a Marathon

03/28/2018
By Jack Towarnicky

You Can’t Sprint Your Way to Retirement

To succeed in the 401kRace, it takes consistent savings activity over an extended period of time.  It is a marathon, not a sprint.    

100 Meters is a Straight Line Sprint; Retirement is at the Finish of a Winding Road Marathon

The 401kRace is a marathon – a distance race, decades in length. Read More >>


Delivering Financial Wellness: How to move from “idea” to “action.”

03/26/2018
By Jack Towarnicky

Mark Singer, CFP®, President and Founder, Financial Literacy Toolbox will present on financial wellness at PSCA’s 71st National Conference. Click here for the full agenda.

Financial Literacy Challenge

Financial stress may be the result of Ineffective personal financial management and poor financial habits. Read More >>


Your Team in the Race for Retirement

03/23/2018
By Jack Towarnicky

Long ago, having run a few races, I often found myself running alone – whether in training or in the race itself.  But, in fact, after my first race, I was never really, truly alone.  I had my team with me – every step of the way. Read More >>


Risky Business - Retirement Risk Taxonomy

03/21/2018
By Jack Towarnicky

Carol Bogosian will present the results of Society of Actuaries post-retirement risk analysis at the PSCA's 71st Annual National Conference.

Many Americans envision a retirement of leisure and travel – financed by federal entitlements like Social Security and Medicare and participation in retirement savings plans. Read More >>


All Time Famous Races! Now it is Your Turn

03/13/2018
By Jack Towarnicky

Is the 401(k) the Wind At Your Back?
It is easier to win your 4.01K Race for Financial Fitness™ if you have the backing of tax preferences and employer financial support which are only available in a 401k plan.

Consider these historic races:

  • The 100 Meter Dash: The current women's world record in the 100 meters dash is 10. Read More >>

More Doom & Gloom? The Real Retirement Crisis

03/08/2018
By Jack Towarnicky

Andrew G. Biggs, Resident Scholar at the American Enterprise Institute, will kick-off PSCA’s 71st National Conference (May 1st – May 2nd, Scottsdale, AZ) by confirming America does have a retirement crisis, while dispelling the myth that our crisis results from a failure of workers to save. Read More >>


Roth Will Be 21 Years Old Next Year

03/06/2018
By Jack Towarnicky

What Should A Plan Sponsor Do Now That Roth Provisions Are Likely Here To Stay?!  

Baby, look at you now!  Next year, Roth will be 21 years old (See blog Roth Celebrates its 20th Anniversary!)

Last year, as part of the Tax Cuts & Jobs Act of 2017 legislative process, the Plan Sponsor Council of America (PSCA) became a founding member of the Save Our Savings Coalition (SOS). Read More >>


America Doesn’t Save Enough Week

03/01/2018
By Jack Towarnicky

This week is America Saves Week.  And today, Thursday, March 1st, is “Save to Retire” day. The recommended “save to retire” actions are:    

“Saving now for retirement will ensure you have enough money to have a comfortable standard of living when you stop working or reduce the amount of hours you work. Read More >>


Roth Celebrates Its 20th Anniversary

02/27/2018
By Jack Towarnicky

How Did We Get Here?  Where Are We Now?   

America doesn’t have a formal, stated, retirement policy.  Individual Retirement Account (IRA) and employer-sponsored retirement plan provisions are creatures of our income tax system.  Throughout the past 45+ years, we have seen American’s retirement savings take a back seat to federal government budget and revenue needs. Read More >>


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