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Retirement Retirement

  • DOL proposal could make advising more flexible

    The U.S. Department of Labor published two proposed rules in the Federal Register to make investment advice more flexible for participants of 401(k) plans and IRAs.

  • Raw Bar: Economic woes driving consumer coverage choices

    New research from the National Association of Insurance Commissioners shows the economy is causing more and more consumers to skip the doctor's visit or cutback on prescription drugs. It's bad news for employers looking to corral long-term health costs.

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  • Gen X & Gen Y not on track for retirement

    New data shows that Americans age 19-39 are following in their older generation's footsteps and are not on track to save enough for retirement, "Preparing for Their Future: A Look at the Financial State of Gen X and Gen Y" a study from the American Savings Education Council reports.

  • Employers re-examine retirement plans in bad economy

    An economic downturn may be the perfect time for advisers to focus on their retirement business. When the markets are up most employers don't look backwards, but when it's down, it's a good time to look at their plans.

  • Raw Bar: Wellness, health care reform and lean times retirement sales strategies

    You want to know how to drive retirement sales in a tight economy? Want to hear what the industry's best advisers are doing on the wellness front? Want to gird your client's wellness programs from the inevitable sophomore slump? Want to have the answers to your client's HSA questions? Want to elevate the health care reform debate?

  • Fee disclosure rules would complicate adviser dealings

    Concerns mount about planned ERISA changes among benefits managers and the brokers who serve them. Some say the Department of Labor's proposed changes to 408(b)(2) of ERISA - especially those dealing with advance compensation disclosure and conflict of interest reporting aspects - are overly burdensome and redundant.

  • Retirement disclosure presents challenges, opportunities

    New retirement rules are in the works that would affect retirement plan advisers. With changes rolling though Congress, the Department of Labor and the Securities and Exchange Commission the question isn't "if" it's "when" changes will occur. It seems all changes are directed at more disclosure on the part of advisers.

  • Employers beginning to shake off the lump-sum mentality in favor of annuities

    Behavior economics shows that when workers reach retirement, they prefer a lump-sum distribution - they want the money they earned and they want it (all of it) now. Some employers are putting the brakes on such rashness.

  • 401(k) 'debit' cards may be banned

    Congress is considering legislation that would effectively prevent plan participants from taking loans out of their 401(k) accounts to pay for non-hardship pre-retirement expenses.

  • Raw Bar: Retirement automation continues to spread

    New research from Deloitte shows that more and more employers are getting on the automation bandwagon. The number of companies with automatic enrollment has doubled in just the last few years, according to the consultancy. Automatic deferral increases are also gaining popularity. Listen in as Deloitte's Mark Dzierzak goes behind the numbers, identifying what they mean for advisers, employers and individual savers.

  • Raw Bar: Major employers bearish on medical tourism

    That's just one of the themes in this week's Raw Bar. Listen in as the National Business Group on Health's Helen Darling talks about new research, detailing how major employers are smart enough to know that workers won't be rushing to fly half-way around the world for surgery, regardless how much they might save in the process.

  • ERISA lawyers target IndyMac fiduciary breach

    Let the lawsuits begin. Keller Rohrback L.L.P., the law firm best known for it's class-action lawsuit against WorldCom in 2004, is currently investigating IndyMac Bancorp for potential violations of ERISA. The firm says the investigation focuses on investments in company stock in IndyMac's 401(k) plan.

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