Retirement Planning Should You Participate in Your 401(k) Plan? Here's How to Decide. This probably won’t come as a surprise, but Americans are lousy savers. A recent Guideline survey found that only 48% of workers feel at least somewhat confident about their ability to retire
Future Focus New Research: American Workers Aren't Prepared for Retirement Our new survey shows that workers lack both investment knowledge and adequate opportunities to save for the future.
401(k) Basics 401(k) Profit Sharing Plans: The Nuts and Bolts of a Great Benefit Despite its name, profit sharing in a 401(k) plan doesn’t actually have much to do with your company’s profits. Profit sharing is a pre-tax contribution employers can make to their
401(k) Basics The 401(k) Provider Checklist: How to Choose a Great Plan Before we dive in, give yourself a pat on the back. Shopping for a 401(k) provider means you’re about to give your employees a benefit they crave. Recent research shows that
401(k) Basics The Small Business Guide to Offering a 401(k) Plan Offering a 401(k) sends a great message to your employees — that you’re invested in their future. Recent research shows that half of American families have no retirement savings, and that less
Company News Partnering with the Pension Research Council to Make Retirement More Accessible We are excited to share that Guideline is joining the Pension Research Council at the Wharton School at the University of Pennsylvania. We had the opportunity to meet Pension Research Council (PRC) Executive
Future Focus How to Use Employee Benefits to Retain a Winning Team and Workplace Culture Today, I have the pleasure of speaking at the U.S. Chamber of Commerce Small Business Summit about using employee benefits to retain a winning team and workplace culture. During the session, my
Future Focus Fees, Fiduciaries, and the Future — Advice from the Father of 401(k) Ted Benna is recognized as the father of 401(k) in the benefits industry. While designing a retirement program for a client in 1979, Benna concluded that Section 401(k) of the tax
401(k) Basics Safe Harbor 401(k): The 2017 Guide for Business Owners What’s a Safe Harbor 401(k)? How do you offer one? And why are there so many confusing acronyms? Don’t worry. We’ve helped many companies set up compliant 401(k)
Company News Partnering with Felicis Ventures to Make Smart, Participant-First Retirement Planning the Industry Standard For the most part, the 401(k) industry has evolved in the wrong direction. Legacy 401(k) providers have either lost focus on - or abandoned completely - the goal of the programs
Future Focus What OregonSaves and State-Run IRAs Mean for Your Business Fifty-five million American workers currently lack access to a workplace retirement plan, and a majority of those people work at a small business with fewer than 100 employees. To combat the massive U.
Company News Closing the Retirement Savings Gap Across America Within ten months of launching the Guideline retirement platform, we’ve surpassed $100 million in assets under management (AUM) and now work with more than 1,500 small and mid-sized businesses across state
401(k) Basics What a 401(k) Means to Your Team and How to Get it Right According to the Economic Policy Institute (EPI), close to half of all American families don’t have any retirement savings. This uncertain future presents your business with the opportunity to build a stronger
401(k) Basics Stay the Course: Market Volatility and Your 401(k) There is never a bad time to invest in your retirement, and turbulent stock markets are no exception. As stressful as bear markets can feel, market volatility is an intrinsic part of investing.
Company News Slaying 401(k) Fees at Scale At Guideline, we are committed to bringing transparency to a legacy industry riddled with predatory fees. Today, I’m excited to announce two important steps towards our goal of offering the most employee-focused
Company News The Guideline 401(k) Investment Principles Guideline’s investment strategy is driven by our mission to help small business employees save more for retirement. With this goal, we have four guiding investment principles: Make retirement saving more accessible Minimize
401(k) Basics Automatic Enrollment: Your New Best Friend for Retirement Savings Too few Americans save for retirement for two reasons: Many companies still don’t offer retirement plans, and the majority of employees aren’t taking advantage of their employers’ retirement benefits. As a
401(k) Basics Why Small Businesses Should Start Offering Retirement Plans in 2017 Half of American workers don’t save for retirement in a meaningful way. It’s not because they don’t want to save; many just don’t have access to a quality retirement
Company News Your 401(k) Is Garbage…But It Doesn’t Have to Be Over the last few weeks, I have been reading about the investment industry enriching themselves with outsized fees from retirement plans for teachers. This follows a wave of lawsuits against several major universities,
Company News A Serious Focus on People Every day, I wake up and remind myself of Guideline’s focus: helping American workers create financial wealth through a low-cost, employer-sponsored investment vehicle. Today, we’re excited to announce the general availability
Company News Your Target Date Fund Is Not Great In a previous post, I mentioned that Guideline doesn’t use Target Date Funds in its portfolios. Here’s why. At Guideline, we’re on a quest. Our mission: to battle the overall
Company News How I’m Fixing Your 401(k) Last month I watched John Oliver berate the 401(k) industry. It was so good! If you haven’t seen it, you should. He spent the majority of the segment exposing the ridiculous
