Guideline 401(k) Blog

We're reimagining retirement plans to make them more affordable, accessible, and effective. Learn about our journey, and find the guidance you need to offer your team the 401(k) they deserve.

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Company News

Jack Bogle and the Disruptive Vanguard Experiment

John C. Bogle, the founder of the Vanguard Group, passed away this week. In the fall of 2016, Guideline’s CEO, Kevin Busque, and I had the honor to meet Jack at his

Jeff Rosenberger, PhD Jeff Rosenberger, PhD
Accountants & Bookkeepers

401(k) FAQs for Accountants and Advisors

Do your clients have questions about offering a 401(k) plan? We’ve got most of the answers accountants and advisors need right here! This article is the third in a three-part series

Nicolle Willson, J.D., CFP®, C(k)P® Nicolle Willson, J.D., CFP®, C(k)P®
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. So what is it? Profit sharing in a 401(k) plan

Nicolle Willson, J.D., CFP®, C(k)P® Nicolle Willson, J.D., CFP®, C(k)P®
401(k) Basics

Safe Harbor 401(k): The 2019 Guide for Business Owners

What is a Safe Harbor 401(k) plan? What do you have to do to offer one? And whay do all those acronyms mean? Don't worry. We’ve helped many companies set up

Nicolle Willson, J.D., CFP®, C(k)P® Nicolle Willson, J.D., CFP®, C(k)P®
Future Focus

Will CalSavers Help California Retirees Strike Gold?

Over 7.5 million of California’s workers lack access to a workplace retirement plan, but that’s about to change. By 2022, a new law will require employers in California with five

Jeff Rosenberger, PhD Jeff Rosenberger, PhD
Company News

Celebrating Responsible Growth

It’s hard to believe it’s been about three years since my co-founders and I started Guideline and began our mission to create a retirement Americans can look forward to. It certainly

Kevin Busque Kevin Busque
Accountants & Bookkeepers

Why Tax Pros Should Be Up To Speed on 401(k) Plans

Every business owner has to make decisions that are outside his or her expertise. When it comes to small business 401(k) plans, our internal research has shown that an accountant or bookkeeper

Nicolle Willson, J.D., CFP®, C(k)P® Nicolle Willson, J.D., CFP®, C(k)P®
Accountants & Bookkeepers

How to Help Your Clients Choose the Right 401(k) Plan

Okay, so maybe your client has asked you if they should offer a 401(k). Or maybe you’ve suggested that they offer one. Either way, do you really know how to help

Nicolle Willson, J.D., CFP®, C(k)P® Nicolle Willson, J.D., CFP®, C(k)P®
Future Focus

Millennial Money: Beyond Avocado Toast

Anyone with access to the Internet knows that over the last couple of years, interest in millennial behavior patterns has skyrocketed. Between being scolded for loving avocado toast and being blamed for the

Qian Liu, PhD Qian Liu, PhD
401(k) Basics

Taking Care of Business: ERISA Fiduciary Duties of a 401(k) Plan Sponsor

When you set up an employer-sponsored 401(k) plan for your team, you to need figure out who is going to handle the fiduciary duties, and you're probably going to come across the

Nicolle Willson, J.D., CFP®, C(k)P® Nicolle Willson, J.D., CFP®, C(k)P®
Future Focus

State-Run Retirement Plans Take Flight: An Early Look Inside OregonSaves

For many businesses, offering employees a retirement plan may not feel like an easy or affordable proposition. That’s a real problem because employees who are offered a plan are much more likely

Jeff Rosenberger, PhD Jeff Rosenberger, PhD
Future Focus

Low Cost Index Funds: How Low Should Fees Go?

Fidelity just announced broad cuts in the expense ratios for its existing lineup of index funds, including the first zero-fee index funds in the market. According to Kathleen Murphy, Fidelity’s President of

Jeff Rosenberger, PhD Jeff Rosenberger, PhD
401(k) Basics

401(k) Nondiscrimination Tests: How to Stay Compliant

Does your company’s 401(k) plan benefit all your employees, or does it favor owners and executives who make more money? That’s what the two major 401(k) nondiscrimination tests try

Nicolle Willson, J.D., CFP®, C(k)P® Nicolle Willson, J.D., CFP®, C(k)P®
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 thinking about giving your employees a benefit they crave. Recent research shows that

Nicolle Willson, J.D., CFP®, C(k)P® Nicolle Willson, J.D., CFP®, C(k)P®
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

Nicolle Willson, J.D., CFP®, C(k)P® Nicolle Willson, J.D., CFP®, C(k)P®
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.

Jeff Rosenberger, PhD Jeff Rosenberger, PhD
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

Nicolle Willson, J.D., CFP®, C(k)P® Nicolle Willson, J.D., CFP®, C(k)P®
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

Jeff Rosenberger, PhD Jeff Rosenberger, PhD
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

Jeff Rosenberger, PhD Jeff Rosenberger, PhD
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

Jeff Rosenberger, PhD Jeff Rosenberger, PhD
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

Kevin Busque Kevin Busque
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.

Jeff Rosenberger, PhD Jeff Rosenberger, PhD
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

Kevin Busque Kevin Busque
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

Nicolle Willson, J.D., CFP®, C(k)P® Nicolle Willson, J.D., CFP®, C(k)P®
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.

Jeff Rosenberger, PhD Jeff Rosenberger, PhD
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