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
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
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 right here! This article is the third in a three-part series that’s designed to
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
401(k) Basics Taking Care of Business: 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. A fiduciary duty is the legal obligation to
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
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
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
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 every employer in California with
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
401(k) Basics Safe Harbor 401(k): The 2018 Guide for Business Owners What’s a Safe Harbor 401(k) plan? 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)
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 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
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
