Future Focus

Chris Lu, Former Deputy Secretary of Labor, on Expanding Access to Retirement

Chris Lu served in senior positions in the Obama Administration, including: Executive Director of the Obama presidential transition; White House Cabinet Secretary; and Deputy Secretary of Labor. He is now one of Guideline’

Jeff Rosenberger, PhD Jeff Rosenberger, PhD
Future Focus

What is Environmental, Social, Governance (ESG) Investing?

Americans have never been more eager to invest in companies that align with their values. So why don’t their retirement plans reflect that?

Jeff Rosenberger, PhD Jeff Rosenberger, PhD

Is Guideline’s Prime Plan Right For You?

Guideline offers two great plans for managing your 401(k)—Startup and Prime. The good news is that with both plans you get Guideline’s full-service 401(k), which includes: No startup costs

Jeff Rosenberger, PhD Jeff Rosenberger, PhD
Future Focus

Interview with Executive Director of CalSavers, Katie Selenski, on New Retirement Requirements

We sit down with Katie Selenski, Executive Director of CalSavers, to talk about what the new retirement requirements mean for small businesses.

Jeff Rosenberger, PhD Jeff Rosenberger, PhD

The Labor Department’s Public 401(k) Rule Change: What You Need To Know

There’s no denying that small businesses have historically been at a disadvantage when it comes to offering their employees a retirement plan. This is due in large part to legacy 401(k)

Jeff Rosenberger, PhD Jeff Rosenberger, PhD

A Top Retirement Expert Weighs in about How to Strengthen the U.S. Retirement System

Alicia H. Munnell is the Peter F. Drucker Professor of Management Sciences at Boston College’s Carroll School of Management. She also serves as the director of the Center for Retirement Research at

Jeff Rosenberger, PhD Jeff Rosenberger, PhD

Joe Torsella On Why Pennsylvania Needs To Adopt Auto-IRAs

Joseph Torsella, Treasurer of Pennsylvania, has emerged as a powerful advocate for automatic IRAs, which would require companies that do not offer retirement savings plans to enroll their employees in a low-cost program

Jeff Rosenberger, PhD Jeff Rosenberger, PhD

Why This Retirement Expert Never Talks About A ‘Retirement Crisis’

John Scott is director of the Retirement Savings Project at the Pew Charitable Trusts. He leads a team producing trusted data and clear analysis of the barriers to retirement savings in America and

Jeff Rosenberger, PhD Jeff Rosenberger, PhD

The Woman Behind The Way You Save For Retirement

Brigitte Madrian is the Dean and Marriott Distinguished Professor at the Brigham Young University Marriott School of Business. One of the foremost researchers into retirement policy, she has a particular focus on household

Jeff Rosenberger, PhD Jeff Rosenberger, PhD

The Single Most Important Move Congress Could Make To Support Retirement For Americans

While there are many thorny questions facing the divided legislature in Washington, D.C., there is one issue that enjoys broad bipartisan support: saving for retirement. Promising bills, sponsored by members of both

Jeff Rosenberger, PhD Jeff Rosenberger, PhD

Charley Ellis: Here’s What Millennials Need To Know About Retirement

Known as the dean of American investment advisors and one of the founders of the index investment revolution, Charley Ellis served on the board of the Vanguard Group and the Yale Endowment, and

Jeff Rosenberger, PhD Jeff Rosenberger, PhD
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
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
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
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
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
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
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
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

Jeff Rosenberger, PhD Jeff Rosenberger, PhD
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

Jeff Rosenberger, PhD Jeff Rosenberger, PhD
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

Jeff Rosenberger, PhD Jeff Rosenberger, PhD
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,

Jeff Rosenberger, PhD Jeff Rosenberger, PhD
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