401(k) Basics Traditional vs Roth 401(k): Which one is right for you? Of the employer-sponsored plans available today, Roth and traditional 401(k) plans are the two clear favorites. Here’s a breakdown of the nuances and tax considerations associated with each.
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.
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)
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
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
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
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
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
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
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
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
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
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.
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
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.
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 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,