Investment Consulting

After the SECURE 2.0 Act was signed into law at the end of 2022, we highlighted some of the implications for business owners and savers.  One such highlight that we want to focus further on is the tax credits offered… Read More >

The SECURE 2.0 Act was signed into law on December 29, 2022, and the implications for both business owners and savers are prevalent.  Some of the important highlights include potential savings for employers, the increased emphasis on Roth options, and… Read More >

Some 401k Plan Sponsors have taken the approach of providing a broad range of investment options hoping that providing a few, low-cost index funds would fulfill their fiduciary duty to monitor fees and expenses of their plan. The logic here… Read More >

Many people save for retirement in a defined-contribution retirement plan (like a 401k) or an individual retirement account (traditional or Roth IRA). It is important to designate beneficiaries for accounts. The forms, often seemingly simple to fill out, have hidden… Read More >

In our recent investment commentary, we highlighted research regarding plan design and plan participants.  The research clearly highlights the effects that plan design can have on plan participants and retirement outcomes.  While the study largely confirms that automatic enrollment has… Read More >

The SECURE Act of 2019 (Setting Every Community Up for Retirement Enhancement) is a wide-ranging act, spanning nearly 40 provisions It is the most comprehensive retirement savings package to become law since the Pension Protection Act of 2006, and seeks… Read More >

As businesses reopen and employees return to work, employers are wrestling with how to handle cash flow in unprecedented circumstances.  If you are considering suspending the employer match in your company’s retirement plan, you are not alone.  Can you suspend… Read More >

I.  Overview A written investment policy statement (IPS) provides guidelines and directions for the conscientious fiduciary. The Employee Retirement Income Security Act (ERISA) does not include a specific requirement that plans have a written IPS. The concept of a documented… Read More >

In order to make sound investment decisions today, we are forced to make long term projections of portfolio returns. The methodology, assumptions, and original inputs for our approach to predicting long term portfolio returns are originally documented in our white… Read More >

Overview The Employee Retirement Income Security Act of 1974 (ERISA) sets out comprehensive standards of conduct for those who manage an employee benefit plan and its assets. In addition to a specific person being named in the plan document, a… Read More >

In order to make sound investment decisions today, we are forced on making long term projections of portfolio returns. The methodology, assumptions, and original inputs for our approach to predicting long term portfolio returns are originally documented in our white… Read More >

The Wall Street Journal ran a periodic column a few years ago that compared the performance of some of the best stock pickers to that of monkeys throwing darts at a page of stock listings. After some time, the “monkeys”… Read More >

In an effort to manage risk and reduce volatility, investors often seek to diversify the holdings in their portfolio. Diversification is sometimes described as the only “free lunch” when it comes to investing. The idea behind diversification is that an… Read More >