Advisors

Advisor Connect

We’re pleased to share our Advisor Connect library of short, video topics which present practical business-building ideas you can put to use today. We invite you to explore and watch. If you’re not already on our subscriber list and receiving these informative videos in your inbox each month, please click on any of the videos and subscribe.


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Why Permitted Disparity Matters

Why Permitted Disparity Matters

  • 7/31/2019 1:15:00 PM
  • View Count 54
When it comes to retirement plans, there are many ways to distribute a company’s profit sharing contribution. It may be as straightforward as a proportional, or “pro rata,” share to each eligible participant or it can be based on a formula that considers age or other factors.
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Payroll, It's More Than a Detail

Payroll, It's More Than a Detail

  • 5/28/2019 10:53:00 AM
  • View Count 130
Download The Companion DocumentEvery retirement plan design begins with a study of a company’s payroll. It’s the essential information that drives thinking around how to optimize tax and savings potential for both business owners and their employees.Once a plan is installed, we rely on payroll data to determine eligibility, vesting, and of course, contributions. Accurate and complete data is something we assume of course, but in the real world, information is not always timely or com...
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Consider Behavioral Bias in Retirement Plan Design & Communications

Consider Behavioral Bias in Retirement Plan Design & Communications

  • 3/22/2019 11:13:00 AM
  • View Count 273
As an investment professional, you may already know a great deal about how behavioral bias affects how investors make decisions and how they perceive their account performance. We know, of course, that behavioral finance tells us that many people are influenced by their emotions, their aversion to risk, their own social peer group, and sometimes by a skewed perception of control or investment skill.
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Help Clients Find the 401(k) That’s Right for Them

Help Clients Find the 401(k) That’s Right for Them

  • 1/31/2019 1:19:00 PM
  • View Count 412
Download The Companion DocumentYou know the expression - it’s not a one-size-fits-all-world. We’re different. From the foods we eat, to the cars we drive, to the places we go on vacation. And it’s also true when it comes to 401k plans. Ask two company owners what their’s looks like and you might get two different answers. It happens for a good reason - they may understand it differently and in fact, they may have very different plans. It’s no wonder really since the...
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Helping Participants Understand RMDs

Helping Participants Understand RMDs

  • 12/28/2018 8:19:00 AM
  • View Count 379
In the retirement plan business, we naturally focus on helping clients accumulate wealth. But at some point we turn our attention from accumulation to decumulation. After all, everyone will reach the age at which they no longer contribute to their accounts and begin to withdraw money from them to sustain their lifestyles beyond their working years.
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Compliance Essentials

Compliance Essentials

  • 11/20/2018 7:08:00 AM
  • View Count 562
At a glance, compliance tests assure that every retirement plan is producing a meaningful benefit to rank and file employees and that it demonstrates a level of fairness in the benefits those same employees get as compared to the benefits achieved by owners and other highly compensated employees.
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Use Benchmarking to Your Advantage

Use Benchmarking to Your Advantage

  • 10/30/2018 12:04:00 PM
  • View Count 486
In some ways you can divide clients into two groups - those who are primarily motivated by lowest cost and those who seek value. That doesn’t necessarily align nicely with retirement plan benchmarking since it’s much easier to compare and report things that are more easily quantified than things like expertise and quality and the care of consulting that we deliver together.
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Mergers and Acquisitions

Mergers and Acquisitions

  • 9/21/2018 5:36:00 AM
  • View Count 438
Download The Companion DocumentEveryday companies large and small make decisions to combine forces. In fact, in 2017, more than 15,000 companies announced a merger or an acquisition. And it probably won’t surprise you, but M&A activity spans all major industry sectors and nearly all geographies. For some, it’s a strategy for growth. For others, it’s a defensive move to survive as markets and business requirements change. Whatever the motivation, there are almost always impacts on retirement b...
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Four Things to Know About ERISA Fidelity Bonds and Fiduciary Liability Insurance

Four Things to Know About ERISA Fidelity Bonds and Fiduciary Liability Insurance

  • 8/3/2018 5:35:00 AM
  • View Count 671
Download The Companion DocumentThe Employee Retirement Income Security Act known as "ERISA" regulates 401k and most other types of employee benefit plans. Under ERISA, anyone who handles plan funds must be covered by a fidelity bond. The bond protects the PLAN from losses that may result from fraudulent or dishonest acts.Here are some important things to know about Fidelity Bonds.An ERISA Fidelity Bond is not the same thing as Fiduciary Liability Insurance. The fidelity bond insures the retireme...
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Aligning Plan Design with Client Goals

Aligning Plan Design with Client Goals

  • 7/9/2018 6:54:00 AM
  • View Count 691
Most of us live in homes that were not custom-designed for us. We adapt to them rather than expect them to be optimized to how we like to live. Most retirement plans are sold the same way.
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