Feature Articles: Institutional Investment Consulting

Department of Labor – Electronic Disclosure Rules

By Dan Schroeder, QKA, QPFC

July 21, 2020Institutional Investment ConsultingRetirement Plans

Department of Labor – Electronic Disclosure Rules

The final rule establishes a new, voluntary safe harbor for retirement plan administrators who want to use electronic media, as a default, to furnish covered documents to covered individuals, rather than sending potentially large volumes of...

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Defined Contribution Plan Participants’ Activities, First Quarter 2020

By Patrick McTigue,CPFA, AIF®

May 19, 2020Institutional Investment ConsultingRetirement Plans

For more details and information about these, and more, 1st quarter 2020 Defined Contribution Plan findings, please click here to see the May 2020 Investment Company Institute Research Report prepared by Sarah Holden, ICI senior director of retirement and investor research, Daniel...

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Cash Balance Pension Plan Investment Management

By Chad Rice, CFA®

April 22, 2020Institutional Investment ConsultingRetirement Plans
Cash Balance Pension Plan Investment Management Tailored Retirement Plan Management  

What is a Cash Balance Plan?

A Cash Balance plan is a unique tax-deferred (qualified) retirement plan that provides an alternative strategy to accelerate retirement savings with the added benefit of tax deductibility. Participant accounts exhibit the...

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Defined Benefit Pension Plan Obligations are Increasing!

By Chad Rice, CFA®

April 16, 2020Institutional Investment ConsultingRetirement Plans

With stocks falling and discount rates falling, pension funding rates are also falling.  In some cases, defined benefit plans are experiencing a 10-15% decline in their funding ratio year-over-year. Even though some reprieve with funding requirements is deferred for 2020, it is likely that most Plan Sponsors will face...

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ACG Recognition

By Dan Schroeder, QKA, QPFC

April 16, 2020Institutional Investment ConsultingRetirement PlansIndividual Investment Management

During an unprecedented and confusing time, we hope to provide solace in the form of reassurance. This is why we’d like to share with you our recent recognition as a way of letting you know that we are here to stay and committed to...

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Bear Market. Now What?

By Dan Schroeder, QKA, QPFC

April 09, 2020Institutional Investment ConsultingRetirement Plans

BEAR MARKETS AND PAST MARKET DECLINES

As of March 12, 2020, the S&P 500 Index entered into bear market territory, defined as a 20% decline from the index’s past high. The Dow Jones Industrial Index, another often quoted index, fell into bear market territory the day...

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The Top 5 Questions, so far

By Dan Schroeder, QKA, QPFC

April 07, 2020Institutional Investment ConsultingRetirement Plans

Slightly more than a week has passed since the passage of the CARES (Coronavirus Aid, Relief, and Economic Security) Act. It was signed on Friday, March 27th. It feels like a month.

As a result of its passage, well-meaning providers, consultants, and advisors (ACG included)...

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SECURE Act

By Dan Schroeder, QKA, QPFC

January 06, 2020Institutional Investment ConsultingRetirement Plans

In a major victory for the advocacy efforts of the American Retirement Association, the most comprehensive retirement savings policy bill since the Pension Protection Act of 2006 was signed by President Trump on December 20. Years in the making, the Setting Every...

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The More You Know: Automatic Enrollment Notices

By Dan Schroeder, QKA, QPFC

December 13, 2019Institutional Investment ConsultingRetirement Plans

Many retirement plans today provide automatic enrollment for employees, meaning the plan sponsor initiates enrollment into the retirement plan on behalf of the employee. One common question plan sponsors come across is whether their enrollment kit satisfies the annual automatic enrollment notice...

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The Benefits of Matching Retirement Contributions

By Dan Schroeder, QKA, QPFC

December 12, 2019Institutional Investment ConsultingRetirement Plans

As the unemployment rate has dropped, hiring has grown increasingly competitive - especially for businesses with highly specialized positions. It’s important to understand how retirement matches factor into the hiring process and how they can financially benefit your company. Here are a few...

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A Strong 403(b) Fiduciary Foundation Reduces Plan Sponsor Anxiety

November 18, 2019Institutional Investment ConsultingRetirement Plans

Over the past few years and accelerating over the past few weeks, there has been a significant increase in 403(b) retirement plan litigation and enhanced government scrutiny over 403(b) plans in general.

Since 2016 over 25 private universities have faced lawsuits from groups...

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Why Do Plan Sponsors Hire A Retirement Plan Consultant/Advisor to help with their employer 401(k) plans?

By Stacy Allen, AIF®, PRP

October 08, 2019Institutional Investment ConsultingRetirement PlansParticipant Financial Wellness Services

After working over 25 years in the retirement plan industry, I still often get asked, “Why would I hire a Retirement Plan Consultant/Advisor to help with our 401(k) plan when that is what our recordkeeper is for or that is my job?”

The role of the...

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