The Decision to Unretire
Americans have always unretired. In fact, after dipping to 2% during the COVID crisis, the percentage of retirees re-entering the workforce has returned to its pre-pandemic level.
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401(k) Contributions in Pennies, Not Percentages
The retirement savings gap between lower income and higher income earners is well known. Providing retirement and investment education to employees has shown to raise contribution levels among lower paid workers, but it’s not enough.
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ESG Investing in ERISA Retirement Plans
While Environmental, Social and Governance (ESG) criteria investments that don’t sacrifice returns or hold greater investment risk are permitted in ERISA plans, a 2020 U.S. Department of Labor (DOL) rules modification established a higher bar for including ESG investments in a qualified plan and cast a cloud over ESG investment options.
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Deciding Where to Enjoy Retirement in the U.S.
Lists of the “best places to retire” are ubiquitous. These lists make for great clickbait, but what tends to be overlooked is that “best” is a relative term. “Best” really depends upon what an individual prioritizes for his or her retirement. Recognizing that needs and desires will define where the “best place to retire” is, we’ve come up with some ideas based on two different priorities.
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PEP Up Your Retirement Business
Financial advisors now have a new arrow in their quiver for their small employer retirement plan business—the pooled employer plan (PEP). PEPs are designed to help small businesses offer retirement plans at a significantly lower administrative and expense burden.
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