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401k roll-in blog posts
Why helping employees review 401(k)s isn't a mission impossible
Mission: Improbable. Imagine for a moment that your active participants are Tom Cruise from Mission: Impossible
Consolidation: Make the Smart Decision the Easiest Decision
"Make the smart decision the easiest decision" seems like an obvious goal for plan sponsors when designing participant-directed retirement plans, and it's certainly driven the rapid adoption of the autos auto enrollment, auto deferral escalation, and auto investment options, such as target-date funds and managed accounts.
Making Your Day, Re-Visited: When Retirement Savers' Luck Runs Out
In his most recent article in MarketWatch, RCH's Spencer Williams reprises last year's 7/10/15 article where he channeled Clint Eastwood's iconic movie hero "Dirty Harry" Callahan.
A Plan Sponsor's Guide to Supporting Roll-ins
Plan sponsors are becoming more-and-more familiar with the concept of rollover contributions, otherwise known as roll-ins. Yet, few plan sponsors truly understand what it takes to implement an effective roll-in program that properly informs, encourages and supports plan participants in undertaking roll-in transactions. This video provides plan sponsors with a basic understanding of the elements required to properly establish and support a roll-in program.
The ABCs of Roll-ins
This video presentation is designed to give the viewer a basic understanding of the concepts of qualified plan roll-in contributions.
Advice college graduates won't hear at commencement: "Strive for 25"
As they set out into the working world, RCH President & CEO Spencer Williams counsels the Class of 2016 on the importance of developing good saving habits from the very beginning. Using the phrase "Strive for 25" Williams notes that the $25,000 retirement savings threshold is a critical milestone that all graduates should target.
What the DOL's Fiduciary Rule doesn't say
The Department of Labor's much-anticipated Fiduciary Rule is ushering in many changes across the retirement services landscape, and the new rules governing the "what, how and why" for advice at the time of a participant's job change will undoubtedly transform the rollover-to-IRA market. However, a closer reading of the Fiduciary Rule sends a clear, if unstated, signal to plan sponsors, financial advisors and record-keepers' absent a compelling reason to roll over to an IRA, keep participants invested in a qualified defined contribution plan throughout their working lives.
Say What? The Arcane Lingo of Retirement Savings Portability
In virtually any area of specialty, a unique jargon evolves that is highly-specific to that field. To insiders using the lingo every day, it seems familiar and perfectly normal. To outside observers, it can feel like a foreign language -- with words, terms and acronyms that make no sense.
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