Managed portability blog posts


Feb
29
2016

Tales from the Roll-In Front Lines, Part II

In a previous post, Tales from the Roll-In Front Lines, Part I, we described a roll-in transaction gone awry: a comedy of errors that occurs all too often when service providers are unfamiliar with consolidating retirement savings from one plan into another.

Feb
01
2016

Cutting the Gordian Knot: Portability & Small Accounts

Have you ever wondered why so few participants move their old 401(k)s into their current employers' plans? Or why so many participants prematurely cash out their retirement savings accounts, regardless of taxes and penalties? Or why job-changing participants leave their savings behind only to lose track of them as if their assets for retirement belong on some remote desert island away from all their other savings?

Jan
26
2016

Tales from the Roll-In Front Lines, Part I

In previous articles, we have discussed the many benefits that occur when participants roll in multiple retirement savings accounts into their current employer's 401(k) account. Participants benefit from reduced cash outs, lower investment fees and simplified retirement planning. A program of facilitated roll-ins delivers positive results for plans as well, including increased average balances, lower record keeping costs and improved retirement readiness metrics.

Jan
20
2016

Four New Year's Resolutions for Retirement Savers Summary

In his 1/20/16 MarketWatch column (Four New Year's Resolutions for Retirement Savers), Retirement Clearinghouse CEO Spencer Williams offers four New Year's resolutions that all 2016 job-changers should take to heart, including...

Jan
04
2016

Auto Enrollment: The Unintended Consequences, Part II (Research)

In his December 1, 2015 article (The unintended consequence of 401(k) auto-enrollment), RCH CEO Spencer Williams exposes the linkage between auto enrollment and lower average account balances. Based on Form 5500 data, Williams' analysis presents some excellent examples of industries where average balances are significantly lower in plans that have adopted auto enrollment compared to plans that have not. RCH's Tom Hawkins follows up that article with his own analysis, extending Williams' earlier work.

Dec
16
2015

The checklist you need to manage multiple retirement accounts

In his December 16th, 2015 article in MarketWatch, RCH's CEO Spencer Williams offers a year-end checklist for those retirement savers who have elected to leave qualified retirement savings accounts behind with their former employers.

Nov
16
2015

Boomers: Consolidate Your Retirement Accounts Immediately!

In his 11/16/15 MarketWatch article Boomers need to consolidate retirement accounts immediately RCH President & CEO J. Spencer Williams notes that the baby boomer generation, which is closest to retirement age, stands to benefit the most from consolidating their retirement savings, vs. leaving their accounts behind at former employers.

Oct
05
2015

Let a Roll-In Increase Your Retirement Income

In his 10/2/15 MarketWatch article Let a Roll-in Increase Your Retirement Income, RCH President & CEO J. Spencer Williams advises retirement savers to bring their savings with them, vs. leaving their accounts behind -- or worse, cashing out.

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