Moran Knobel

10/06/2014

http://www.planadviser.com/Employee_Value_and_Employer_Offering_Are_Linked.aspx

When asked the primary reason why they save, younger and lower-income households typically said they save to fund education, purchase a house, fund other purchases, or have emergency cash on hand, and are less likely to cite retirement as the primary reason. In contrast, older and higher-earning hou…

10/06/2014

http://www.planadviser.com/Five_Things__Retirement_Plan_Participants_Get_Wrong.aspx

Take target-date funds (TDFs). This common investment is misunderstood in various ways by plan participants. About a third said they believe their account balance in a TDF will never go down. In the same survey, 37% said they believe a TDF guarantees income in retirement, and research by AllianceBer…

10/01/2014

http://www.jdsupra.com/legalnews/toxic-tpas-a-401k-plan-sponsor-shoul-75789/

While most of the news about 401(k) plan fiduciaries and their responsibilities is about plan expenses, plan investments, and participant education, there is very little topic about the...

10/01/2014

http://www.jdsupra.com/legalnews/retirement-plan-professionals-that-plan-33736/

In the Nelson Algren novel, A Walk on The Wild Side, there are 3 important rules of life to follow: “Never play cards with a man called Doc. Never eat at a place called Mom’s. Never...

10/01/2014

http://www.jdsupra.com/legalnews/issues-with-hiring-a-mutual-fund-company-75527/

In England, British breweries own many of the top beer pubs because watering holes are an effective means of beer distribution. If a business can control the method of distribution of...

03/05/2014

With proper planning and attention to detail, you should be able to sidestep these retirement taxes and fees.

03/03/2014

As employers seek to shift costs, benefits are becoming more critical to employees' financial security.

02/27/2014

In a new study called “Breaking the 4% Rule,” researchers from J.P. Morgan argue that retirees—and the service providers supporting them—should take a more dynamic approach to managing retirement account withdrawals. The study finds that more rigid, percentage-based withdrawal rules can expose retir...

02/24/2014

Although 401(k) loan-takers are expected to pay the loan back with interest, chances are good those assets would have earned a higher return by being invested in the financial markets.

02/24/2014

Section 404(c) has been in the Employee Retirement Income Security Act of 1974 for 40 years. This amazing participant directed account gift to plan sponsors has been around for four decades and many still don’t understand it.

01/27/2014

A prospective client has a 401(k) plan. The investment of the plan's assets is directed by the participants with the exception of the employer profit sharing contribution. That is invested at the discretion of the employer. What is the employer's

09/25/2013

Small businesses employ nearly one-third of U.S. workers and are a major part of our nation’s economic engine. But an issue that continues to be discussed in Congress and state governments is how do we help more small businesses offer a retirement plan? Ninety-nine percent of businesses with over 5...