Expert Articles


Mar
2017

DOL’s New Rule Should Be A Win For Consumers

It seems everyone has an opinion about what effect, if any, the DOL’s Conflict of Interest Rule will have on consumers. Opponents of the rule insist it will raise costs and reduce access to adequate retirement advice, while proponents argue the increased transparency will be a win for the investor. So, who is correct?

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Feb
2017

For Plan Sponsors, Help Determining Reasonable Fees is on the Way

As a 401(k) plan sponsor, you may have heard the terms “reasonable fees” or “reasonable compensation” in your conversations with your plan service providers. Perhaps those service providers have even provided some benchmarking reports to show that their fees are reasonable. But whose job is it to determine if fees and/or compensation related to an employer-sponsored retirement plan are, in fact, reasonable?

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Oct
2016

What’s the Difference Between ‘Accredited Investors’ and ‘Qualified Purchasers’?

There’s no one-size-fits-all template for investments when it comes to creation, monitoring, and disclosures to participants. In the U.S., many of these functions are stipulated by each state, various Congressional Laws, and the SEC. As with most governmental efforts, involvement of various agencies creates some interesting outcomes and confusing terms.

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Jul
2016

Why Retirement Readiness Matters

Two of the largest expenses employers face today are payroll costs and healthcare costs. They determine how you will hire, whom you will hire, and how much the company needs to produce just to keep up with these costs. So, if your employees are not on a sound retirement track, they will work longer and both of these costs will rise. Want to know the solution?

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Jun
2016

4 Ways to Help Your Children Build Credit

Raising children is full of challenges — finding the right schools, supporting sports and activities, learning to drive, summer jobs, and saving for college are just some of the concerns that many parents keep near the top of their to-do lists. Sometimes that means things like building good credit get lost in the shuffle. Here are 4 tips for helping your children build a sound credit history with the understanding of how to manage debt wisely.

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May
2016

Integrating Newlyweds' Finances into the Family Financial Plan

Handing your child off in marriage is a momentous occasion filled with emotion. But it is also the beginning of a new legal contract for your son or daughter with another person. Having your wealth advisor explain all the potential property issues and nuances of future tax and estate planning needs may very well be the best wedding gift you can provide.

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Apr
2016

5 Ways for Planning Long-Term Care Expenses

We are living longer. That means most of us will likely need some long-term care during these added years. In considering later life’s possible care costs, it is prudent to ask whether a long-term care insurance policy could help. Unfortunately, the answer is not a simple yes or no.

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Nov
2015

5 Tips for Keeping Property Taxes Down

Property taxes in many areas of the country are a significant expense. Real estate owners or investors need to understand the system in the area where their property is located so they can do what is necessary to keep this expense low.

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