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How 401(k) Withdrawals Can Complicate Health Plan Subsidies

How 401(k) Withdrawals Can Complicate Health Plan Subsidies | KerberRose Wealth Management, LLC | Scoop.it

When someone taps into pretax retirement savings, the IRS considers it income. An unexpected withdrawal can change a person's subsidy for health premiums.

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Retirement Planning in Your 30s: Save More, Plan Better

Retirement Planning in Your 30s: Save More, Plan Better | KerberRose Wealth Management, LLC | Scoop.it

Many thirtysomethings are now married, starting families and/or becoming financially established. But are they saving and planning for retirement?

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What's a 403b Plan? - Motley Fool

What's a 403b Plan? - Motley Fool | KerberRose Wealth Management, LLC | Scoop.it
If one of your workplace’s benefits is a 403b plan, contributing to it is probably a good idea.
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New research shows 401(k) plans produce same level of asset accumulation as pensions ...

New research shows 401(k) plans produce same level of asset accumulation as pensions ... | KerberRose Wealth Management, LLC | Scoop.it
Alicia Munnell, a longtime critic of 401(k) plans, says she will no longer deride defined contribution plans for producing less savings than a traditional pension.
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Considerations for Retirement Plan Sponsors after Tibble Ruling - PLANSPONSOR

The U.S. Supreme Court has taken a modest step to ensure the fiduciary “duty to monitor” retirement plan investments is defined as a distinct duty from the initial requirement to prudently select investments under ERISA.
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Why a 401(k) Match Matters More Than You Think - Motley Fool

Why a 401(k) Match Matters More Than You Think - Motley Fool | KerberRose Wealth Management, LLC | Scoop.it
This key aspect of 401(k) plans can make a huge difference in your overall retirement nest egg. - Dan Caplinger - Investment planning
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Top 10 fiduciary errors and how to avoid them - BenefitsPro

Top 10 fiduciary errors and how to avoid them - BenefitsPro | KerberRose Wealth Management, LLC | Scoop.it

When fiduciaries make mistakes, they can be costly not just to the organization, but for the fiduciary personally.

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PLANSPONSOR - What Retirement Plan Committees Should Know and Discuss

PLANSPONSOR - What Retirement Plan Committees Should Know and Discuss | KerberRose Wealth Management, LLC | Scoop.it
What your #retirement plan committee should be discussing. Idea sharing, case studies & fees top list. http://t.co/sQyZ5WPbwy #401k #403b
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Supreme Court rules against Edison in 401(k) fiduciary breach case - Pensions & Investments

Supreme Court rules against Edison in 401(k) fiduciary breach case - Pensions & Investments | KerberRose Wealth Management, LLC | Scoop.it
The U.S. Supreme Court on Monday broadened the responsibility of defined contribution plans, saying they have a “continuing duty to monitor trust investments and remove imprudent ones” even though federal law sets a six-year time limit for lawsuits...
Tony Powers's insight:

Do you have a process to monitor the investments in your retirement plan?

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6 Habits of Successful 401(k) Savers - U.S. News & World Report (blog)

6 Habits of Successful 401(k) Savers - U.S. News & World Report (blog) | KerberRose Wealth Management, LLC | Scoop.it
Take an active role in managing your retirement plan with these tips.
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The Common Retirement Assumption That's Flat Wrong - Forbes

The Common Retirement Assumption That's Flat Wrong - Forbes | KerberRose Wealth Management, LLC | Scoop.it
Can retiring later save your retirement?
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Fiduciary foes are spitting into the wind

Fiduciary foes are spitting into the wind | KerberRose Wealth Management, LLC | Scoop.it
New regulations aside, megatrends will demand that advisers align themselves with clients.

Via Chuck Hammond, PPC, CMFC
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Health savings accounts keep nest eggs in shape

Health savings accounts keep nest eggs in shape | KerberRose Wealth Management, LLC | Scoop.it

Health savings accounts can be a smart choice for stealth retirement savings. Advisors discuss how to decide if they’re a smart fit for a portfolio.

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5 Savvy Retirement Quotes - Motley Fool

5 Savvy Retirement Quotes - Motley Fool | KerberRose Wealth Management, LLC | Scoop.it
These quotes can not only amuse but also impart useful advice that can make your retirement more pleasant.
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Only five states require high school students to take a class about money

Only five states require high school students to take a class about money | KerberRose Wealth Management, LLC | Scoop.it
Most American teens are not learning in high school about the basics of paying bills, building good credit and avoiding debt, even as they’re increasingly relying on student loans to finance their education.

Via Chuck Hammond, PPC, CMFC
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Bill would raise retirement age for state employees.

Bill would raise retirement age for state employees. | KerberRose Wealth Management, LLC | Scoop.it
A state lawmaker said the minimum retirement age for state employees should be raised.
Tony Powers's insight:

For our public sector clients that have called with concern, here is the information on the proposed bill and how it may affect the state pension.

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Intuitive Design Boosts 401(k) Plan Wellness - PLANSPONSOR

Intuitive Design Boosts 401(k) Plan Wellness - PLANSPONSOR | KerberRose Wealth Management, LLC | Scoop.it
As employers look for ways to increase their employees’ engagement in a
workplace retirement plan, they turn to auto features and simpler design.
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Workers Rely on 401(k) Providers for Retirement Advice: Cerulli

Workers Rely on 401(k) Providers for Retirement Advice: Cerulli | KerberRose Wealth Management, LLC | Scoop.it
As retirement plan participants age, they rely less on family and friends for advice and more on financial advisors and planners.
Tony Powers's insight:

Does your retirement plan advisor provide employee education and/or advice?

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3 Key Retirement Income Stats: How Do You Measure Up?

3 Key Retirement Income Stats: How Do You Measure Up? | KerberRose Wealth Management, LLC | Scoop.it

Whether retirement is 40 years away or just around the corner, it helps to know where you stand in these important financial categories."

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Who is an ERISA fiduciary? - Employee Benefit News

Who is an ERISA fiduciary? - Employee Benefit News | KerberRose Wealth Management, LLC | Scoop.it

Even when plan fiduciaries hire outside service providers to manage the 401(k) plan, they still maintain fiduciary responsibility..."

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Financial Education Over Time Improves Savings Behaviors

Financial Education Over Time Improves Savings Behaviors | KerberRose Wealth Management, LLC | Scoop.it

Via Chuck Hammond, PPC, CMFC
Tony Powers's insight:

Have you looked into an Employee Education Plan for your company's retirement plan?

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PLANSPONSOR - All Age Groups May Have Misguided Retirement Ideas

PLANSPONSOR - All Age Groups May Have Misguided Retirement Ideas | KerberRose Wealth Management, LLC | Scoop.it
PLANSPONSOR - All Age Groups May Have Misguided #Retirement Ideas http://t.co/9thuJQMzQA #fiduciary #401k #IRA
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401(k) Investors: Avoid These 20 Mistakes - Morningstar.com

401(k) Investors: Avoid These 20 Mistakes - Morningstar.com | KerberRose Wealth Management, LLC | Scoop.it

401(k) Investors: Avoid These 20 Mistakes - Morningstar.com

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PLANSPONSOR - Changes Plan Sponsors Would See with New Fiduciary Rule

PLANSPONSOR - Changes Plan Sponsors Would See with New Fiduciary Rule | KerberRose Wealth Management, LLC | Scoop.it
Changes Plan Sponsors Would See with New Fiduciary Rule http://t.co/GzwfVVZ0xs
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