Archive for category Pensions

Protection, Benefits & Accountability: Smart Planning for Start Ups and Small Business

Protection, Benefits & Accountability may not be at the forefront of new and small business owners’ minds, but they should be.   Often ignored and/or glossed over by startups, these components are an essential part of basic business planning and can make the difference between success growth and failure.   You know the old adage: […]

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Why Most American Workers Do NOT Participate in 401(k) s

67 percent of Americans workers aged 21-64 with access to employer-sponsored 401(k)’s do not participate in the pre-tax retirement plan.   I was absolutely floored when I read this stat published by the Employee Benefit Research Institute. There had to be a typo in there somewhere. (I double checked; there wasn’t.) Virtually then, more than […]

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Defined Benefit VS. Defined Contribution

In speaking with a client recently, I was asked to describe the difference between Defined Benefit Plans and Defined Contributions Plans. I was a bit taken a back because I assumed these were commonly understood concepts.   Investigating further, I discovered my assumption was wrong. The differences between Defined Benefit Plans and Defined Contribution Plans […]

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Proactive Retirement Planning

  I just read an article entitled, “5 Biggest Planning Retirement Mistakes”. The problem with titles like these in general is they are negative, and many times, as misleading as they are disheartening.   Proactive retirement planning on the other hand, is a different workhorse (pardon the pun) altogether. It should be ongoing and positive, […]

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Pension Plans: Who’s Funding Who?

  According to studies by the Government Accountability Office (GAO), a growing number of DFP’s (Defined Benefit Plans, better known as pension plans) are funding their obligations by purchasing Hedge Funds and Private Equity Funds. While the prevalence of this usage funding is constituted in larger pension funds, their usage is not forbidden in smaller […]

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The Top 2 Things You Can Do To Battle Market Fatigue

  You need only turn on the TV, radio, or skim a newspaper to realize we are right in the middle of some challenging economic times. The BIG question is what can we do when our individual abilities to change the quagmire we’re stuck in is minimal? Here is the shortlist.   #1 Look at […]

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Economic Rebounding: Use the Rule of 72

  The economy is slowing turning around, albeit much slower than most of us would like to see. Rebounding from devalued investment, savings and/or retirement accounts  continues to be a challenge. Learning The Rule of 72 is one of the best tools you can embrace for help in putting a rebound plan together.   Simply […]

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Retirement Confidence Survey

  Up three percentage points up from an all time low in 2009, the percentage of American workers who feel “very confident” that they will have enough money for a comfortable retirement is 16%. Not to play Devil’s Advocate, but we really need to rephrase that: 84% of the American workforce doesn’t think they’re going […]

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