Category Archives: Plan Design

26 Jun

Actuarial Services Need Not be a Black Box

A defined benefit (DB) or cash balance (CB) plan is more than just an employee benefit.  Properly structured, a DB or CB plan can be an elegant tool to help manage cash flow, maximize profitability, and super charge the retirement accounts of key employees and business owners. For many advisors and indeed even for most

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10 Nov

The Upside of Target-Date Funds

While target-date funds may not be perfect, they offer a great solution for most plan participants who, let’s face it, have little or no desire to become asset allocation experts.

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17 Nov

401(k) Investment Menu; Less is More

In the old days, some plan sponsors treated 401k investment menus like a restaurant menu. If somebody (influential) wanted a fund in the lineup it was added. The result of this in many plans were investment menus with too many funds, overlapping funds and dominated funds. Lineups like that are confusing to participants and result in poor(er) asset allocation.

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