Retirement Readiness Archives - Page 3 of 12 - 401k Plan Optimization, Compliance, Investment & Partners

Six Red Flags That Signal Your 401(k) Advisor Isn’t Worth the Cost

By Fred Barstein / 401k Advisor, 401k News, 401k plan, Benchmarking Fees, Client connection, DC Plan Sponsors, Fiduciary, Financial Advisors, Financial Security, Financial Wellness, Retirement Plan Advisor, Retirement planning, Retirement Readiness, Target Date Fund

After 25 years of benchmarking retirement plans across Oklahoma, Terry Morgan, AIF, CPFA of OK 401k has seen some patterns that have become impossible to...

The Hidden Risks of a “One Size Fits All” Retirement Plan Approach

By Fred Barstein / 401(k) Plan Management, auto enroll, auto escalate, Auto Portability, Client connection, Communication, DC Plan Sponsors, Fiduciary, Financial Advisors, Financial Wellness, Ideal Plan, one-size-fits-all, Retirement Plan Advisor, Retirement Readiness

A “one size fits all” approach to retirement plans can be surprisingly detrimental because it overlooks the diverse financial situations, goals, and risk tolerances of...

Plan Sponsors Face Wave of New SECURE 2.0 Requirements in 2025-26

By Fred Barstein / Compliance, DOL, erisa, Fiduciary, Financial Wellness, Plan Participation, Regs and Regulators, Retirement Readiness, SECURE 2.0, SECURE Act, Secure Act Changes

Plan sponsors are feeling the weight of SECURE 2.0’s ongoing rollout, and 2025 and 2026 bring no relief from the compliance pressures that have been...

The One Trait That Sets Great Retirement Plan Advisors Apart

By Fred Barstein / Adaptability, Change, Changing dynamics, Client connection, Communication, Confidence, Convergence, courage, Financial Advisors, Financial Wellness, mindfulness, Retirement Plan Advisor, Retirement Readiness

Slow Motion Macro Of The Word Leader Of The Wooden Letter Blocks Concept Of Financial Sbi 350474387

Despite the massive success of the U.S. defined contribution (DC) retirement system—with over $12 trillion in assets—many plans are managed by undertrained HR and finance...

ERISA Advisory Council: 3 Ways to Transform Plan Defaults

By Fred Barstein / DC Plan Sponsors, DOL, DOL Guidance, erisa, ERISA Advisory Council, Financial Wellness, IRA Roll overs and Roll ins, Retirement Income, Retirement Readiness, Retirement Savings Concern

The ERISA Advisory Council (EAC) has delivered a roadmap for enhancing qualified default investment alternatives (QDIAs) that could reshape how retirement plan sponsors approach retirement...

The 10 Biggest Lies Told to 401(k) Plan Sponsors

By Fred Barstein / 401kCafé, benefit education, Change, Communication, DC Plan Sponsors, DC plans, fee transparency, Financial Advisors, Financial Wellness, HR, product quality, Record Keepers, Retirement Happiness, Retirement Plan Advisor, Retirement Plan Advisor Due Diligence, Retirement Plan Fees, Retirement plan management, Retirement Readiness

At the May 401(k) Café webinar for plan sponsors, Fred Barstein, revealed the 10 biggest lies told to 401(k) and 403(b) plan sponsors. Despite ERISA’s...

401(k) Managed Accounts Can Help Improve Gen X Retirement Readiness

By Fred Barstein / 401(k) Managed Accounts, 401k Monitoring, 401k News, boosting 401(k) contributions, Communication, Consolidation, Convergence, DC Plan Sponsors, Employee happiness, Fiduciary, Financial Wellness, Gen X, healthcare, investment, Managed Accounts, Retirement Income, Retirement Readiness

Gen X workers (ages 44-59) face unique hurdles on their path to retirement. As the “Sandwich Generation,” they’re often simultaneously caring for both children and...