HOME   ABOUT US   FAQs   BLOG   CONTACT US  
                     
 
 
 
 ALL     COMPANY NEWS 
 
 
Fiduciary Rule Delay
 
 
The Fiduciary Rule was adopted under President Obama to protect retirement savers from unfair and biased investment advice. However, recently the Department of Labor proposed an 18-month...
 
 
 
Spending Savings Wisely
 
 
As retirees’ transition from saving to retirement spending, stress has the ability to overtake your emotions and limit the amount of money you are comfortable with spending. 401(k)...
 
 
 
Predictions within the Market Today
 
 
Dr. Steve Sjuggerud is one of the world’s most widely-followed financial analysts. He has made many economic predictions that have come true, stemming all the way back to the year...
 
 
 
Employers Role in Promoting Retirement Security
 
 
Employers play a huge role in your ability to start saving for retirement. Being age-friendly, enabling your workers to work as long as they can, adopting a flexible retirement program, and...
 
 
 
Increasing Generosity Within Retirement Savings Plans
 
 
In efforts to recruit and motivate employees within the workplace, companies are beginning to increase their employer match to their retirement plans. Within the past year, the average...
 
 
 
401(k) Stock Investments
 
 
The 2008 financial crisis negatively impacted individuals with a large portion of stocks in their 401(k) accounts.  However, today 401(k) plans are booming. According to a recent study...
 
 
 
401(k) Advisors are Productivity Consultants
 
 
The Department of Labor rule has opened doors for 401(k) advisors to provide value-added services and low-cost investments. Individuals struggling with stress, debt, and motivation are less...
 
 
 
Do You Know These Personal Finance Terms That 1 in 3 Americans Donít?
 
 
The struggle in the United States with basic financial literacy was revealed when GoBankingRates surveyed over 500 people about money, loans, and credit. The terms in question included...
 
 
 
401(k) Lawsuits can be Avoided with the Right Fiduciaries
 
 
Appointing retirement plan fiduciaries has proven to be difficult for C-suites of American companies.  The role of a plan fiduciary is complex and comes with a tremendous amount of...
 
 
 
Only 8% of US Stock Funds in 401(k) Plans Beat Index over 15 Years
 
 
S&P analysis over the past 15 years has shown that most mutual funds have had trouble beating their respective indices.  Just 1 of 175 growth funds performed better over that...
 
 
 
Whatís The Top Priority For 401(k) Plan Sponsors Now?
 
 
Certain behaviors of 401(k) sponsors are being driven by lawsuits, legal exposure, and regulatory sanctions. The behavior being changed the most involves target date funds, which over 75%...
 
 
 
Are 401(k) Loans Double-Taxed?
 
 
401(k) loans are not necessarily double taxed according to financial experts, but taxes on these loans could be more than two times what a normal loan would be taxed. The reason for this is...
 
 
 
How Life Insurance Impacts Your Financial Planning and 401(k) Savings
 
 
When talking with many employees, they often have questions about how life insurance impacts their 401(k), retirement readiness, and financial planning. Which type of policy should I...
 
 
 
February 2017 Market Commentary
 
 
With the US stock market all-time highs, many investors are worried about a potential downturn in the markets. On one hand, investors are bullish about the Trump administration’s...
 
 
 
Got a Raise? Invest it!
 
 
Contributing to your 401(k) is a good idea at any point in the year. The earlier you start saving for retirement, the better off you’ll be when it comes time to retire....
 
 
 
4 Risks Hiding in Your 401(k)
 
 
There are some risks that may be hiding in your 401(k). Ask yourself these few key questions and take control of your 401(k):
 
 
 
Saving for Retirement Beyond the 401(k)
 
 
The tax benefits of saving in a 401(k) is widely known and many Americans today are taking advantage of it. But if you’ve maxed out your 401(k) contributions, there are other...
 
 
 
Majority of Employees Failed 401(k) IQ Test
 
 
Many employees have a rough understanding of their workplace 401(k) plan, a recent survey from Fisher Investments puts employees to the test.

How much do you know about 401(k)?...
 
 
 
The #1 Tip for your 401(k)
 
 
The #1 thing to do for your retirement accounts by year end is to streamline them. Consider rolling over old 401(k) accounts from your previous employers into one manageable account....
 
 
 
How to Save Effectively for Retirement, Post-Recession
 
 
Here are some tips to help you save effectively for your retirement: 




 
 
 
Millennials Love 401(k)'s For a Reason
 
 
The key difference between retirees today and millennials is that millennials plan to work until they die. Millennials are putting more emphasis on saving and are more likely to rank...
 
 
 
Are You Taking Too Much From Your Retirement Funds?
 
 

After all those years of saving for retirement, many are left to determine how much to withdraw once they retire.

 
 
 
When your hedge fund manager buys a ferrari, find a new manager
 
 
The type of car your fund manager drives may be related to his/her capacity for risk taking. Managers who drive sports cars are far more likely to take on risk than those that drive a...
 
 
 
When a Job Doesn't Come with a 401(k) Plan
 
 
A company 401(k) plan is a great way for employees to save for retirement. The problem for those who work in retail or food services is that many of the companies in those industries...
 
 
 
How to Tell if a Roth 401(k) is For You
 
 
Many employers offer a traditional 401(k) but you may want to consider a Roth 401(k) if it’s available.

 

 
 
 
How Your 401(k) Plan Will Change in 2017
 
 
While the contribution limits remain the same at $18,000, you can expect more automation and more regulation for your 401(k) plan in 2017.

 
 
 
401(k) is Not for Emergencies
 
 

Withdrawing from your 401(k) for emergencies may be detrimental to your savings. Not only do you have to pay taxes on the withdrawals but you’ll also be hit with a...

 
 
 
Mistakes to Avoid with your 401(k)
 
 

There are a few common mistakes that people tend to make with their 401(k). You'll be better off if you avoid them!

 
 
 
The Trick to a Bigger 401(k)
 
 
The trick to a bigger 401(k) is to get in when you start your career and save consistently over time. Together, the market and your contributions will drive the growth.

...
 
 
 
Company Stock in your 401(k) is Still a Bad Idea
 
 
We all learned something from Enron - avoid having your company’s stock in your 401(k). Some might think that working at a company gives them better insight on the...
 
 
 
Bill to Get Rid of State Income Tax on 401(k) Earnings in Alabama
 
 
Defined contribution plans such as the 401(k) are taxed while defined benefit plans such as pensions are not taxed in Alabama. A new proposal in Alabama will exempt 90% of 401(k)...
 
 
 
How to Put Your RMD to Work
 
 
The end of the year is a good time for those over age 70 to think about their required minimum distributions. Required minimum distributions are something you have to take,...
 
 
 
Why You Need To Think About Your Retirement Taxes Now
 
 
Taxes are a big expense in retirement and the sooner you plan for taxes, the better off you'll be when it comes time to retire. Experts recommend saving in a Roth account in addition...
 
 
 
Splitting your savings - Retirement or Your Kid's College?
 
 
Should you save more for retirement or for your kid's college? As a general rule, retirement savings should come before college savings, here’s why:

 
 
 
5 Things To Do By New Years Eve to Get A Bigger Tax Return
 
 
There’s still some time to take advantage of tax deductions before the filing deadline in April 2017. Check out the tips below to make sure you reduce your tax bill come April...
 
 
 
The Three-Legged Stool of Retirement is Wobbly
 
 
The three-legged stool refers to the pension, social security, and personal retirement savings. With the pension becoming less common and social security facing troubles in the near...
 
 
 
Retirement Plan Strategies for Business Owners
 
 
An IRA or SEP aren’t the only options for small business owners, the 401(k) is another tax deferred option that business owners can take advantage of.

 
 
 
Should You Use Life Insurance to Fund Your Retirement?
 
 
Should you use life insurance to fund your retirement? The short answer is no -- life insurance was not designed to fund retirement.



 
 
 
When and Why to Convert to a Roth IRA
 
 
John Sullivan breaks down the benefits of a Roth conversion in his article. A big benefit of converting an IRA to a Roth IRA is that Roth accounts can serve as a wealth transfer...
 
 
 
What to Do If Your Parents Haven't Planned for Retirement
 
 
It’s a tough spot to be in if your parents haven’t planned for their retirement, There are a few things you can do to help:


 
 
 
Does your dream job offer a 401(k) match?
 
 
Choosing between an employer who has a 401(k) match and one who doesn’t could make a big difference for your retirement savings. 

 
 
 
3 Things to Know About Your 401(k) Retirement Plan
 
 
Americans have saved away $24.1 trillion towards their retirement and 20% of that is part of 401(k) plans. Selena Maranjian, Brian Stoffel, and Matthew Frankel point out 3 things you should...
 
 
 
End of Year Retirement Planning Tips to Save You Money
 
 
Knowing how to plan your retirement savings and meeting deadlines could help you when it comes time to file your taxes.



 
 
 
5 New 401(k) and IRA Rules for 2017
 
 
The new 401(k) and IRA rules are in for 2017! 401(k) contribution limits will remain the same but here are the 5 new rules for the new year:
 

 
 
 
How to Fix a Retirement Plan at a School or Nonprofit
 
 
Public school teachers, charity workers and many employees of religious organizations often find themselves in a bad situation when they realize that their 403(b) earnings aren't...
 
 
 
Before packing your bags to retire abroad...
 
 
A retired life overseas may seem like the ideal situation but there are things to consider when retiring outside the U.S.




 
 
 
Your Retirement Under President Trump
 
 
President Trump will have a great deal of influence over the retirement issues that America faces. Here's a few areas he will likely influence: 


 
 
 
It's Time for Your 401(k) Physical
 
 
It’s generally a good idea to check your 401(k) account annually. While a retirement plan isn’t something you have to frequently adjust, it’s also not something you...
 
 
 
Student loans can smother your retirement savings
 
 
People with student loans participate in employer-sponsored retirement plans at a lower rate than those without debt. The contributions lost to student loans are...
 
 
 
Why States Are Asking Small Business to Solve the Retirement Crisis
 
 
California governor, Jerry Brown, signed the ‘California Secure Choice’ into law - a mandate that will require businesses of more than 5 employees to offer a...
 
 
 
Will the outcome of the election wreck your 401(k)?
 
 
Fund managers are saying not the worry about your 401(k) during the election. Presidential elections historically have not had a big impact on stocks over the long term but that’s not...
 
 
 
Massachusetts Advisors Fail 401k Fiduciary Test
 
 
Massachussetts has a new fiduciary rule called 'The BIC Exemption' and many financial advisors are unsure how the new rule will affect them.

 
 
 
More 401k Participants Combine Tech And Advisors
 
 
It's not the end for traditional advisors, a recent study shows Americans use digital resources for investment information but are also still interested in professional financial...
 
 
 
Use of Certain 401(k) Plan Auto Features Declines
 
 
Auto-deferral increase and auto-rebalancing has declined in recent years but there has been an increase in interest from plan sponsors for investment advice.

 
 
 
What You Need to Know About 401(k) Loans
 
 
In a financial emergency? You may be able to tap into your 401(k) plan assets in the form of a loan. Here are a few basics that you need to know about 401(k) loans:
 
 
 
Many Millenials want to retire by age 60
 
 
A JP Morgan survey found that millenials are starting to save sooner than their baby boomer counterparts and they want to retire sooner too. However, the current state of financial...
 
 
 
Making Time for Meditation
 
 
Want to meditate but don't feel like you can squeeze it into your busy schedule? Here are three steps you can take to turn an everyday walk into an opportunity for meditation:

...
 
 
 
4 Retirement Planning Rules Millennials Can Break
 
 
There are retirement rules out there that serve as good guidelines but it doesn't mean that you have to follow them. Especially for millennials, it may be better to consider bending...
 
 
 
South Carolina moving to 401(k)
 
 
South Carolina is planning to transition away from pension plans and towards a 401(k) type plan for workers in the public sector. The plan will help exert more responsibility to...
 
 
 
4 Questions to Help Fine-Tune Your Retirement
 
 
What are the questions you need to be asking yourself to plan for your retirement? Joe O'Boyle provides 4 questions that everyone should ask themselves when planning for their...
 
 
 
How to Get Over Your Worries and Invest Like You Should for Retirement
 
 
Loss aversion is a common trait among those who have experienced traumatic declines in their wealth but it's also becoming a common trait among...
 
 
 
How to Improve Your Retirement Income if You Haven't Saved
 
 
Being close to retirement without enough savings can be a stressful situation. Fortunately, there are some options to consider to improve...
 
 
 
Five Things Bad 401(k)s Have In Common
 
 
Protect yourself against a bad 401(k) plan by asking for full disclosure on middlemen fees and a yearly independent audit...
 
 
 
Here's How Much a Millennial Needs to Save Each Month to Retire With $5 Million
 
 
Curious to know what it takes to have $5 million saved for retirement? John Rampton with Entrepreneur.com outlines tips and figures of what it takes to reach your ideal retirement....
 
 
 
When You Change Jobs, Don't Forget About a 401k Rollover
 
 
Don't forget about your 401K If you've recently changed jobs. Sergey Sanko at Income Club highlights what a rollover...
 
 
 
Planning Opportunities For Non-Spouse Beneficiaries Of Inherited Retirement Accounts
 
 
Inherited retirement accounts can be a burden on family members and beneficiaries due to the tax consequences associated...
 
 
 
Net outflows befall 401(k) plans
 
 
As Baby Boomers retire, they are expected to pull out records amount of money from 401(k) plans according to the Wall Street Journal's Kirsten Grind in her post
 
 
 
Why You're Paying Too Much in Fees
 
 
Fees for investment advice can be as high as 2% of assets according to the Wall Street Journal's Jason Zweig in his post
 
 
 
What the Supreme Court's fixes for retirement savings may do to your 401(k)
 
 
Believe it or not, your company 401(k) plan may not offer the best investment options available to employees, but the Supreme Court is here to fix that, according to Chuck Jaffe's Market...
 
 
 
For millions, 401(k) plans have fallen short
 
 
401(k) plans were never meant to be America's primary retirement savings vehicle and, according to CNBC's Kelley Holland in
 
 
 
How good is your 401(k) plan?
 
 
Do you know what makes a good 401(k) plan? Most people don't, but Money Intel is here to help! Read Robert Powell's Market Watch post
 
 
 
More Americans Smell Fear-not Roses-When They Retire
 
 
Two thirds of Americans are stressed about their finances and retirement savings, according to a new report by Merrill Edge in Fiscal Times' Beth Braverman's post
 
 
 
Obama proposes tougher rules to protect retirement accounts
 
 
President Obama says your 401(k) plan advisor may be selling you "snake-oil" and getting "back-door payments" off of your hard earned savings according to Kathleen Hennessey at the Miami...
 
 
 
 
READY TO TAKE THE NEXT STEP?
Even if you don't choose us to manage your accounts, please ask your advisor
if they are a fiduciary and how they make their money. The answer could surprise you.
HAVE A QUESTION?    CALL OR EMAIL US TO SCHEDULE A FREE CONSULTATION.
CONTACT@MONEYINTEL.COM (888)865-7262
FOLLOW US  
FORM ADV   |   PRIVACY POLICY   |   TERMS OF USE   |   DISCLOSURES