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Hey Joel! – Answers from a recovering former practicing ERISA attorney May 7, 2018 by Featured by RPAG, brought to you by BerganKDV Wealth Management
Hey Joel! – Answers from a recovering former practicing ERISA attorney
Welcome to Hey Joel! This forum answers plan sponsor questions from all over the country by our in-house former practicing ERISA attorney. Should I distribute the Fiduciary Investment Review to plan participants? – Generous in Georgia Dear Generous, I appreciate your desire to provide detailed information to your plan participants, but hold your horses. While there […]
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Evaluating Your Plan and Fees? Think More, Not Less. May 7, 2018 by Featured by RPAG, brought to you by BerganKDV Wealth Management
Evaluating Your Plan and Fees? Think More, Not Less.
Should you reduce your plan’s fees to better serve participants? Many vocal experts speaking on behalf of investors and participants say “yes” – unequivocally. But what about the investors and participants themselves? What do they say? Invesco Consulting teamed up with language experts Maslansky + partners to get the answer. The nine-month study included in-depth […]
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Have You Conducted a Fee Equalization/Levelization? May 7, 2018 by Featured by RPAG, brought to you by BerganKDV Wealth Management
Have You Conducted a Fee Equalization/Levelization?
Bill Tugaw, Governmental Plan Practice Leader Fees in defined contribution (DC) plans can be complicated. Historically, fees have not been fully and simply disclosed, but the industry is changing towards greater and more understandable disclosure. Simply put, there are two basic types of fees: administrative and investment-related. The investment-related fees are deducted from earnings on […]
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Hey Joel! – Answers from a recovering former practicing ERISA attorney April 18, 2018 by Featured by RPAG, brought to you by BerganKDV Wealth Management
Hey Joel! – Answers from a recovering former practicing ERISA attorney
Do you have a question for an ERISA attorney burning in your heart? Well, you’re not the only one! Welcome to our new Retirement Times feature, Hey Joel! We’re featuring plan sponsor questions from all over the country and answers from our in-house former practicing ERISA attorney. Do we need to adopt a loan policy? […]
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Is it Time for a Plan Refresh? April 18, 2018 by Featured by RPAG, brought to you by BerganKDV Wealth Management
Is it Time for a Plan Refresh?
The duty to provide participants with sufficient information to make consistently informed retirement investment decisions is a basic fiduciary responsibility under ERISA Section 404(a). However, there could be some plan committees who feel their participants are not consistently making prudent decisions. According to a recent JP Morgan survey¹ nearly 75 percent of participants say they […]
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Stock Markets Just Started Looking Normal Again. Is that a Good Thing? March 26, 2018 by Featured by RPAG, brought to you by BerganKDV Wealth Management
Stock Markets Just Started Looking Normal Again. Is that a Good Thing?
The last few weeks proved that stock market volatility really never went away, even if it was forgotten.  With the S&P 500 dropping more than 7 percent at in the first week of February¹, it is important to remember that these types of events occur in the stock markets annually, if not even more frequently. […]
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The Explosion of Bitcoin March 26, 2018 by Featured by RPAG, brought to you by BerganKDV Wealth Management
The Explosion of Bitcoin
Ryan Hamilton, Advisor Service Associate From Wall Street Journal articles and editorials in Barron’s, to Facebook posts and holiday dinner conversations, Bitcoin is everywhere. This is not surprising when you consider Bitcoin’s exponential growth in 2017. In a year where the market saw new highs, one of the top performing mutual funds returned 105.73 percent¹, […]
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IRS Retirement Plan Announcements for the Recent Hurricanes and California Wildfires February 22, 2018 by Featured by RPAG, brought to you by BerganKDV Wealth Management
IRS Retirement Plan Announcements for the Recent Hurricanes and California Wildfires
Many individuals have recently been significantly impacted by both the hurricanes and California wildfires and the Internal Revenue Service (IRS) provided relief for qualified individuals in retirement plans through several announcements. In addition, President Trump signed the Disaster Tax Relief and Airport and Airway Extension Act of 2017 (“Act”), which provides tax relief for individuals […]
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Weather or Not, Stay Invested February 22, 2018 by Featured by RPAG, brought to you by BerganKDV Wealth Management
Weather or Not, Stay Invested
Kyle Olson, CFA, Senior Investment Analyst 2017 was one of the strongest years on record for hurricanes in the Atlantic region of the United States and among the costliest of seasons on record, with preliminary estimates totaling over $200 billion. This is the second largest season in damages since 1900, with 2005 having a slightly […]
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Are Your Participants Experiencing a Fee Imbalance? January 17, 2018 by Featured by RPAG, brought to you by BerganKDV Wealth Management
Are Your Participants Experiencing a Fee Imbalance?
Subsequent to the 2012 implementation of ERISA fee reporting regulations (ERISA 408(b)(2) & 404(a)(5)), the Department of Labor (DOL) began to consider the appropriateness of the allocation of plan fees among participants. This is a subject that generally had not been on the radar screen of many plan fiduciaries, but once identified, tends to generate […]
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