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HSAs: A Tax Trifecta Investment Opportunity January 17, 2018 by Featured by RPAG, brought to you by BerganKDV Wealth Management
HSAs: A Tax Trifecta Investment Opportunity
There’s never been a better time to jump headfirst into a positive change for your employees. Prepare yourself and your business by hearing what we have to say on HSAs.
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No Beneficiary Designation. Who Gets The Money? December 4, 2017 by Featured by RPAG, brought to you by BerganKDV Wealth Management
No Beneficiary Designation. Who Gets The Money?
According to a recent Wall Street Journal article, retirement plans and IRAs account for about 60 percent of the assets of U.S. households investing at least $100,000.¹ Both state and federal laws govern the disposition of these assets, and the results can be complicated, especially when the owner of the account has been divorced and […]
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To Bond or Not to Bond? December 4, 2017 by Featured by RPAG, brought to you by BerganKDV Wealth Management
To Bond or Not to Bond?
Over the last few years, there has been a fair bit of concern in the market over the general impact of rising interest rates. “You shouldn’t be holding bonds because rates will rise soon” goes the logic. But what does this really mean for investors? If interest rates rise, what will ultimately be the impact […]
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Five Ways to Expand Your Definition of “Benefits” to Include Wellness November 8, 2017 by Featured by RPAG, brought to you by BerganKDV Wealth Management
Five Ways to Expand Your Definition of “Benefits” to Include Wellness
When we think of employee benefits in today’s traditional landscape, we don’t typically include wellness within that core definition. Instead, wellness is often considered a standalone strategy. But this can be a disastrous scenario, considering how employee benefits and well-being go hand in hand. Most employees think of the two as the same and expect […]
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The Newest Employee Benefit—Student Loan Debt Repayment Assistance November 8, 2017 by Featured by RPAG, brought to you by BerganKDV Wealth Management
The Newest Employee Benefit—Student Loan Debt Repayment Assistance
Student loan reimbursement programs are a fast growing employee benefit. Approximately 70 percent of 2016 college graduates have student loans with an average balance of $37,000.¹ The Society for Human Resource Management reports that while only about 3 percent of employers offer this benefit, interest among employers is growing rapidly. Research also shows that a […]
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Improving Automatic Enrollment October 7, 2017 by BerganKDV Team
Improving Automatic Enrollment
Our research shows that the vast majority of plan sponsors recognize that automatic enrollment has been effective in improving plan success and simplifying internal plan administration. Could automatic enrollment’s success be improved upon? When automatic enrollment first began gaining popularity, about 20 years ago, its typical design served a number of purposes. It improved plan […]
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Do You Send Participant Notices via Email? Should you? October 7, 2017 by BerganKDV Team
Do You Send Participant Notices via Email? Should you?
The number of notices and disclosures required to retirement plan participants has increased while methods to access information changed drastically. Many people receive their news and information on electronic devices through apps and social media. What remains the same is the Department of Labor’s (DOL’s) guidance about permissible methods to provide notices electronically. There is […]
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Considering a Safe Harbor Retirement Plan September 12, 2017 by Featured by RPAG, brought to you by BerganKDV Wealth Management
Considering a Safe Harbor Retirement Plan
It may be advantageous for a plan sponsor to consider adopting a safe harbor design for their retirement plan. Adopting a safe harbor retirement plan design permits an employer to essentially avoid discrimination testing (the testing is deemed met). Remember, this testing limits highly compensated employees’ contributions based upon non-highly compensated employees’ contributions. By making […]
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Women in Retirement: 60 Percent Not Saving Enough September 10, 2017 by BerganKDV Team
Women in Retirement: 60 Percent Not Saving Enough
Some of your participants may be facing these struggles as well. Retirement planning is a daunting task, and women have different struggles than men: Gender pay gap: Women tend to earn less, which translates to lower earnings and savings, as well as reduced Social Security benefits. Cultural expectations: Women are more likely to take time […]
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Portfolio Patriotism — Domestic market optimism or inadvertent asset allocation? September 10, 2017 by BerganKDV Team
Portfolio Patriotism — Domestic market optimism or inadvertent asset allocation?
Globalization of the world economy has increased exposure to international investments, yet equity portfolios in general remain largely home biased today. This may be a good time for participants to reevaluate their asset allocation to see if they may be exhibiting a home country bias— or displaying overly optimistic expectations about the domestic market and/or […]
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