Blog

Tuesday, April 27, 2021

Tips and resources that everyone can use Knowledge is retirement power According to the latest Fidelity Retiree Health Care Cost Estimate (2020), an average retired couple age 65 may need approximately $295,000 saved (after tax) to...

Tuesday, April 27, 2021

Thinking of retiring early? Here’s what you need to know When you get to a certain age, you may find yourself daydreaming about retiring early, or at least before the “traditional” age of 65. It’s only...

Tuesday, April 27, 2021

Help sustain the environment with these practical money-saving tips Here are some easy ways to protect the environment and improve your budget at the same time. Wash your clothes in cold water. They get just as clean, but without the...

Tuesday, April 27, 2021

Cultivating a realistic budget can help you harvest a better financial future Spring is here and it’s time to think about growth potential—for both your garden and your journey toward financial wellness! The following steps...

Tuesday, April 27, 2021

July Conduct a review of second quarter payroll and plan deposit dates to ensure compliance with the U.S. Department of Labor’s rules regarding timely deposit of participant contributions and loan repayments. Verify that...

Show All

Tuesday, April 27, 2021

Q: Our business was hanging on in spite of COVID-19, but then our area was hit by wildfires. Can employees who participate in our 401(k) plan take money out of their accounts under the COVID relief provisions? A: No, but there may be...

Tuesday, April 27, 2021

Let’s play a little fill-in-the-blank game. Complete the following sentence: Those poor (Millennials, GenXers, Boomers)! They really got the short end of the retirement stick, especially in light of the pandemic. Which is the...

Tuesday, April 27, 2021

Do you feel like you spent the last year gripping the steering wheel and waiting to see what would happen? You aren’t alone. Still, as we collectively look ahead and the chaos wanes, bits of good news are emerging. In the...

Tuesday, March 2, 2021

Retirement plan sponsors, trustees, plan administrators, and members of plans’ investment committees are held to a fiduciary standard under the Employee Retirement Income Security Act of 1974 (ERISA.) This standard requires them...

Thursday, January 14, 2021

Lifetime income (LTI) strategies, such as target income payout funds or annuities within company-sponsored retirement plans, are designed to help investors plan for and manage their accumulated wealth after retirement. However, these...

Thursday, January 14, 2021

The beginning of the year is often a busy time for retirement plan sponsors, especially in smaller organizations where the company’s retirement plan committee members are tasked with sales and operational matters which may seem...

Tuesday, January 12, 2021

2021 Policies Update and the Markets In this week’s Market Signals podcast and video, LPL Research talks about 2021 policy updates and the possibilities of higher taxes and more regulation, more stimulus, higher Treasury yields,...

Tuesday, January 5, 2021

Market Blog View enlarged table. US and International Equities The S&P 500 Index, Dow Jones Industrial, and Nasdaq Composite indexes, continued their November run in December. As noted last month, November was a record-breaking month...

Tuesday, January 5, 2021

After months of intense debate, the House and Senate voted to pass a second COVID-19 economic stimulus bill and the President has signed it into law.1 At a total cost of $900 billion, this 5,600-page bill[1] contains everything from...

Wednesday, December 30, 2020

Solid holiday shopping season. Holiday sales grew 3%, beating forecasts for a 2.4% increase according to MasterCard’s SpendingPulse. Online sales rose 49% year over year. These results were impressive for a recessionary...

Thursday, December 24, 2020

April If a plan audit is required in connection with the Form 5500, make arrangements with an independent accountant/auditor for the audit to be completed before the Form 5500 due date (calendar-year plans). Audit first quarter payroll...

Thursday, December 24, 2020

Q: The ups and downs in the stock market have made some of our 401(k) plan participants very nervous, to the point that some have moved their entire accounts into money market funds. Is that a good strategy for retirement savings? A:...

Thursday, December 24, 2020

Life involves risk. One of them is retirement, and whether the money we save to fund it will last. Do your employees understand their risk, and actions they can take now to manage it? A recent survey found that retirement security may...

Thursday, December 24, 2020

One year ago, there was already troubling news about how little Americans had saved for retirement. Then the pandemic descended, multiplying those concerns. Local and national governments attempted to help with the immediate needs of...

Thursday, December 24, 2020

Tips and resources that everyone can use Knowledge is retirement power For 2021, the Social Security Administration (SSA) is paying out a Cost-of-Living Adjustment (COLA) of 1.3%. This amounts to about $20 more a month in benefits for...

Thursday, December 24, 2020

Celebrate American Heart Month by embracing more fiber in your diet According to the National Institutes of Health, most people consume less than half of the recommended amounts of fiber, despite the health benefits that come with it....

Thursday, December 24, 2020

During these uncertain times, 529 plans may make more sense than ever For many people, a 529 savings plan offers an opportunity to achieve an important life goal and improve overall financial health. As college and university...

Thursday, December 24, 2020

Seven age milestones that will impact your retirement planning As you travel the savings road toward retirement and beyond, certain key dates will pop up. Some of these dates are critically important to your retirement planning efforts...

Tuesday, December 15, 2020

Back in July, we wrote in our July 23 LPL Research blog that dollar weakness may continue, highlighting a short-term bearish technical case for the US dollar. Since then, the Bloomberg US Dollar Index and the US Dollar Index (DXY) are...

Tuesday, December 8, 2020

2020 has been a tumultuous year, and as we near its close, we are pleased to present Outlook 2021: Powering Forward, which outlines our views on markets, the economy, and policy into 2021 and beyond. Click Here to Download the PDF

Monday, December 7, 2020

The COVID-19 pandemic put quite a crimp on large parties or even smaller gatherings in close quarters, and now, holiday gatherings and events are likely to look very different in 2020. But different doesn't necessarily mean bad, and...

Wednesday, December 2, 2020

Market Blog What a month November was! Here are some of the highlights: Best month for Dow since January 1987 (11.9%) and best November since 1928 Best month ever for the STOXX 600 (16.7%) Best month ever for the Russell 2000 (18.3%)...

Wednesday, November 18, 2020

The holiday season is just a short time away, which means the shopping season is about to be in full swing. Shopping for holiday gifts is stressful but also a little fun, especially when you think about the joy you will bring to those...