Articles and Publications

"Reinventing Retirement: What Can Squirrels Teach Us About Saving?"

They're smart and adaptable, and they plan | 3rd Quarter 2017

Darwin said that organisms don’t need to be the smartest to survive, they need to be the most adaptable. Gray squirrels are a double threat: they are both smart and adaptable, equally at home in the woods, a backyard, or the city. Continue Reading.


"Reinventing Retirement: Retiring or Changing Jobs?"

Here are a few tips on how to keep your 401(k) working for you | 2nd Quarter 2017

As more workers plan to continue working later in life, at more organizations, the ability to preserve their nest egg and keep it growing when they leave their current company is more important than ever. Here’s an easy-to-understand guide to your most common options. Continue Reading.


"Reinventing Retirement: Back to the Future"

What will work and life look like 30 years from now? | 1st Quarter 2017

In this issue of Reinventing Retirement, we look ahead 30 years to imagine how the future of work and life might differ from the past, and what impact this might have on your finances. Continue Reading.


"The New Fiduciary Rule's Effect on Call Center Staff"

Mary Oneyear QKA | Fall 2016

When the DOL’s new fiduciary rules take effect in April 2017, call center personnel will be faced with many new challenges. Quite possibly, the largest and most complex will be how to handle participant questions and conversations on rollovers. It is likely the current practice of most call centers would cause them to be fiduciaries under the new rules. Continue Reading.


"My Retirement Plan Isn't Free??"

Mary Oneyear QKA | September/October 2016

Unfortunately, the title of this article is not meant to be a joke. My colleagues and I hear this comment frequently as we meet with plan participants. Despite the transparency of fee disclosures and education messaging, many Americans may not be familiar with the fees assessed within their organization’s retirement plan. Continue Reading.


"Finding FDIC Insurance Within a Qualified Plan"

Lenora Kemp and Brian Kallback | Summer 2016

Over the last few months, many articles and white papers have been written about the upcoming changes to the SEC’s revised money market regulations. The theme is similar in most of them: record keepers, TPAs, plan sponsors and advisors will need to review their fund options within the capital preservation investment category to ensure the funds offered fit within the objectives of the particular plan. Articles discuss institutional, retail and government money market funds, and stable value offerings — yet many fail to mention the potential benefits of an FDIC-insured investment account. Continue Reading


"Set It and Forget It"

Ellen Hughes | March/April 2016

You get out the cookie dough, lay spoon sized sections onto a greased baking dish and slide it into the oven set at 425. The timer is set at 12 minutes and for those 12 minutes you can forget about the cookies baking. If you can so easily set it and forget it, why do you continue to check the progress every so often? Although you know the oven does its job and the time is perfectly set, the cookies could become over or under cooked. Based on your preference, either way could be unappetizing. Continue Reading.


"Chipping Ice and Falling Markets"

Brian Kallback, CFP®, CLU®, QKA | January/February 2016

As the weather on the East Coast and Midwest has been dreadful this winter, the stock market has been even more frightening. Markets have plummeted like the temperature outside and many retirement savers are concerned their money is being left out in the cold. Through your working career, your retirement account will experience many of these fluctuations as it moves through bear and bull markets, periods of growth and expansion, and times of decline. When your account value is dropping, it can be difficult to remain invested and maintain your focus on your overall investment strategy. Continue Reading.


'Is Your 401(k) Lake Frozen?' Opinion

Brian Kallback, CFP®, CLU®, QKA | February 9, 2016

A quick review of statistics from the retirement plan industry tells us the financial literacy of our audiences is quite low. Much of industry marketing, graphics, and stories rely on an engaged and self-directed learner who understands why he or she should save. Easy-to-use, simple step processes may allow an employee to enroll in a plan, but it usually does not result in life-long learning or engagement. Before determining a message for your educational content, it is imperative you ponder your overall philosophy regarding the purpose and objective of an education meeting. Continue Reading.