• Why aren't annuities more popular 401(k) distribution options?
     “It takes 20 years to build a reputation and five minutes to ruin it….” - Warren Buffet Richard Thaler’s recent article The Annuity Puzzle hypothesizes about the reasons for low utilization of annuity products as 401(k) distribution vehicles. In working through the... More »
    Jul. 12, 2011
  • 4 Traits of the Best 401(k) Plans
    Whether you’re an adviser or a plan sponsor, creating the best possible 401(k) plan is just good business. It makes everyone look good. And the biggest benefit is that the best 401(k) plans, en masse, should be the most beneficial for participants. So what four traits could give you... More »
    Jul. 12, 2011
  • Proactive Steps to Prepare for Fee Disclosure
    Recently I was interviewed by Employee Benefits News about what plan sponsors should do about the new fee disclosure regs. I suggested that they should find out what fees exist and what they cover and then start disclosing the findings before the regulations taking effect. That way plan sponsors... More »
    Jul. 12, 2011
  • New Retirement Rule of Thumb: 3 to 1?
    There are numerous ‘rules of thumb’ in the industry:  rule of 72; invest 125 minus your age in equities; withdraw no more than 4% of your account balance in retirement. My point is not to debate the merits of each (well, you really can’t debate the rule of 72 anyway... More »
    Jul. 12, 2011
  • 3 considerations for participant investment advice
    Whether you look at contribution rates, investment returns, retirement readiness or confidence surveys all data points to the same thing – participants want, and frankly need, help.  As you evaluate the options available here are 3 key points to consider. 1.  Services provided... More »
    Jul. 12, 2011
  • Can stress management improve participant behaviors?
    There are so many points of uncertainty right now, when you think about individuals who are trying to plan for retirement – the market, rising health care costs and the availability/solvency of social security to name a few. Plus, responsibility for funding retirement is shifting more and... More »
    Jul. 12, 2011
  • 3 Tactics for Getting Your 401(k) Participants to Participate
    It seems like we’re all moving through our days and weeks at the speed of light – many of your employees probably feel like they have very little time or energy to spare. And with the limited time and energy they do have, most employees don’t choose to focus on retirement... More »
    Jul. 12, 2011
  • Golden Phoenix Minerals, Inc. (GPXM) Signs Letter of Intent to Acquire Undervalued Panamanian Gold Mine
    Golden Phoenix Minerals is a mining company focused on driving shareholder value through the identification and development/joint venturing of precious and other strategically valuable metals in the Americas, with substantial interests ranging from the Company’s base in Nevada, to Canada... More »
    Jul. 12, 2011 GPXM
  • Imperial Petroleum, Inc. (IPMN) Video Chart for Tuesday, July 12, 2011
    IPMN is a good example of a chart that is in a position to move. The stock has been extremely bullish, climbing for many months, and is now at a resistance level once again. In this particular case, the candlesticks define solid support and resistance levels that will catch the eyes of technical... More »
    Jul. 12, 2011
  • Incoming, Inc. (ICNN) Set to Lead the Biodiesel and Renewables Charge
    For too many companies the concept of “renewables” is little more than a buzz word, something applied to a limited aspect of their products or operations to make them more appealing to the marketplace. Few companies take the concept to heart to the degree of Incoming, Inc., a young... More »
    Jul. 12, 2011