Newsletters

Participant Corner: Don’t Leave Your Retirement Behind
Starting a brand new job is exciting and full of a lot of new benefits, but don’t forget about the retirement plan you left behind. There are many different ways to handle an old retirement account and here are your four options: Options Pros Cons Leave it where it is...

Stretching the Match
Summer has begun and now you can relax, right? Maybe not… this is actually a great time for you to do a midyear check on your organization’s plan design to see how it is performing among your employees. Are they participating in the plan? Are they increasing their...

Rethinking Pension Surplus Dollars: Avoiding the Termination Trap
As rising interest rates have reshaped pension funding dynamics post-COVID, many corporate defined benefit (DB) plans are now experiencing significant surpluses. According to actuarial firm Milliman, the 100 largest corporate DB plans, in aggregate, held an estimated...

Engaging the TikTok Generation on Retirement
Nearly a quarter of all Gen Z employees aren’t enrolled in a company retirement plan, according to BenefitsPro. That’s three times the rate of millennials, Gen X, and Boomers. In addition, 12% of Gen Zers don’t take advantage of any workplace benefits at all, twice...

Participant Corner: Saving in Your 20s, 30s, 40s and Up… What Changes?
No matter how old you are, it’s never too early (or late) to save money for retirement. Each decade comes with different goals, investment types, and risk factors, but understanding the difference can help you be prepared for when your retirement comes around....

Basic Fiduciary Obligations for New Plan Sponsors
Threats of financial penalties and legal liabilities heighten the need for proper compliance with the Employee Retirement Income Security Act of 1974 (ERISA). Let’s go over the basics of what it means to be a fiduciary in an organization’s retirement plan. What is a...

Don’t Take Forfeitures for Granted
Retirement plans have long subjected employer contributions to vesting schedules, rewarding tenure by increasing the participant’s ownership in those contributions in proportion to their years of service. However, several law firms have recently challenged this...

Managed Accounts Offer a More Personalized Approach
Target-date funds have long played a vital role in giving American workers access to professional help when establishing and maintaining a diversified investment portfolio. However, the glide paths — the balance of stocks, bonds, and cash — that serve as the...

Participant Corner: Four Basic Steps for a Successful Retirement
We understand that most retirement savers aren’t financial experts, and that can make preparing for retirement feel overwhelming. The good news is that achieving a successful retirement doesn’t have to be complicated. By following a few basic steps, you could set...

Market Turmoil Spurs Trading, but Staying Put Pays Off
The U.S. stock market suffered its worst day in five years on Friday, April 4, following President Donald Trump's announcement of sweeping tariffs. The S&P 500, Nasdaq, and Dow Jones Industrial Average all posted significant losses. Despite the turbulence,...
The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
111 Bedford Ct.
Deland, FL 32724
685 Encino Drive
New Braunfels, Texas 78130
813-760-1769
PlanInsight@advizrs.com
