Category Archives: Retirement Plans

I believe that plan providers who promised they will make me wealthy have consistently failed in that promise. While it’s perfectly fine to dream of retirement plan profits, it’s important not to let those dreams turn into mere fantasies. The … Continue reading →

A plan provider once asked me if I had written a comprehensive article on why trustee-directed 401(k) plans are superior to participant-directed plans. Although I believe in this argument, I haven’t actually written such an article. I don’t think it … Continue reading →

When I was 13 and had my Bar Mitzvah, I spent around $2,000 (in 1985 money) on a state-of-the-art Apple IIe with a monochrome monitor. One of the first pieces of software I purchased was the top desktop publishing program … Continue reading →

At work and at home, one of the worst things I ever did was make a mistake and not accept responsibility for it. Instead of owning up, I would make excuses, turning the fight over the mistake into a bigger … Continue reading →

Retirement plan provider 401GO is partnering with isolved, a human capital management (HCM) technology solution, to offer retirement plans within isolved’s cloud network. The new plan, isolved 401(k), will be powered by 401GO and will include three 401(k) plans, each … Continue reading →

Betterment Advisor Solutions (BAS), announced the launch of an all-digital solo 401(k), designed for independent advisors and their self-employed clients. Key features of the plan include paperless account opening with no setup fees, fully digital contributions, spouse participation at no … Continue reading →

Correcting your late deferrals by depositing them and making a contribution to compensate for lost earnings in your 401(k) plan isn’t sufficient. Why? Because Form 5500 requires you to honestly indicate whether you have late deferrals. If you answer “yes” … Continue reading →

I have worked at places that were so unpleasant that I consider myself lucky the vesting schedule was only six years. If they had the option, I’m convinced they would have implemented a 20-year vesting schedule. For me, vesting schedules … Continue reading →

Sponsors of 401(k) plans are increasingly recognizing the need to provide personalized investment options for their participants; however, access to managed accounts still remains limited. According to PGIM DC Solutions’ 2025 DC Plan Sponsor Landscape Survey, a resounding 88% of … Continue reading →

Human Interest unveils a “401(k) Customer Experience Guarantee.” At least with those fiduciary warranties, it’s not insulting anyone’s intelligence. The Customer Experience Guarantee includes specific, measurable service commitments, and the company said it has plans to improve guarantees year-over-year. For … Continue reading →