As an ERISA/Employee Benefits compliance and planning attorney, Jack Towarnicky has over forty years of experience in human resources and plan sponsor leadership roles. Jack's expertise has afforded him several invitations to present at various national conferences: World at Work, International Foundation of Employee Benefit Plans, Council on Employee Benefits, Academy of Behavioral Finance & Economics, Disability Management Employer Coalition, Society of Actuaries, Society for Human Resources Management.
Jack has also provided several testimonies to the Department of Labor, Employee Benefits Security Administration, and authored several publications.
Wash, Rinse, Repeat
Jack Towarnicky is confident economic analysis of DC plan mandated disclosures will confirm that costs dramatically exceed the benefits
What We Need in Retirement
Jack Towarnicky takes issue with a recent Wall Street Journal piece advocating to bring back corporate pension plans
Is an Unorganized Approach to Financial Planning Ever Optimal?
Most younger workers need a simpler, holistic option
Let Ben Franklin Create ‘Middle Class Millionaires,’ Eradicate Poverty in America
Jack Towarnicky makes the case for the Benjamin Franklin Child Roth IRA
How States Define ‘Success’ for Their IRA Mandates
Should “success” include prompting employers to add or maintain a 401(k) plan to avoid the state IRA mandate?
The ‘Smart’ Thing to Do with a Refund of 2023 Taxes
No, not your 2022 tax refund; yes, the 2023 tax refund workers will receive a year from now! Jack Towarnicky has advice on the subject for 401(k) plan sponsors
Mandated Fee Disclosures: Participants Pay … But Get Little in Return
What would you change?
Maximize Outcomes, Not Incomes (‘Die with Zero’)
Pre-retirement planning for workers retiring in the second half of the 21st Century
SECURE 2.0: More ‘Impactful’ Stuff Plan Sponsors Don’t Need; Didn’t Ask For
This op-ed by Jack Towarnicky argues Congress is largely focused on the wrong issues with the massive new retirement reform legislation package
Is Congress Mad? Are You?
SECURE 2.0 adds a variety of new leakage opportunities, Jack Towarnicky argues. Congress has made up its mind. Your turn.