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.
Maryland’s State-Run IRA Is Different, Better, and Still Less Than Optimal
At this point, ALL Maryland workers would be better served by saving in a superior alternative
The 401(k) as an ‘Asset Magnet’: Helping to Avoid Rollover Ripoffs
Features of specific value to active and term vested/retired participants include ...
State-Run IRAs Are Similar, and Suboptimal: Opinion
The state-sponsored CalSavers completes its implementation process this week when all employers of five or more employees must comply.
More Problems with Lifetime Income Disclosures
Lifetime income disclosures can confuse plan participants. Learn how estimates change and why clarity matters for retirement planning.
How to Avoid Self-Defeating Financial Wellness ‘Solutions’
Consider implementing a financial intervention as necessary for every new hire
The Problems With Lifetime Income Disclosures
A voluntary estimate of lifetime income based on accumulated savings has merit, but …
Auto Everything—Including 401(k) Auto Decumulation
We're looking for a few “good” plan sponsors
‘Show Me’ the Money with Retirement Savings Leakage
Two articles say participants could avoid $2 trillion in retirement savings leakage
Retirement Plan Access is An Issue, Coverage is Not
Disparities in retirement savings and household wealth affect individuals of all races and ethnicities.
How to Settle a 401(k) ‘Future Debt’
Beware the Ides of March! In addition to the assassination of Julius Caesar in 44 BC, this day…