Browsing Tag
Opinion
255 posts
SECURE 2.0’s Saver’s Match: The Promise and The Challenges
Tom Hawkins explores four key themes associated with the impactful SECURE 2.0 provision set to replace the Saver’s Credit for tax years following 2027
Feel the Pain of the U.S. Debt Problem
We don’t “feel” the magnitude of our gigantic debt, but we are beginning to feel its cost
The Truth About Old-School Automatic Rollovers
Tom Hawkins explains why new-school automatic rollovers incorporating auto-portability are the future—and why old-school rollovers need to go away
Paying for Medical Needs with an HSA: Distinct Considerations for Women
Medical costs can seem particularly daunting for women, given the long list of needs that are female-specific. Health savings accounts can help
6 Steps to a Strong Missing Participant Policy
Retirement Clearinghouse’s Tom Hawkins shares keys to building a policy that will fulfill a plan sponsor’s fiduciary duty
Retraction: CIT Fees Opinion Column on 401(k) Specialist
401(k) Specialist has retracted a post originally published on May 2 that contained factual errors relating to collective investment trusts in target date funds.
The Right Way to Select a QDIA
Fully documenting the process of analyzing and selecting a strategy that aligns with participant demographics provides the highest level of legal protection for your QDIA selection
DOL Final Fiduciary Rules Could Resolve Conflicting Interests in Target Date Funds
Ron Surz warns TDF participants will be the big losers in the next market correction—unless they start using personalized target date accounts
‘401(k) Industry Owns Congress’ Claims POLITICO Report
While detailing extreme effectiveness of retirement industry lobby, exhaustive report calls it out it for providing tax breaks weighted toward wealthy and blowing out deficit
America’s Mobile Workforce Meets Their Saver’s Match
Tom Hawkins says the new program is poised to deliver significant benefits for lower-income savers