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This book is written for Plan Sponsors of 401(k) plans and their Committees or Advisors. Most of the book is also applicable for other types of retirement plans such as 403(b) plans. However, it is focused on Participant-directed 401(k) plans where the Participants have investment choices in the plan. One of the first tasks every 401(k) Committee should complete is to figure out who the Fiduciaries are and what they are responsible for. Yet most Committee members don't seem to know, or they get the answer wrong. This book will help you with this important task. Most Committees focus on the investments in 401(k) plans, and this is an important part of the plan. However, the administration of the plan gets overlooked too frequently. If you ask the typical ERISA attorney, they would probably agree that a large majority of the issues in retirement plans are administrative-based and not investment-based. We will discuss some of the key administrative issues that a Committee, Plan Administrator or Plan Sponsor need to be aware of. There probably is not a 401(k) plan around that is in perfect compliance with the laws or Fiduciary governance. The rules are so complicated and convoluted. We should strive to do our best, and reading this book will help.
Book Synopsis The 401(k) Committee/Fiduciary by : Cpc Tom Carter
Download or read book The 401(k) Committee/Fiduciary written by Cpc Tom Carter and published by . This book was released on 2019-03-08 with total page 158 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is written for Plan Sponsors of 401(k) plans and their Committees or Advisors. Most of the book is also applicable for other types of retirement plans such as 403(b) plans. However, it is focused on Participant-directed 401(k) plans where the Participants have investment choices in the plan. One of the first tasks every 401(k) Committee should complete is to figure out who the Fiduciaries are and what they are responsible for. Yet most Committee members don't seem to know, or they get the answer wrong. This book will help you with this important task. Most Committees focus on the investments in 401(k) plans, and this is an important part of the plan. However, the administration of the plan gets overlooked too frequently. If you ask the typical ERISA attorney, they would probably agree that a large majority of the issues in retirement plans are administrative-based and not investment-based. We will discuss some of the key administrative issues that a Committee, Plan Administrator or Plan Sponsor need to be aware of. There probably is not a 401(k) plan around that is in perfect compliance with the laws or Fiduciary governance. The rules are so complicated and convoluted. We should strive to do our best, and reading this book will help.
Book Synopsis The 401(k) Company Investment Committee Handbook by : 401(k) Company. Investment Committee
Download or read book The 401(k) Company Investment Committee Handbook written by 401(k) Company. Investment Committee and published by . This book was released on 2001 with total page 42 pages. Available in PDF, EPUB and Kindle. Book excerpt:
An indispensable guide to avoiding the legal and financial pitfalls and of retirement plan investment While it has always been true that a well-staffed and managed investment committee is key to the success of a corporate retirement plan, in today's increasingly complex and litigious world it is also a matter of survival. But what constitutes a prudent investment committee selection and operating process? How should a committee be selected and governed? How much reliance should a committee place on outside consultants? Written by an author with extensive, in-the-trenches experience, this book provides complete answers to these and all vital questions concerning the creation, staffing and management of a highly-adept investment committee, along with expert advice and guidance on serving on an investment committee and ensuring that your 401(K) investment program is sound, efficient and in complete compliance. Offers expert advice and guidance on how to serve successfully on an investment committee, facilitate effective management, design and implement a robust investment policy and much more Packed with sample documents, forms, templates, checklists, diagrams and other valuable, ready-to-use resources Features numerous real-world examples drawn from the author’s years of experience as an accredited investment
Book Synopsis Best Practices for Investment Committees by : Rocco DiBruno
Download or read book Best Practices for Investment Committees written by Rocco DiBruno and published by John Wiley & Sons. This book was released on 2015-12-28 with total page 126 pages. Available in PDF, EPUB and Kindle. Book excerpt: An indispensable guide to avoiding the legal and financial pitfalls and of retirement plan investment While it has always been true that a well-staffed and managed investment committee is key to the success of a corporate retirement plan, in today's increasingly complex and litigious world it is also a matter of survival. But what constitutes a prudent investment committee selection and operating process? How should a committee be selected and governed? How much reliance should a committee place on outside consultants? Written by an author with extensive, in-the-trenches experience, this book provides complete answers to these and all vital questions concerning the creation, staffing and management of a highly-adept investment committee, along with expert advice and guidance on serving on an investment committee and ensuring that your 401(K) investment program is sound, efficient and in complete compliance. Offers expert advice and guidance on how to serve successfully on an investment committee, facilitate effective management, design and implement a robust investment policy and much more Packed with sample documents, forms, templates, checklists, diagrams and other valuable, ready-to-use resources Features numerous real-world examples drawn from the author’s years of experience as an accredited investment
Download or read book Rewarding Retirement written by and published by . This book was released on 2020-09 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Are you a retirement plan fiduciary but unsure of what's required of you? Does it scare you to be held personally liable for bad decisions? Do you have a sneaking suspicion that your plan is paying too much in fees but you're not sure how to find out? Are you worried that your employees won't be able to retire? If the answer to any of these questions is "Yes," this book is for you. "Josh Itzoe has a remarkable capacity for seeing through the maze of regulations surrounding qualified plans to the handful of core ideals by which successful plans must operate. This is a great, understandable guide for plan sponsors." -Pete Swisher, CFP, CPC, Vice President and Senior Institutional Consultant, Unified Trust Company, N.A. and author of "401 (k) Fiduciary Governance: An Advisor's Guide" "Fixing the 401(k) is a bold and excellent work. Josh Itzoe reminds us that excellence is desperately needed within our private retirement system. By following the solid principles shared in this book, Itzoe reveals how any employer, large or small, can build and operate an excellent 401(k). The 401(k) is the mechanism that over fifty million people will rely upon to help their retirement dreams become a reality. This book is the starting point for employers who want to understand how to make their 401(k) truly excellent and help secure the common good of society." -Matthew D. Hutcheson, Congressional Expert and Independent Pension Fiduciary
Book Synopsis Fixing the 401(k) by : Joshua P. Itzoe
Download or read book Fixing the 401(k) written by Joshua P. Itzoe and published by Hillcrest Publishing Group. This book was released on 2008 with total page 174 pages. Available in PDF, EPUB and Kindle. Book excerpt: Are you a retirement plan fiduciary but unsure of what's required of you? Does it scare you to be held personally liable for bad decisions? Do you have a sneaking suspicion that your plan is paying too much in fees but you're not sure how to find out? Are you worried that your employees won't be able to retire? If the answer to any of these questions is "Yes," this book is for you. "Josh Itzoe has a remarkable capacity for seeing through the maze of regulations surrounding qualified plans to the handful of core ideals by which successful plans must operate. This is a great, understandable guide for plan sponsors." -Pete Swisher, CFP, CPC, Vice President and Senior Institutional Consultant, Unified Trust Company, N.A. and author of "401 (k) Fiduciary Governance: An Advisor's Guide" "Fixing the 401(k) is a bold and excellent work. Josh Itzoe reminds us that excellence is desperately needed within our private retirement system. By following the solid principles shared in this book, Itzoe reveals how any employer, large or small, can build and operate an excellent 401(k). The 401(k) is the mechanism that over fifty million people will rely upon to help their retirement dreams become a reality. This book is the starting point for employers who want to understand how to make their 401(k) truly excellent and help secure the common good of society." -Matthew D. Hutcheson, Congressional Expert and Independent Pension Fiduciary
In today's complex, increasingly-litigious world, you must ensure that your 401(K) investment program is sound and efficient. A well managed investment committee is the key to survival and success. Packed with numerous resources and examples, this clear guide will help you avoid legal and financial pitfalls and find answers to critical questions: * What constitutes a prudent committee selection and operating process? * How should a committee be governed? * How much reliance should a committee place on outside consultants? * How should committee members be selected? * How are best practices articulated and implemented? You will learn how to: * Serve successfully on an investment committee * Enable effective management * Implement a robust investment policy An adept 401(K) investment committee helps you identify crucial issues and get the job done right.
Book Synopsis Best Practices for 401(k) Plan Investment Committees by : Rocco Dibruno
Download or read book Best Practices for 401(k) Plan Investment Committees written by Rocco Dibruno and published by Marketplace Books. This book was released on 2006-07 with total page 132 pages. Available in PDF, EPUB and Kindle. Book excerpt: In today's complex, increasingly-litigious world, you must ensure that your 401(K) investment program is sound and efficient. A well managed investment committee is the key to survival and success. Packed with numerous resources and examples, this clear guide will help you avoid legal and financial pitfalls and find answers to critical questions: * What constitutes a prudent committee selection and operating process? * How should a committee be governed? * How much reliance should a committee place on outside consultants? * How should committee members be selected? * How are best practices articulated and implemented? You will learn how to: * Serve successfully on an investment committee * Enable effective management * Implement a robust investment policy An adept 401(K) investment committee helps you identify crucial issues and get the job done right.
American workers increasingly rely on 401(k) plans for their retirement security, and sponsors of 401(k) plans -- typically employers -- have critical obligations under the Employee Retirement Income Security Act of 1974 (ERISA). When acting as fiduciaries, they must act prudently and solely in the interest of plan participants and beneficiaries. This report examined: (1) common 401(k) plan features, which typically have important fiduciary implications, and factors affecting these decisions; (2) challenges sponsors face in fulfilling their fiduciary obligations when overseeing plan operations; and (3) actions labor takes to ensure that sponsors fulfill their fiduciary obligations, and the progress the Dept. of Labor has made on its regulatory initiatives.
Book Synopsis Private Pensions by : Barbara D. Bovbjerg
Download or read book Private Pensions written by Barbara D. Bovbjerg and published by DIANE Publishing. This book was released on 2009 with total page 45 pages. Available in PDF, EPUB and Kindle. Book excerpt: American workers increasingly rely on 401(k) plans for their retirement security, and sponsors of 401(k) plans -- typically employers -- have critical obligations under the Employee Retirement Income Security Act of 1974 (ERISA). When acting as fiduciaries, they must act prudently and solely in the interest of plan participants and beneficiaries. This report examined: (1) common 401(k) plan features, which typically have important fiduciary implications, and factors affecting these decisions; (2) challenges sponsors face in fulfilling their fiduciary obligations when overseeing plan operations; and (3) actions labor takes to ensure that sponsors fulfill their fiduciary obligations, and the progress the Dept. of Labor has made on its regulatory initiatives.
Book Synopsis A Guide to ERISA Fiduciary Responsibilities by : Charles Humphrey,
Download or read book A Guide to ERISA Fiduciary Responsibilities written by Charles Humphrey, and published by . This book was released on 2014-05-14 with total page 166 pages. Available in PDF, EPUB and Kindle. Book excerpt:
In an economy that demands focused attention, 401k plan sponsors must concentrate on their business, not its employee benefits. Ironically, this same economic environment provides an ideal opportunity to create a retirement plan that can best help employees retire in comfort. Companies achieving this ideal will find it easier to hire quality employees. How can 401k plan sponsors balance these two opposing forces? The answer most likely lies not within the walls of the company, but in its ability to outsource certain key fiduciary duties to recognized leaders in the fiduciary service industry. 401(k) Fiduciary Solutions covers all 401k compliance issues in a single reference source. It is written for plan managers, sponsors and others with 401k plan fiduciary responsibilities. Smart plan participants may also find the book a helpful source for advice on how to actively monitor plan performance and regulatory compliance. 401(k) Fiduciary Solutions helps readers: - Learn the 5 areas of fiduciary liability. - See a benchmarking template on how to best measure your plan. - Read what issues experts and industry thought leaders say matter most. - Discover how to avoid hiring vendors with hidden conflicts-of-interest. - Recognize what academic research suggests will help employees making good decisions. - Find out what industry pros are doing to create better 401k plans. - Follow an easy-to-implement approach to develop effective plan education. 401(k) Fiduciary Solutions contains an exhaustive appendix filled with great resources and useful checklists. Here's What Others Are Saying About Christopher Carosa's 401(k) Fiduciary Solutions: "The collection of material Carosa has compiled in 401(k) Fiduciary Solutions is nothing short of extraordinary. He digs deeply into an expansive set of topics to extract the practical insights diligent fiduciaries can use on a daily basis as they work with their retirement plans." - Mike Alfred, Co-Founder & CEO BrightScope, Inc. "Chris provides a treasure trove of practical & invaluable information and insights for plan sponsors and financial advisors to 401K plans. If you wear either of these hats you MUST read this book." - Harold Evensky, CFP, AIF, President, Evensky & Katz "Carosa demonstrates a knack for cutting through the clutter of investment, administrative and regulatory issues plan sponsors face to uncover the essence of what the reader needs to know and points to great resources for more information." - Blaine F. Aikin, CEO, fi360 "What sets this book apart from others I've seen in this space is the thoroughness of Chris's research, the variety of experts interviewed, and the breadth and depth of the topics covered. The book flows seamlessly from expert to expert and topic to topic. If you are a plan sponsor or in any way provide service and advice to plan sponsors this is a must-have book for your library." - Roger Wohlner, Co-founder Retirement Fiduciary Advisors "Provocative yet conversational, Carosa's book will terrify plan fiduciaries before guiding them on a simple path out of the darkness." - Jan Sackley, Fraud Examiner, PI, Fiduciary Consultant Fiduciary Foresight, LLC "Candid and forthright, Mr. Carosa proves he writes what he knows. The pithy and concise narrative translates the technicalities of the 401k fiduciary area into a relatable expertise." - Jenny Ivy, Managing Editor BenefitsPro.com "To craft, as Chris has on a regular basis, information on a complex subject that is readable, timely, and instructive - as well as occasionally controversial - is a rare gift." - Nevin E. Adams, JD Director, Education and External Relations Employee Benefit Research Institute "Carosa's work is highly regarded in the retirement community. His new book should serve as an essential reference for any plan sponsor or advisor who aspires to a higher fiduciary standard." - Kerry Pechter, Editor & publisher Retirement Income Jo
Book Synopsis 401(k) Fiduciary Solutions by : Christopher Carosa
Download or read book 401(k) Fiduciary Solutions written by Christopher Carosa and published by . This book was released on 2012-04-20 with total page 320 pages. Available in PDF, EPUB and Kindle. Book excerpt: In an economy that demands focused attention, 401k plan sponsors must concentrate on their business, not its employee benefits. Ironically, this same economic environment provides an ideal opportunity to create a retirement plan that can best help employees retire in comfort. Companies achieving this ideal will find it easier to hire quality employees. How can 401k plan sponsors balance these two opposing forces? The answer most likely lies not within the walls of the company, but in its ability to outsource certain key fiduciary duties to recognized leaders in the fiduciary service industry. 401(k) Fiduciary Solutions covers all 401k compliance issues in a single reference source. It is written for plan managers, sponsors and others with 401k plan fiduciary responsibilities. Smart plan participants may also find the book a helpful source for advice on how to actively monitor plan performance and regulatory compliance. 401(k) Fiduciary Solutions helps readers: - Learn the 5 areas of fiduciary liability. - See a benchmarking template on how to best measure your plan. - Read what issues experts and industry thought leaders say matter most. - Discover how to avoid hiring vendors with hidden conflicts-of-interest. - Recognize what academic research suggests will help employees making good decisions. - Find out what industry pros are doing to create better 401k plans. - Follow an easy-to-implement approach to develop effective plan education. 401(k) Fiduciary Solutions contains an exhaustive appendix filled with great resources and useful checklists. Here's What Others Are Saying About Christopher Carosa's 401(k) Fiduciary Solutions: "The collection of material Carosa has compiled in 401(k) Fiduciary Solutions is nothing short of extraordinary. He digs deeply into an expansive set of topics to extract the practical insights diligent fiduciaries can use on a daily basis as they work with their retirement plans." - Mike Alfred, Co-Founder & CEO BrightScope, Inc. "Chris provides a treasure trove of practical & invaluable information and insights for plan sponsors and financial advisors to 401K plans. If you wear either of these hats you MUST read this book." - Harold Evensky, CFP, AIF, President, Evensky & Katz "Carosa demonstrates a knack for cutting through the clutter of investment, administrative and regulatory issues plan sponsors face to uncover the essence of what the reader needs to know and points to great resources for more information." - Blaine F. Aikin, CEO, fi360 "What sets this book apart from others I've seen in this space is the thoroughness of Chris's research, the variety of experts interviewed, and the breadth and depth of the topics covered. The book flows seamlessly from expert to expert and topic to topic. If you are a plan sponsor or in any way provide service and advice to plan sponsors this is a must-have book for your library." - Roger Wohlner, Co-founder Retirement Fiduciary Advisors "Provocative yet conversational, Carosa's book will terrify plan fiduciaries before guiding them on a simple path out of the darkness." - Jan Sackley, Fraud Examiner, PI, Fiduciary Consultant Fiduciary Foresight, LLC "Candid and forthright, Mr. Carosa proves he writes what he knows. The pithy and concise narrative translates the technicalities of the 401k fiduciary area into a relatable expertise." - Jenny Ivy, Managing Editor BenefitsPro.com "To craft, as Chris has on a regular basis, information on a complex subject that is readable, timely, and instructive - as well as occasionally controversial - is a rare gift." - Nevin E. Adams, JD Director, Education and External Relations Employee Benefit Research Institute "Carosa's work is highly regarded in the retirement community. His new book should serve as an essential reference for any plan sponsor or advisor who aspires to a higher fiduciary standard." - Kerry Pechter, Editor & publisher Retirement Income Jo
There are around 685,000 private retirement plans in the United States, and the plan committee members (who are fiduciaries), are responsible for over $8.3 trillion of retirement plan assets. For most committee members serving on a plan committee is a new exercise, and one for which they have little experience or training.Undivided Loyalty provides retirement plan committee members with the framework and tools to be an effective member and successfully oversee a retirement plan. It does this by using a governance framework that has proven to improve plan operations and investment results. Each chapter builds on this framework through the use of examples, guides and suggested actions. Its pragmatic approach avoids the technical and complex jargon that surrounds this challenging area. Both new plan committee members learning about plan governance for the first time, and experienced members seeking to improve their performance will find Undivided Loyalty to be an indispensable book.
Book Synopsis Undivided Loyalty by : Charles Yovino
Download or read book Undivided Loyalty written by Charles Yovino and published by . This book was released on 2018-02-20 with total page 338 pages. Available in PDF, EPUB and Kindle. Book excerpt: There are around 685,000 private retirement plans in the United States, and the plan committee members (who are fiduciaries), are responsible for over $8.3 trillion of retirement plan assets. For most committee members serving on a plan committee is a new exercise, and one for which they have little experience or training.Undivided Loyalty provides retirement plan committee members with the framework and tools to be an effective member and successfully oversee a retirement plan. It does this by using a governance framework that has proven to improve plan operations and investment results. Each chapter builds on this framework through the use of examples, guides and suggested actions. Its pragmatic approach avoids the technical and complex jargon that surrounds this challenging area. Both new plan committee members learning about plan governance for the first time, and experienced members seeking to improve their performance will find Undivided Loyalty to be an indispensable book.
