RPS Retirement Plan Advisors

Worth Magazine Articles

The Department of Labor's (DOL) new fiduciary rule will begin phasing in on April 10, and going into full effect on January 1, 2018 (assuming no delays from the new presidential administration). The DOL's purpose for the new rule is to ensure that people saving for retirement have access to unbiased investment advice. Learn what questions to ask about this rule as a business owner before it goes into effect.

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Learn how features such as automatic enrollment, escalation and diversification can improve the 401(k) plan of your company.

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What if you found out that some participants in your company’s 401(k) plan were not paying their fair share of plan expenses? Would that surprise you? Unfortunately, that scenario is all too common, and it is also one that could put your plan at risk.

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If you are involved in the administration of a retirement plan at your company, you might be held personally liable for fiduciary breaches within the plan. To avoid fines, penalties and judgments, fiduciaries to these popular employee benefits must be vigilant about following complex laws and regulations.

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Target date funds (TDFs) can simplify and improve a 401(k) plan, but TDFs do have some disadvantages. Learn how to maximize a 401(k) plan's success using TDFs in conjuction with a fiduciary advisor.

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A comfortable retirement is the goal of every worker. But if employees—and their current employers—do not take steps now, we could be facing a national crisis. The looming problem? The average retiree is unlikely to be able to sustain his or her desired lifestyle throughout retirement.

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The wait for 408(b)(2) is over. This new Department of Labor regulation now requires disclosure of all 401(k) plan fees. How will you handle employee reaction to this new disclosure and use it increase enthusiasm for this valuable workplace benefit?

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