Since inception, BenefitGuard’s mission has been to help solve America’s retirement problem. We’ve attempted to do this by creating a high-service, low-cost, and conflict-free 401(k) offering for businesses of all sizes. While we have seen great success with this solution, the retirement problem goes beyond 401(k)s and investment vehicles. Put simply, Americans aren’t saving nearly […]

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[A version of this article first appeared on FiduciaryNews.com. Once logged in to that site, you can view it here.]   Whether you are a plan sponsor or the participant who is saving for retirement, you are likely to have a question or two when it comes to 401(k) plans. Here are a few of […]

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The holiday season is a wonderful time to spend with family and friends. The spirit of giving that surrounds the holidays can serve to strengthen these relationships and bring people closer. Unfortunately, this same spirit of generosity can bring with it the temptation to spend more than you’re comfortably able. If you find yourself wanting […]

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BenefitGuard’s core mission is to provide a solution to the retirement problem in the United States.  Through our unique 401(k) offering, we provide the means to resolve certain key factors contributing to the epidemic shortfall in retirement savings; however, there remain a variety of financial decisions outside of direct retirement savings, which affect not only […]

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401(k) plans can be complex due to the number of service providers required to make a plan run. This typically includes your Recordkeeper, TPA, Custodian, Advisor, Broker, Auditor, and Plan Fiduciaries.  After outlining the roles of these service providers in a previous article, we had a few clients request a breakdown more specifically on plan […]

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There are over 600,000 registered investment representatives in the United States that work out of over 30,000 advisory firms. Not all of those advisors work with 401(k) plans. There are many advisors that advise on 401(k) assets on an individual basis without being the named advisor for the plan. A plan advisor would generally have […]

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Since the inception of index tracking, or passively managed funds, the question has been, which is a better approach for investing over the long haul – actively managed, or passively managed? While the question would most definitely spark debate in a room full of investment managers and financial gurus, the numbers speak for themselves.   […]

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Recently while browsing the internet for news about the stock market, I came across an article that asked the question, “Is your 401(k) foolish?” Although at first glance I laughed, it made me think about how true this statement actually is. For most, a 401(k) plan is the main vehicle for saving retirement and one […]

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