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Thin(k) About Your 401(k) Plan: Should Bitcoin Be Offered In My 401(K) Plan?

In my last post, I concluded that I do not think Bitcoin is appropriate for 401 (k) plans at this time.  Today, I will share some key risks associated with Bitcoin along with a few current, compelling arguments in favor of including it…
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Thin(k) About Your 401(k) Plan: What Is Bitcoin and How Does It Work?

I have to admit, I may have been bitten by the Bitcoin bug.  To be clear, I have not invested in Bitcoin because I am unconvinced the words invest and Bitcoin should be used in the same sentence, yet.  However, my recent readings on the…
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Thoughts in Charts: Retirement Ready vs Debt Free

This week’s chart illustrates why I encourage people to consider their retirement savings with the same weight as they consider aggressively paying off debt. The idea of living debt free is so catchy and liberating, but what if it’s…
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Thin(k) About Your 401(k) Plan: In-Plan Roth Conversion

The Small Business Jobs Act of 2010 modified by The American Taxpayer Relief Act of 2012 gave retirement plan sponsors the ability to offer in-plan Roth conversions.  Additionally, plans that don’t currently offer the provision can add…
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Thin(k) About Your 401(k) Plan: What A Great Benefit!

It’s unsurprising that American workers love their retirement plans and don’t want them to change. The Investment Company Institute’s (ICI) recent research report, “American Views on Defined Contribution Plan Saving, 2020” confirms…
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Thin(k) About Your 401(k) Plan: ESG Investing in Your 401(k) Account

It’s no surprise that with the change of presidential administrations that we would see regulations changing. Late in the Trump Administration there were two regulations that particularly affected ESG (environmental, social and governance)…
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Thin(k) About Your 401(k) Plan: Cycle 3 Plan Restatement Requirement

  Thin(k) About Your 401(k) Plan   Cycle 3 Plan Restatement Requirement     Have you ever received an email that seems frighteningly relevant, but you have no idea what it’s about?  Some of my clients have…
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Three Key Risks of Retirement

Ready for Retirement? As Boomers get older, we can expect that the number of retirees will grow each year.  After all, the oldest member of this generation is now 74 while the youngest is 56.  If we look at the statistics of Pew Research…
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Thin(k) About Your 401(k) Plan: Reflections on 10 Years as An Advisor – Part 3

It’s probably not surprising that investment strategies are unique just like people. Each investment client is different in what motivates him or her to invest or how he or she feels about risk.  As a result, advisors use both science…
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Thin(k) About Your 401(k) Plan: Reflections on 10 Years as An Advisor – Part 2

As I continue looking back over the last 10 years as an advisor at ThirtyNorth Investments, I realize that 2020 reflects a critical early lesson about discipline I like to share with clients and prospects. Recent conversations brought clarity…