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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…
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Thin(k) About Your 401(k) Plan: Reflections on 10 Years as An Advisor – Part 1

I just celebrated 10 years as an advisor at ThirtyNorth Investments. The cliché holds that time flies when you are having fun.  I remember the day when my partner, Suzanne, and I met, and I learned about the Registered Investment Advisor…
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Thin(k) About Your 401(k) Plan: SECURE Act – Treatment of Part-Time Employees

I know it seems a long time ago, but at the end of 2019, Congress passed the Setting Every Community Up for Retirement Enhancement (SECURE) Act.  The Act had a number of provisions, but I want to focus on the one aimed at part-time employees. …
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Thin(k) About Your 401(k) Plan: Long-Term Investing – Election Year Volatility

I can hardly help allowing the uncertainty that comes during a Presidential election year from creeping into my investor mindset.  I know many factoids about the market performance every four years when we elect a President.  Volatility is…
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Thin(k) About Your 401(k): Plan Plan Fees: The Three Rs – They Are Real And Must Be Reviewed And Deemed Reasonable

' I know something’s wrong when a business owner / plan sponsor tells me that they don’t pay any fees for their 401(k) plan.  I can’t think of a case where this could be true.  The plan sponsor might not be writing a check for services,…
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Thin(k) About Your 403(b) Plan: Catch-Up Contributions – A 403(b) Plan’s Special Extra

We talk a lot about 401(k) plans, but many nonprofit organizations including churches, non-profit hospitals and public-school systems use the 403(b) as a qualified retirement plan for employees.  And, like the 401(k), you can “catch-up”…