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Ideas & Insights

 



Monthly Market Commentary

Markets Unphased by October Frights

Equity markets rebounded to all-time highs; Treasury yields trended higher, which led to declines across fixed income asset classes.




Article

What’s going on with energy prices?

As economies continue to emerge from COVID-19-induced lockdowns, demand has rebounded more than expected, helping fuel the recent rally.

  • Vasko, CFA, Derek
  • |



Article

What’s going on with China Evergrande Group?

Investors question whether the potential collapse of China’s heavily-indebted real estate developer is China’s “Lehman Brothers moment.”

  • Vasko, CFA, Derek
  • |




Article

Are U.S. stocks too expensive?

The S&P 500 Index is sharply higher this year, having posted seven consecutive monthly gains through August while notching 53 record highs.

  • Vasko, CFA, Derek
  • |


Insight Article

What’s driving the Value/Growth dynamic?

Value stocks’ performance this year relative to their Growth counterparts relates to telling dynamics influencing interest rates.

  • Vasko, CFA, Derek
  • |


Monthly Market Commentary

Markets Moved Higher Despite Peak Concerns

July was, on balance, a good month for investors. Many broad market indexes across equity and fixed income posted positive returns.

  • Lamoutte, CFA, Keith
  • |

Insight Article

This hasn’t happened since the Taper Tantrum

Investor sentiment is waning according to one popular gauge, and it just did something that hasn’t happened since the Taper Tantrum in 2013.

  • Vasko, CFA, Derek
  • |


White Paper

2021 Mid-Year Outlook

Economic momentum underpins positive global equity returns causing gyrations in interest rates, hampering fixed income returns.



Insight Article

Long-term rates are falling again

Yields on longer-term Treasuries have recently retreated. We examined several key factors behind the moves and what to watch going forward.

  • Vasko, CFA, Derek
  • |


Insight Article

Missing participants in a retirement plan

A retirement plan is required to maintain contact information for participants and beneficiaries who are owed a benefit under the plan.

  • Andrioff, Joni
  • |

Insight Article

Tax aware investing

Proposed changes to capital gains tax rates, review of benefit and considerations for systematic Tax Loss Harvesting and more.

  • Lamoutte, CFA, Keith
  • |



Insight Article

Retirement Report: Third Quarter 2021

In this issue of the Retirement Advisory Report, we discuss 2021 updates to regulations that may affect you and your retirement plan.




Insight Article

Inflation is back: Is it here to stay?

Recent economic data has stoked inflation fears. The question is whether these signs of upward price pressure are cyclical or structural.

  • Lamoutte, CFA, Keith
  • |











Insight Article

2021 Saver’s Credit

Individuals may be eligible for a valuable incentive to reduce federal income tax liability for contributing to a 401(k) plan.


Monthly Market Commentary

Optimism abounds

While we are constructive on near-term markets, we will focus on the rebound in business activity following progress with the vaccine.


White Paper

2021 outlook: Poised for growth

While global economic activity increased in late 2020, the pace of recovery may be poised to moderate sequentially.


Insight Article

Understanding revenue sharing

Learn the importance of discussing with a plan advisor how best to customize plan fees based on circumstance and available options.


Insight Article

Plan documents: Save or purge?

What many ERISA plan sponsors consider “reasonable” fiduciary responsibility for plan document retention may not comply with IRS rules.


Insight Article

Cybersecurity issues for plan sponsors

The Department of Labor is working on guidance addressing cybersecurity issues as they relate to plan sponsors and third-party providers.





Insight Article

Retirement Report: First Quarter 2021

In this issue, we discuss how to best handle 2021 after a tumultuous 2020. Other topics include labor and workforce, human capital and more.


Monthly Market Commentary

A “Glass Half Full” Market

November displayed the forward-looking nature of markets as global equities reacted positively that a vaccine may be distributed in 2021.



Insight Article

Exploring big tech market leadership

Market dominance by a narrow number of stocks has tempted investors to abandon diversification which is not the best long term strategy.





Monthly Market Commentary

Tech tumbled, ended risk asset rally

U.S. dollar strengthened in September as the existing monetary stimulus wane and expectations for fiscal stimulus before the election fade.



Monthly Market Commentary

Rally continued, but pace slowed

Sustained upside inflation risks remain low despite recent stimulus measures, but inflation dynamics are fluid.























Insight Article

Retirement Report: Second Quarter 2020

In this issue of Retirement Report we discuss several areas that influence plan sponsors and fiduciaries of defined contribution plans.



Monthly Market Commentary

What has happened in municipal bond markets

While volatility remains, we think the actions of the Fed and policymakers will eventually help to stabilize markets and restore liquidity.

  • Lamoutte, CFA, Keith
  • |



Weekly Market Commentary

Coronavirus fears drive markets lower

Is the coronavirus the only factor driving recent market volatility? RSM US Wealth Management discuss the elevated market uncertainty.

  • Lamoutte, CFA, Keith
  • |



Monthly Market Commentary

2020 outlook: What could possibly go wrong?

Investors are now asking what, if anything, will derail markets from moving higher. Will a reversal in 2020 mean we’re back to the races?


Insight Article

Retirement Report: First Quarter 2020

In this issue, we discuss the Setting Every Community Up for Retirement Enhancement Act (SECURE Act) potential effect on plan sponsors.



Tax Alert

SECURE Act impacts employer plans

The SECURE Act makes changes affecting retirement benefits in qualified plans and in IRAs for both the employers and individuals.

  • Andrioff, Joni
  • |








Monthly Market Commentary

Recession risk and strategic asset allocation

It is important for investors to focus on long-term strategic asset allocation in the face of short-term economic headwinds.

  • Lamoutte, CFA, Keith
  • |

Insight Article

Retirement Report: Fourth Quarter 2019

In this issue: IRS guidance on uncashed retirement distribution checks and reasons to integrate HSAs into your company's retirement plan.



Monthly Market Commentary

Inverted yield curves: What the headlines miss

Recent investor headlines have focused heavily on the inversion of the U.S. yield curve. What’s the real story for investors?

  • Lamoutte, CFA, Keith
  • |


Insight Article

What is a new comparability plan?

A new comparability plan is a qualified defined contribution profit-sharing plan that’s age weighted and common among small businesses.

  • Chiodo, Mary
  • |


Monthly Market Commentary

U.S. equities rebound in June

U.S. equities rebound to a record high in June. The advance was fueled in part by investors’ expectations of an interest rate cut.







Recorded Webcast

The evolution of retirement plans

Learn about the latest investing trends, the rationale behind them and best practices to building an investment menu for your employees.









Monthly Market Commentary

Fed ends rate hike campaign

Federal Reserve officials left the federal funds rate unchanged at their January meeting to a range of 2.25 to 2.50 percent.




Insight Article

Aperio equity sale: What does it mean?

Aperio Group, LLC recently announced that Golden Gate Capital plans to acquire an 85 percent majority equity stake in the firm. Learn more.


Recorded Webcast

Retirement plan self-checkup

Insights on the latest plan options and how to evaluate and ensure you are getting the most out of your retirement plan.

  • Carroll, Eric
  • |











Video

Indemnify fiduciaries

This video clip examines the personal liability retirement plan fiduciaries assume and why plan sponsors should indemnify them.


Video

Conduct fiduciary education

This video clip examines the importance of fiduciary education and resources that can be utilized for training and education programs.


Video

Hire an independent consultant

This video clip examines why hiring an entity to handle retirement plan fiduciary responsibilities can reduce liability.



Video

Implement prudent procedures

This video clip examines how ERISA defines prudence, the procedural prudence process and the importance of implementation.


Video

Know if you are a fiduciary

This video clip examines what a plan fiduciary is, how to limit fiduciary liability; and proposed DOL fiduciary rules.


Video

Understand your fees

This video clip examines participant fee disclosures, fee levelization and the importance of understanding your plan's cost.


Video

Conduct self-audits

This video clip examines the importance of conducting self-audits to make sure your plan is being administered in accordance of ERISA.


Video

Comply with ERISA 404(c)

This video clip examines protections provided by ERISA 404(c), eligibility rules and the importance of complying with them.












Tax Blog

Pension maximization (or "pension max")

Pension max is often offered to individuals as a way for couples to more affordably manage life insurance expense. But as with many financial ...





Tax Alert

Proceed with caution in self-directed IRAs

Two tax court cases remind individuals to be careful in the management of their self-directed individual retirement accounts (IRAs).

  • Bushman, Anne
  • |





Insight Article

Do I owe US tax on my foreign pension plan?

Determining U.S. reporting and tax obligations resulting from an individual’s foreign pension plans differs by plan and may be challenging.

  • Kowalska, Patrycja
  • |










Fiduciary Responsibility

The decisions and responsibilities of administrating your company’s employee retirement plan are significant – and many times challenging.



Fiduciary report card

Our retirement plan service model is a process designed to help you see all aspects of your retirement plan with a consistent lens.