The Retirement Reality May 2013

When: Wednesday, May 8, 2013 at 1:30 pm (eastern time) 10:30 am (pacific time)

Where: Online Session

Gratke Wealth will be presenting at May 8-9 2013 Virtual ConferenceBenefits: Cost Containment, Audits and Legal Risks

Half of Americans do have access to a retirement savings plan at their workplace. For those that do join they tend to save too little and often make unwise investment decisions. The 401(k) arena is in crisis, and workers need sound guidance and help to solve this problem. This presentation will show what sound guidance is needed to help participants make the right choices within their retirement accounts.

We will start by focusing on the problems participants make which include, not saving, not saving enough or making poor investment choices. Once we understand these problems, we can begin to offer solutions to transform employee behavior by creating tools that address these issues and thereby dramatically improve outcomes. The goal is to see that all participants are ‘retirement ready’ and have enough replacement income in retirement by helping them:

•  Save: three steps needed to implement for improved saving and investing for retirement.

•  Save More: ‘retirement income ratio’ what is it, how to calculate it, why it matters

•  Save Smarter:  ‘how much is enough? for retirement, and how measure it, and how to get there.

The retirement replacement income discussion will focus on what it is, how to help employees calculate it based upon their age, personal savings rate, rate of return and participation rate. We will then discuss what steps an employee must take if they are not on track to achieve satisfactory retirement replacement income. Additionally, we will discuss how employee education alone is not enough to move participant behavior in the right direction, and why we must use the tools discussed in this presentation in order to achieve successful retirement outcomes.

Gratke Wealth, LLC is a member of the Retirement Plan Advisory Group, Inc. the largest retirement plan advisory group in the nation with over 25,000 plans and $100 Billion under management.

Presented by | This webinar is free for members

About this Virtual ConferenceBenefits: Benefits: Cost Containment, Audits and Legal Risks Virtual Workshop.

Benefits or employee benefits, in the broadest definition includes all benefits and services, other than wages for time worked, that are provided to employees in whole or in part by their employers. This program will keep you up-to-date on healthcare legislation & compliance (including COBRA, ERISA, HIPAA), FMLA, Medical Benefits, Outsourcing Benefits, Retirement Benefits, Voluntary Benefits and Work-Life Programs (including EAPs).

Do you want that competitive edge in your professional space? Do you want to assert your knowledge of current HR topics, trends within your domain? Why not set yourself apart from your peers and get certified with and the Institutes for Human Resources (IHR).

The Institute for Human Resources (IHR), the certification and accreditation arm of, has a program for you! Many HR professionals have a general HR degree or certification with a wide spectrum of HR functionalities learned. The IHR is the only institute that focuses on niche areas within Human Resources. A specialty certification increases your market value, adds value to your work experience, furthers your knowledge, and recognizes you as an industry leader and/or expert in the field.

Do you want that competitive edge in your professional space? Do you want to assert your knowledge of current HR topics, trends within your domain? Why not set yourself apart from your peers and get certified with and the Institutes for Human Resources (IHR)

  • David Gratke

    David Gratke 

    Mr. Gratke is CEO of Gratke Wealth, LLC 'Life is complicated. Retirement doesn’t have to be' We understand that our clients are busy and don’t have the time to manage their company’s 401(k) plan. We help them put all the pieces in place so their company’s hard earned dollars are optimally at work.

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  • is in business to help build great companies by connecting them with the knowledge and resources they need to effectively manage the people side of business. As the global authority, delivers HR best practices to help organizations build great companies through community, collaboration, research, shared best practices, events and measurements. is the largest global social networking and resource site for HR professionals. 200,000+ members visit us daily to learn, earn credits, attend live webcasts and virtual conferences, network, blog, join a community, and get the ans

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  • Gratke Wealth, LLC is a registered investment adviser in the State of Oregon. The adviser may not transact business in states where it is not appropriately registered, excluded or exempted from registration. Individualized responses to persons that involve either the effecting of transaction in securities, or the rendering of personalized investment advice for compensation, will not be made without registration or exemption.