tags archives: 401k-2

  bigstock_Retirement_149256 2
 

Know What You’ll Look Like in 30 Years — Maybe Then You’ll Max Out Your 401(k)

  • Written by David
  • December 6, 2012 at 6:30 pm
  • 0

This topic is one I discussed in a recent HR.com webinar ‘Save More Tomorrow’ which is the work of Dr. Shlomo Benartzi. The article from the link below discusses the behavioral finance issues around getting individuals to identify with themselves in the future; in this case,  saving for retirement inside of a 401(k) plan. http://www.wired.com/business/2012/12/retirement-magic-mirror/ [...]

Continue reading 

 

  Fiscal Cliff
 

Surviving the Fiscal Cliff

  • Written by David
  • November 30, 2012 at 4:21 pm
  • 0

It pays to be ready for a plunge off the fiscal cliff and back into economic hard times. The news is full of baleful talk about the fiscal cliff, a combination of tax increases and spending cuts that hit Jan. 1 unless a divided Congress acts. We keep hearing that lawmakers will resolve this dire [...]

Continue reading 

 

Save More Tomorrow: Practical Behavioral Finance Solutions to Improve 401(k) Plans Webinar

  • Written by David
  • October 11, 2012 at 11:30 pm
  • 0

For Immediate Release David Gratke, CEO Gratke Wealth, LLC 888-970-8987 planwell@gratkewealth.com Gratkewealth.com Portland, OR, October 12 2012 – Gratke Wealth will be presenting at HR.com November 7-8 Virtual Conference,  Benefits: Cost Containment, Audits and Execution Virtual Workshop. Save More Tomorrow: Practical Behavioral Finance Solutions to Improve 401(k) Plans Webinar Half of Americans do have access [...]

Continue reading 

 

  resizeSheet-1971619
 

401(k) Fee Disclosure; Develop a Communication Strategy

  • Written by David
  • July 31, 2012 at 7:08 pm
  • 1

RE: 404(a)(5) Fee Disclosure for 401(k) Plans; including Self-Directed Brokerage Accounts Are you an employer that offers participants the use of a self-directed brokerage account (SDBA) inside of your 401k plan? If so, note that you must disclose those fees to participants via Department of Labor’s ruling on 404(a)(5). The first date of disclosure is [...]

Continue reading 

 

  resizeSheet-1971619
 

No Jargon, Please: Think 401(k) Investors Know What ‘Fund’ Means? Think Again

  • Written by David
  • July 24, 2012 at 6:37 pm
  • 0

source: http://www.advisorone.com/ All too often our respective industries get caught up in its own jargon. This article illuminates the subject too painfully well with respect to retirement plans. Along with behavioral finance (the study of our investment decisions), one can see why the investment arena is a mystery to many.. excerpts from the article below. [...]

Continue reading 

 

  Gratke Wealth | Investment v.s. Investor Return
 

Your Final Answer; DoL Issues Final Rule on 401(k) Fee Disclosure

  • Written by David
  • February 3, 2012 at 4:00 pm
  • 0

Source: Plan Adviser Magazine   Feb 02, 2012 — The U.S. Department of Labor’s (DoL) Employee Benefits Security Administration (EBSA) issued a final rule on 408(b)(2) fee disclosure Thursday. — The DoL also announced a three-month extension to the rule’s effective date, meaning service providers must be in compliance by July 1, 2012 for new [...]

Continue reading 

 

  bigstock_Screaming_woman_reading_a_news_13214576resized
 

Investors Will Scream When They See 401(k) Fees

  • Written by David
  • December 15, 2011 at 5:48 am
  • 0

I was recently on a national conference call (hosted by Plan Sponsor Magazine) discussing the 2012 401k fee disclosure legislation, and one of the presenters from Lincoln Financial Group spoke candidly about focus groups they had conducted on this subject. The focus group reactions were startling regarding 401k fee discovery by participants. This bluntness begs [...]

Continue reading 

 

  DOLRegsresize
 

New U.S. Department of Labor Retirement Plan Disclosure Regulations

  • Written by David
  • November 18, 2011 at 6:32 pm
  • 0

Source: RidgeWorth Investments The new regulations under the Employee Retirement Income Security Act of 1974 (ERISA), Section 408(b)(2), and ERISA, Section 404(a)(5) make significant changes to the required disclosures to be made to both plan sponsors and plan participants and require all plan service providers to furnish more information about their services, expenses and fees. [...]

Continue reading 

 

  sketches4website-Gratke-642
 

Thanks but No Thanks on 401(k) Advice

  • Written by David
  • November 8, 2011 at 1:32 am
  • 0

Source: WSJ: November 7, 2011 An increasing number of plans offer outside help, typically for a fee. So far, most participants aren’t buying in. Amid volatile markets and concerns about how workers are investing their retirement savings, more 401(k) plans are offering participants specific investment advice and even automatic account management to make investing decisions [...]

Continue reading 

  • 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.