The longest bull market in history continues to run through Q3.  Investors remain focused on three key areas: trade conflict, slowing global economic growth and the Federal Reserve monetary policy. Under the successive leadership of three chairs, the Fed has fostered the longest economic expansion in U.S. history. Read the Q3 Market Recap to learn more about the recent history of bull markets, as well as the Q3 market drivers. Also included is an overview of key year-end notices plan sponsors may need to provide to employees according to IRS and DOL regulations. If you have any questions, or would like to begin talking to a retirement plan advisor, please get in touch by  email  or by calling (800) 388-1963.

The longest bull market in history continues to run through Q3.  Investors remain focused on three key areas: trade conflict, slowing global economic growth and the Federal Reserve monetary policy. Under the successive leadership of three chairs, the Fed has fostered the longest economic expansion in U.S. history. Read the Q3 Market Recap to learn more about the recent history of bull markets, as well as the Q3 market drivers. Also included is an overview of key year-end notices plan sponsors may need to provide to employees according to IRS and DOL regulations. If you have any questions, or would like to begin talking to a retirement plan advisor, please get in touch by  email  or by calling (800) 388-1963.

As we enter the fourth quarter of 2019, it’s important for sponsors of calendar year retirement plans to be mindful of certain required participant notices. Sponsors of qualified retirement plans, such as 401(k) or 403(b) plans, may need to provide several of these notices per various Internal Revenue Service and Department of Labor regulations. Notice Purpose Audience General Deadline Deadline for Calendar Year Plans Qualified Default Investment Alternative Informs of the plan’s default investment in the event the participant does not make an investment election.  Helps maintain 404(c) protection. Active eligibles and terminated participants At least 30 days ahead of plan year Dec. 2 Automatic Contribution Arrangement Informs of the plan's feature to automatically enroll participants to a default savings rate in the plan and the potential “refundability” of deferrals. Active eligibles 30 to 90 days ahead of plan year Dec. 2 Safe Harbor ...

As we enter the fourth quarter of 2019, it’s important for sponsors of calendar year retirement plans to be mindful of certain required participant notices. Sponsors of qualified retirement plans, such as 401(k) or 403(b) plans, may need to provide several of these notices per various Internal Revenue Service and Department of Labor regulations. Notice Purpose Audience General Deadline Deadline for Calendar Year Plans Qualified Default Investment Alternative Informs of the plan’s default investment in the event the participant does not make an investment election.  Helps maintain 404(c) protection. Active eligibles and terminated participants At least 30 days ahead of plan year Dec. 2 Automatic Contribution Arrangement Informs of the plan's feature to automatically enroll participants to a default savings rate in the plan and the potential “refundability” of deferrals. Active eligibles 30 to 90 days ahead of plan year Dec. 2 Safe Harbor ...