Resources for Advisors
- AALU Marketplace Report 15-44
The report features different approaches using life insurance for charitable giving.
- AALU Marketplace Report 15-24
Get a complete primer on Crummey Powers and how they fund irrevocable life insurance trusts.
- AALU Marketplace Report 15-12
Get a complete primer on the Transfer for Value Rule and its impact on life insurance and benefits.
- AALU Marketplace 15-08
Learn why death benefit only plans can be an appealing way to attract or retain selected key employees.
- AALU Marketplace 15-07
Learn about the benefits and potential risks of a Spousal Lifetime Access Trust in the latest Washington Report.
- AALU Marketplace 14-39
Learn how to add value to your clients by periodically reviewing the sufficiency of a client’s coverage, identifying opportunities for exchanges to acquire better or more cost-effective insurance products, and understanding the technical nuances of exchange implementation in order to effect a compliant 1035 exchange.
- AALU WRMarketplace 14-36
The effective termination of a defined contribution plan requires the plan fiduciary to timely distribute ALL plan assets, which can be complicated if certain participants cannot be located. Due to changes in available search vehicles and Internet-based search tools, the DOL has updated its guidance on discharging fiduciary responsibilities to participants who cannot be located upon termination and distribution of such a plan.
- AALU WRMarketplace 14-15
Easily over-looked trouble spots in split-dollar life insurance arrangements and suggestions for how to avoid them.
- AALU WRMarketplace 14-26
The requirements for obtaining ERISA exemption for a 403(b) plan and similarities and differences in the rules governing the tax-qualification requirements applicable to both plans.
- AALU WRMarketplace 14-30
Internal Revenue Code §457 imposes special rules for non-qualified arrangements maintained by tax-exempt employers. As a result, the employee of a tax-exempt employer may be able to defer less compensation than an employee of a taxable employer for the same period or may be taxed on previously deferred amounts at a time earlier than that applicable under a taxable employer’s plan.
- AALU WRMarketplace 14-19
Settlors of discretionary trusts can provide vital guidance to trustees in the exercise of their discretionary powers through the use of non-binding (i.e., precatory) language in the trust agreement or the provision of a separate "letter of wishes."
- AALU WRMarketplace 14-04
Make qualifying gifts to trusts, with beneficiaries interests, (Tax exclusions) within compliance regulations.
- AALU Report 13-27
Life Insurance contracts from non- qualified trusts are valued, therefore surrendering potential charges.
- AALU Report 13-19
Life Insurance contracts from non- qualified trusts are valued, therefore surrendering potential charges.
- AALU Report 13-17
Target Date Retirement Funds (TDF’s) is a popular investment choice for 401(k) plans. Getting the right investment strategy is essential.
- AALU Report 13-12
Maximizing benefits to your heirs trust, by investing in the right insurance policy.
Resources for Employers
- Retirement Newsletter June 2015
In this issue of the Retirement Report you will find: The Most Important Assumption Regarding Target-Date Funds Current Stresses Eclipse Retirement Planning for Working Millennials Best Practices in Hardship Distributions Company Stock and Fiduciary Considerations
- Retirement Newsletter May 2015
In this issue of the Retirement Report you will find: Active Managers Can Add Value Women: Financially Stressed but Open to Solutions But He's My Brother-in-Law! Socially Responsible Funds - Think Green? No. Think Red!
- Retirement Newsletter April 2015
In this issue of our Retirement Report you will find: 2016 Budget Proposals Support Retirement Goals Timing is Everything Content and Frequency of Retirement Committee Meetings Are you ready for an Audit?
- Retirement Newsletter February 2015
In this issue of our Retirement Report you will find: Is the Oil Price Decline Beneficial to the U.S. Economy? The Hopes, Fears and Reality of Retirement Preparing for a Partial Plan Termination Employee Communication Strategies for All Seasons
- Retirement Newsletter January 2015
In this issue of our Retirement Report you will find: Qualified Plan Governance: Is Your Fiduciary House in Order? Top Five New Year's Resolutions for Retirement Plan Fiduciaries Solutions for a Stressed-Out Nation Improper Handling of Hardship Distributions May Result in Significant Problems
- Retirement Newsletter December 2014
In this issue of our Retirement Report you will find: Weathering All Market Conditions What To Expect When Transitioning Providers Index Funds: More Than Meets the Eye
- Retirement Newsletter November 2014
In this issue of our Retirement Report you will find: Case Study: Automatic Enrollment Revisited Pension Protection Act of 2006 Restatements Despite Noise, Macro Factors Will Drive Fixed Income Markets Common Misconceptions
- Retirement Newsletter October 2014
In this issue of our Retirement Report you find: The Fed Steps Back - Will Active Equity Funds Step Up? Ten Years Later: Scorecard Retrospective Allowable Plan Expenses: Can the Plan Pay? ERISA Fidelity Bond Versus Fiduciary Liability Insurance
- Retirement Newsletter September 2014
In this issue of our Retirement Report you find: Index Funds - More Than Meets the Eye Enter the Dragon Fiduciary Training Are Your Written QDRO Procedures in Place? Communication Corner: Are You on Track to Enjoy Life Post-employment?
- Retirement Newsletter August 2014
In this issue of our Retirement Report you find: What to Expect When Transitioning Providers The Future of Retirement Plans ERISA 3(21) vs. 3(38) Fiduciary A Quick Look at Gap Analysis Communication Corner: Save Early, Reach Your Goal Visit our website at sapers-wallack.com/retirement to learn more about our offers for plan sponsors and individuals and connect with us on our "Team" page.
- Retirement Newsletter July 2014
The determination of reasonableness of fees has always been a core fiduciary function for ERISA plan sponsors. ERISA Section 408(b)(2) regulations increased scrutiny on this responsibility. The Department of Labor (DOL) has taken this step to solidify specific requirements for plan sponsors and service providers, regarding communication of fee information.
- Retirement Newsletter June 2014
In today’s market environment, many people are asking themselves “Where can I find opportunity in fixed income?” It is a fair question, as rising rates will inevitably hurt the performance of most fixed income sectors In this issue, we'll look at finding opportunity in fixed income. Participants have been riding a massive wave of decreasing rates and have become accustomed to 8 percent annual rates of return to their retirement plans from their core fixed income fund. Since those days are likely over, where do you go from here?
- Retirement Newsletter May 2014
In this issue of our Retirement Report you find information about the 3(16) ERISA Fiduciary Definition, the Power of Peer Influence: From Inertia to Action, Pass or Fail? Corrective Actions to Remedy Your Test Results, Going the Extra Mile: A Deeper Look at the Scorecard, and Communication Corner: Explore Your Options.
- Retirement Newsletter April 2014
In this issue of our Retirement Report you will find thoughts on the investment policy statement review, DC plan participant perspectives on risk, the six categories of fiduciaries and a comment about what constitutes proper documentation of retirement plan committee meetings.
- Retirement Newsletter March 2014
This issue covers three recommended index funds, benefits for qualitative mutual funds, safe options for retirement plans and an explanation of Summary Plan Description (SPD).
- Retirement Newsletter February 2014
This issue covers Guaranteed Minimum Withdrawal Benefits for retirement, Specialty Asset retirement insights, fee method overview, and comments on revenue sharing.
- Retirement Newsletter January 2014
This issue covers match and plan eligibility, definition of “float”, and a memo about the “retirement crisis”
- Retirement Newsletter December 2013
This issue covers fixed income investing during rising rates in the economy, information about sable value products, and answers to ERISA audits.
- Retirement Newsletter November 2013
This issue covers, EBRI Annual Retirement Confidence Survey results, traded funds in retirement plans with detailed information, up to date fiduciary regulations, and personal record keeping.
- Retirement Newsletter October 2013
This issue covers pros and cons of taking out retirement loans, information of plan eligibility, Health Care review and information on retirement plans, talks about exclusion of part timers from the 401(k) plan.
- Retirement Newsletter September 2013
This issue covers the recent DOMA decision, Specialty Funds and their implications on retirement plans.
- The Affordable Care Act (ACA) and Obamacare - what employers need to know
What you need to know it and be compliant. Experts, Janice Belmonte and Paula Drozdal Connors, present helpful insights.
Resources for Individuals
- Brexit: Britain Votes Leave
- Market Commentary: June 2016
- Sapers & Wallack eMoney Client Portal
- eMoney Vault Checklist
eMoney Vault Checklist
- Q1 Economic Recap 2016
- A Market Commentary March 2016: Presidential Elections and the Stock Market
- Market Commentary January 2016: New Year - Off to a Rocky Start
Market Commentary January 2016: Off to a Rocky Start
- Economic Outlook Q4 2015
SEI Summary of Q4 Economic Outlook and Looking Ahead to 2016
- Market Commentary: December 2015 - We have Lift-off
SEI Gives a concise breakdown of the Federal Funds Rate increase timeline.
- Investment Fundamentals: Federal Funds Rate December, 2015
Concise Overview of Federal Fund's Rate
- Life Insurance Basics
A handy report about basics and differences between various life insurance product options.
- State Minimum Assets Chart for Nursing-Home Residents
- LTC: Tools & Calculators to Identify Financial Exposure
- The Eldercare Dictionary
A comprehensive dictionary which explains all of the specific terms used in eldercare.
- Long Term Care Planning Options
Chart with an overview of LTC alternatives.
- Today's Long-term Care Coverage: Understanding the Fine Print
A concise guide from NFP to understand the fine print of LTC insurance contracts.
- A shoppers guide to LTC Insurance (NAIC)
This guide answers many LTC insurance questions and provides worksheets and a glossary.
- Market Commentary Q3 2015
The progression of monetary policy during the third quarter was influenced by capital- and commodity-market volatility, originating with China’s domestically-focused mainland exchanges. Learn more about this and other topics in our quarterly marketing commentary
- Market Commentary July 2015: China
- Market Outlook Q2 2015
A review of and economic outlook for Q2 of 2015.
- Market Outlook Q1 2015
In this month's Q1 Economic Outlook you will find: The U.S. bull market appears to be intact and and any correlation associated with the start of an interest-rate up-cycle is expected to be limited. The European Central Bank's sovereign bond purchasing program is a much larger initiative in terms of net new supply than programs put in place by other central banks since the crisis. Nearly $1.5 trillion of European bonds are trading with a negative yield-to-maturity. In Germany, negative yields extend out to seven years.
- Market Commentary Q4 2014
In this month's Market Commentary you will find: Major central banks made a series of significant policy shifts and moved to provide clarity on future changes. Equity and fixed-income performance varied widely across sectors and currencies. Weak energy prices functioned as a differentiating factor within asset classes. Despite recent volatility, we remain optimistic regarding equity markets. Regions that have lagged the U.S. in recent years could begin to catch-up, assuming economic growth gains traction.
- Medicare Support Service
Sapers & Wallack is offering a new service to our clients and their employees
- U.S. Government Resources for Social Security and Medicare
U.S. Government Resources for Social Security and Medicare Websites to use for everything social security and MediCare related.