ERISA Fiduciary Duty: Who is minding your retirement plan?

By |2022-08-31T13:47:51-07:00August 31st, 2022|Blog, Fiduciary, Institutional|

Many fiduciaries are clear that a fiduciary duty is the highest standard of care under the law. Fiduciaries to an Employee Retirement Income Security Act (ERISA) qualified plan are legally obligated to put the participants' interests ahead of their own when making decisions about the plan. After the rise and fall of the Department [Read More]

Q2 2022 Quarterly Context Video

By |2022-08-03T21:07:09-07:00July 25th, 2022|Blog, Fiduciary, Financial planning tips and perspectives, General thoughts, In the news, Institutional, Investment Management, Investor behavior, Lifestyle, Personal Wealth, Quarterly thoughts, Uncategorized|

Inflation remains high, rates are up, stock and bond markets are down, and recession worries are increasing. However there are some positive signs, and medium-long-term returns remain strong. How did we get here and what’s next? We’ll also cover the important difference between investing and speculating, and how understanding a buyer’s strike can improve [Read More]

Endowment funds 101: What is an endowment fund, UPMIFA, spending policy and more

By |2022-07-16T17:55:07-07:00June 5th, 2022|Blog, Fiduciary, Institutional|

Answers to common endowment questions Endowments are a powerful tool for non-profits, donors and fundraisers to magnify their social impact. Even experienced endowment fiduciaries and fundraisers often benefit from improving their understanding about what endowments are and are not, how to guide donors around unintended consequences, and how to frame a win-win-win value proposition [Read More]

Inflation and your investments

By |2022-04-07T14:33:09-07:00June 20th, 2021|Blog, Financial planning tips and perspectives, In the news, Institutional, Personal Wealth, Staying the course|

There has been a lot of talk lately about inflation, in great part because inflation has been so low for so long, but recently had a small spike. Unfortunately, when inflation is low, investors tend to forget it is a “sleeper risk,” gradually eroding their purchasing power and lowering after-inflation returns. Below are thoughts [Read More]

Mutual fund proxy voting: what it is, what’s new, and who votes

By |2022-04-09T09:50:20-07:00March 8th, 2021|Blog, Fiduciary, Institutional, Personal Wealth|

Mutual fund proxy voting may be one of the least scintillating topics we write about here at The Advisory Group.  It is, however, a topic about which retirement plan fiduciaries need to stay apprised.  We also receive the occasional question from our personal wealth and foundation or endowment clients, so we thought we’d demystify [Read More]

Inflation’s effect on 2021 retirement contribution limits

By |2020-12-06T14:18:00-08:00December 4th, 2020|Blog, Business Owners, Fiduciary, Institutional, Personal Wealth|

The IRS released the dollar limits for 2021 qualified retirement plan contributions.  For 2021, employees’ and owners’ ability to defer compensation and invest for their future remains about the same as 2020. Because of low inflation, most of the common contribution levels were left unchanged, with defined contribution total dollar amounts (from employee and [Read More]

What retirement plan sponsors need to know for 2021

By |2020-11-13T10:29:45-08:00November 7th, 2020|Blog, Fiduciary, Institutional|

Safe harbor retirement plan for 2021 Now is the time to take action if you wish to implement a new safe harbor 401(k) plan or make changes to your existing safe harbor structure for 2021.  To satisfy the participant notice requirements, companies should install or amend calendar-year plans by the end of November.  If [Read More]

Department of Labor on ESG and private equity investing options for defined benefit plans

By |2022-04-07T13:33:32-07:00August 16th, 2020|Blog, Institutional|

Do you, or do you want to, offer Environmental, Social and Corporate Governance (ESG) investment options in your qualified retirement plan?  What about riskier private equity options?  Here’s what’s on the Department of Labor (DOL)’s radar when it comes to both. Environmental, Social and Corporate Governance (ESG) investing While participant and plan sponsor interest [Read More]

The rationale for investment manager changes

By |2022-04-09T09:19:11-07:00May 21st, 2020|Blog, Fiduciary, Institutional, Investment Management, Personal Wealth|

Sometimes we have to change the investments we hold in our clients’ portfolios. We’ve talked about rebalancing and tax loss harvesting as ways to keep portfolios’ allocation in check and lower tax bills, but what happens when a specific investment manager of a mutual fund or other vehicles needs a change? How do we decide [Read More]

How to pick an auditor for your company’s retirement plan

By |2022-04-09T10:22:19-07:00May 20th, 2020|Blog, Fiduciary, Institutional|

Audit season is in full swing for retirement plans, and if your company has a “large plan” (defined as more than 100 participants) you are required to undergo an annual audit by a CPA. This requirement kicks in when your start-of-year participant count exceeds 120 for the first time. If your company sponsors a plan [Read More]

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