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Author Archives: Content Creator
FSPgo Reports
Final Rule on Prudence and Loyalty in Selecting Plan Investments and Exercising Shareholder Rights
22
Nov
Nov
Ernie Guerriero, CLU®,ChFC®,CEBS,CPC®,AIF®,RICP® Today, the U.S. Department of Labor released a final rule under the Employee Retirement Income Security Act (ERISA) to empower plan fiduciaries to safeguard the savings of America’s workers by clarifying that fiduciaries may consider climate change and other environmental, social, and governance (ESG) factors when they make investment decisions and when […]
FSPgo Reports
Your ERISA Watch – First Circuit Rules That Life Insurer Owed Fiduciary Duty to Make Timely Coverage Determination
12
Oct
Oct
Shields v. United of Omaha Life Ins. Co., No. 21-1290, __ F.3d __, 2022 WL 4864522 (1st Cir. Oct. 4, 2022) (Before Circuit Judges Barron, Selya, and Gelpí) n May of this year, Your ERISA Watch analyzed Skelton v. Radisson Hotel Bloomington, in which the Eighth Circuit discussed the system by which employers and insurers divide the duties of […]
05
Oct
Oct
The Simplified Employee Pension (SEP) Plan Option It may surprise financial planners to know that small businesses are predominant in the United States. Sadly, however, too many small businesses do not offer a retirement plan to their workforce. Surveys frequently show that the reason small businesses don’t offer plans is because retirement programs are expensive […]
Anne Bachrach, The Accountability Coach Successful and mentally strong entrepreneurs don’t persevere through challenging times and reach new heights by accident.These people don’t always know what moves they need to make to establish themselves. But they recognize that knowing what to avoid is just as important as knowing what to do.Mentally strong entrepreneurs learn to […]
FSPgo Reports
Your ERISA Watch – Goldman Sachs Wins Big on Summary Judgment in Case Challenging 401(k)’s Investments in Goldman Proprietary Funds
29
Sep
Sep
Falberg v. The Goldman Sachs Grp., No. 19 Civ. 9910 (ER), 2022 WL 4280634 (S.D.N.Y. Sep. 14, 2022) (Judge Edgardo Ramos) Fee cases continue to dominate the world of ERISA pension litigation. In this week’s case of the week, Goldman Sachs obtains a complete and somewhat surprising win on summary judgment in a proposed class action […]
28
Sep
Sep
The 529 Plan as an Estate Planning Tool The 529 plan has evolved into a powerful estate planning vehicle which allows the donor to retain control of their estate’s assets while removing those assets from their estate, reducing their taxable estate. Utilizing the 529 plan in a family’s estate planning is particularly timely and perhaps […]
31
Aug
Aug
Harris v. Lincoln Nat’l Life Ins. Co., No. 21-13186, __ F.4th __, 2022 WL 3009199 (11th Cir. July 29, 2022) (Before Circuit Judges Jordan and Rosenbaum, and District Judge John Steele). ERISA is very specific about some things, but on others it is famously vague. For example, ERISA says that plan participants are allowed to bring […]
Mike McGlothlin, CFP®, CLU®, ChFC®, LUTCF®, NSSA® Increased probability of success and minimum risk. That’s the dream — for advisors and clients. You may have heard it referred to as the efficient frontier or achieving Alpha. A portfolio is considered efficient when it’s optimized to produce the most efficient and sustainable income for a given […]
22
Aug
Aug
Planning Tools for Addressing Clients’ Diminished Capacity Financial advisors can play a key role in helping their clients who may be facing diminished capacity. There are various tools to mitigate the risks associated with cognitive decline and help a client deal with the financial consequences of diminished capacity. There are legal documents such as POAs […]