teachersadvocate.blogspot.com
The Teacher's Advocate: Wild West in Government 403(b) Continues
http://teachersadvocate.blogspot.com/2013/09/wild-west-in-government-403b-continues.html
A blog devoted to improving 403(b) plans for public school employees. Monday, September 30, 2013. Wild West in Government 403(b) Continues. When the IRS issued new regulations for the 403(b) several years ago there was hope that the "wild west environment" that existed for k-12 Government plan participants would change for the better. Nearly five years after those regulations went into affect (and seven since issued) there have been some positive changes, but the "wild west environment" remains. There ar...
teachersadvocate.blogspot.com
The Teacher's Advocate: MStar Simon: Seeking Contract Clarity for 403(b) Decision-Makers
http://teachersadvocate.blogspot.com/2015/04/mstar-simon-seeking-contract-clarity.html
A blog devoted to improving 403(b) plans for public school employees. Thursday, April 23, 2015. MStar Simon: Seeking Contract Clarity for 403(b) Decision-Makers. My friend Scott Simon recently posted an updated review of a 403(b) contract with a school district, interesting stuff here:. Seeking Contract Clarity for 403(b) Decision-Makers. Thursday, April 23, 2015. Subscribe to: Post Comments (Atom). View my complete profile. Subscribe to The Teacher's Advocate Newsletter. The Teacher's Advocate.
teachersadvocate.blogspot.com
The Teacher's Advocate: Public School Employers Deceived By Shifty 403(b)/457(b) Providers
http://teachersadvocate.blogspot.com/2015/01/public-school-employers-deceived-by.html
A blog devoted to improving 403(b) plans for public school employees. Thursday, January 08, 2015. Public School Employers Deceived By Shifty 403(b)/457(b) Providers. You may not know this, but if you are a public school employer and offer a 403(b) or 457(b) plan you are required to prove to the IRS that you've met with every employee every year to inform them about the plan. You might not know about this pesky requirement because it's completely made up. The whole presentation was made in order to sell 4...
teachersadvocate.blogspot.com
The Teacher's Advocate: Opinion: Time To Clean Up School Employer Retirement Plan Compliance
http://teachersadvocate.blogspot.com/2015/04/opinion-time-to-clean-up-school.html
A blog devoted to improving 403(b) plans for public school employees. Thursday, April 09, 2015. Opinion: Time To Clean Up School Employer Retirement Plan Compliance. Popular defined contribution programs for public school employees are not being run properly and may be out of compliance with IRS rules and regulations. This post explores who is charged with keeping 403(b) and 457(b) plans in compliance and where they are coming up short. Ompliance Third Party Administrators (CTPA). The term CTPA stands fo...
teachersadvocate.blogspot.com
The Teacher's Advocate: 01/01/2015 - 02/01/2015
http://teachersadvocate.blogspot.com/2015_01_01_archive.html
A blog devoted to improving 403(b) plans for public school employees. Thursday, January 08, 2015. Public School Employers Deceived By Shifty 403(b)/457(b) Providers. You may not know this, but if you are a public school employer and offer a 403(b) or 457(b) plan you are required to prove to the IRS that you've met with every employee every year to inform them about the plan. You might not know about this pesky requirement because it's completely made up. The whole presentation was made in order to sell 4...
teachersadvocate.blogspot.com
The Teacher's Advocate: FIDUCIARY DEBATE WAR RAGES – ADVISOR OR SALESPERSON?
http://teachersadvocate.blogspot.com/2015/02/fiduciary-debate-war-rages-advisor-or.html
A blog devoted to improving 403(b) plans for public school employees. Friday, February 06, 2015. FIDUCIARY DEBATE WAR RAGES – ADVISOR OR SALESPERSON? Recall my piece from awhile back: ASPPA Disclosure. As well as Michael Kitces piece - The Public Deserves A Choice, But It’s Not Fiduciary Vs Suitability. If you think the brokerage world has your best interest at heart.think again. Supporters of the DOL's efforts scoffed at Reilly's note. Raymond James CEO Calls on Advisors to Fight DOL Fiduciary Definition.
teachersadvocate.blogspot.com
The Teacher's Advocate: 04/01/2015 - 05/01/2015
http://teachersadvocate.blogspot.com/2015_04_01_archive.html
A blog devoted to improving 403(b) plans for public school employees. Tuesday, April 28, 2015. Senator Warren Launches Investigation of Rewards and Incentives Offered to Annuities Dealers Advising Retirees. For almost two decades I've written (see here. And railed against the standard industry practice of rewarding those who sell annuities with special trips, bonuses or other perks in addition to what sometimes are outrageous commissions. The full press release. WASHINGTON, DC - In letters. The questiona...
teachersadvocate.blogspot.com
The Teacher's Advocate: 06/01/2015 - 07/01/2015
http://teachersadvocate.blogspot.com/2015_06_01_archive.html
A blog devoted to improving 403(b) plans for public school employees. Friday, June 12, 2015. Will Franklin Graham Now Move Samaritan's Purse 401(k) Plan? In the wake of Franklin Graham's decision to pull the Samaritan's Purse bank accounts from Wells Fargo due to Wells Fargo's national advertising campaign that featured a lesbian couple, will Graham do the same with the Samaritan's Purse 401(k) plan? In an op-ed in the USA Today. A lesbian couple with their adopted child.)". I decided to do some research...
teachersadvocate.blogspot.com
The Teacher's Advocate: 08/01/2015 - 09/01/2015
http://teachersadvocate.blogspot.com/2015_08_01_archive.html
A blog devoted to improving 403(b) plans for public school employees. Tuesday, August 25, 2015. Plansponsor 403(b) "Balance" Article Lacks Balance. Plansponsor recently posted an article " Can k-12 403(b)s Find A Balance. It was anything but balanced. The problems start in the first sentence:. Some players in the K-12 403(b) plan marketplace say the traditional model—in which plan participants have individual relationships with advisers.". While auto-enroll is mentioned, it is almost immediately dismisse...
teachersadvocate.blogspot.com
The Teacher's Advocate: Alert Teachers - Want to goto Bora Bora? Quit and Sell Annuities From Midland
http://teachersadvocate.blogspot.com/2014/04/alert-teachers-want-to-goto-bora-bora.html
A blog devoted to improving 403(b) plans for public school employees. Tuesday, April 08, 2014. Alert Teachers - Want to goto Bora Bora? Quit and Sell Annuities From Midland. Next time someone is trying to sell you an Equity or Fixed Index Annuity for your 403(b) program you should inquire as to what their incentives are to sell them. MNL Bora Bora 2014. By Scott Dauenhauer, CFP, MSFP, AIF. Scott Dauenhauer, CFP, MSFP, AIF. Tuesday, April 08, 2014. Subscribe to: Post Comments (Atom). Promote Your Page Too.
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