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    <title>EBA Feature</title>
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    <pubDate>Tue, 04 Mar 2025 18:30:00 GMT</pubDate>
    <dc:date>2025-03-04T18:30:00Z</dc:date>
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      <title><![CDATA[ Retirement plan analysis suggests rampant fiduciary breaches ]]></title>
      <link>https://www.financial-planning.com/advisers/news/majority-of-retirement-plans-have-fiduciary-breaches</link>
      <description><![CDATA[ Nearly 84% of U.S.-based plans have an ERISA violation, spotlighting a need for independent benchmarking audits.  ]]></description>
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      <category><![CDATA[ ERISA ]]></category>
      <category><![CDATA[ Fiduciary standard ]]></category>
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      <category><![CDATA[ 401(k) ]]></category>
      <category><![CDATA[ 401(k) fees ]]></category>
      <pubDate>Tue, 04 Mar 2025 18:30:00 GMT</pubDate>
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      <dc:creator>Bruce Shutan</dc:creator>
      <dc:date>2025-03-04T18:30:00Z</dc:date>
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      <title><![CDATA[ Traditional vs. Roth 401(k) and how best to leverage an HSA ]]></title>
      <link>https://www.financial-planning.com/advisers/opinion/traditional-vs-roth-401k-and-how-best-to-leverage-an-hsa</link>
      <description><![CDATA[ Cash flow, tax bracket and timing of distributions will determine whether pretax or post-tax treatment of retirement savings makes more sense.  ]]></description>
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      <category><![CDATA[ Retirement ]]></category>
      <category><![CDATA[ Employee benefits ]]></category>
      <category><![CDATA[ Financial wellness ]]></category>
      <pubDate>Wed, 15 Jan 2025 10:30:00 GMT</pubDate>
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      <dc:creator>Brandon Ross</dc:creator>
      <dc:date>2025-01-15T10:30:00Z</dc:date>
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      <title><![CDATA[ This Earth Day, recycle 401(k) savings to avoid IRA landfill ]]></title>
      <link>https://www.financial-planning.com/advisers/opinion/how-to-rollover-a-401k-without-losing-money</link>
      <description><![CDATA[ Amid cash-outs, stranded plans and suboptimal investments, a SECURE 2.0 provision runs the risk of expanding asset waste in the proverbial 401(k) landfill.  ]]></description>
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      <pubDate>Wed, 17 Apr 2024 13:00:00 GMT</pubDate>
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      <dc:creator>Spencer Williams</dc:creator>
      <dc:date>2024-04-17T13:00:00Z</dc:date>
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      <title><![CDATA[ HSAs should be promoted as way to supplement retirement savings ]]></title>
      <link>https://www.financial-planning.com/advisers/opinion/hsas-are-a-way-to-supplement-retirement-savings</link>
      <description><![CDATA[ They can be a more tax-effective way to save for retirement than an IRA for those who are able to max out contributions and pay for medical expenses with other funds.  ]]></description>
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      <category><![CDATA[ HSAs ]]></category>
      <category><![CDATA[ Healthcare costs ]]></category>
      <category><![CDATA[ Tax planning ]]></category>
      <category><![CDATA[ Retirement ]]></category>
      <pubDate>Mon, 08 Apr 2024 13:00:00 GMT</pubDate>
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      <dc:creator>Christa Day</dc:creator>
      <dc:date>2024-04-08T13:00:00Z</dc:date>
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      <title><![CDATA[ What the end of IBM's 401(k) match could mean for the future of retirement plans ]]></title>
      <link>https://www.financial-planning.com/advisers/news/what-the-end-of-ibm-401k-match-means-for-the-future-of-retirement</link>
      <description><![CDATA[ Does the tech giant's move signal the return of pensions? John Lowell of October Three consulting weighs in.  ]]></description>
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      <category><![CDATA[ Retirement ]]></category>
      <category><![CDATA[ 401(k) ]]></category>
      <category><![CDATA[ Industry News ]]></category>
      <pubDate>Wed, 15 Nov 2023 19:41:57 GMT</pubDate>
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      <dc:creator>Stephanie Schomer</dc:creator>
      <dc:date>2023-11-15T19:41:57Z</dc:date>
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      <title><![CDATA[ Retirement's perfect storm is brewing. How automated portability can offer shelter ]]></title>
      <link>https://www.financial-planning.com/advisers/opinion/automated-portability-can-preserve-retirement-readiness-and-401k-balances</link>
      <description><![CDATA[ Sharp increases in 401(k) account withdrawals spell trouble for plan participants, sponsors and recordkeepers.  ]]></description>
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      <category><![CDATA[ Retirement ]]></category>
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      <pubDate>Wed, 08 Nov 2023 14:00:00 GMT</pubDate>
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      <dc:creator>Spencer Williams</dc:creator>
      <dc:date>2023-11-08T14:00:00Z</dc:date>
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      <title><![CDATA[ 52% of retirees expect to pick up a part-time job to make ends meet ]]></title>
      <link>https://www.financial-planning.com/advisers/news/retirees-expect-to-pick-up-a-part-time-job-to-make-ends-meet</link>
      <description><![CDATA[ Employees lack confidence that the money they saved will actually financially support them through their retirement.  ]]></description>
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      <category><![CDATA[ Retirement ]]></category>
      <category><![CDATA[ Financial wellness ]]></category>
      <pubDate>Mon, 06 Mar 2023 17:30:51 GMT</pubDate>
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      <dc:creator>Alyssa Place</dc:creator>
      <dc:date>2023-03-06T17:30:51Z</dc:date>
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      <title><![CDATA[ Improve retirement readiness by avoiding cash-outs and consolidating 401(k)s ]]></title>
      <link>https://www.financial-planning.com/advisers/opinion/for-retirement-readiness-avoid-cash-outs-and-consolidate-401ks</link>
      <description><![CDATA[ A more thoughtful approach to saving will help participants who rely on the defined contribution model stretch their dollars into life after work.  ]]></description>
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      <category><![CDATA[ Retirement ]]></category>
      <category><![CDATA[ 401(k) ]]></category>
      <category><![CDATA[ Retirement benefits ]]></category>
      <pubDate>Mon, 28 Nov 2022 14:00:00 GMT</pubDate>
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      <dc:creator>Spencer Williams</dc:creator>
      <dc:date>2022-11-28T14:00:00Z</dc:date>
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      <title><![CDATA[ Small businesses can save $100,000 per employee by offering 401(k) benefits  ]]></title>
      <link>https://www.financial-planning.com/advisers/news/gusto-small-business-retirement-savings</link>
      <description><![CDATA[ New research from Gusto reveals that workers are 40% less likely to leave in their first year when they're offered retirement benefits.  ]]></description>
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      <category><![CDATA[ Retirement ]]></category>
      <category><![CDATA[ Small business ]]></category>
      <pubDate>Mon, 14 Nov 2022 18:47:31 GMT</pubDate>
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      <dc:creator>Alyssa Place</dc:creator>
      <dc:date>2022-11-14T18:47:31Z</dc:date>
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      <title><![CDATA[ Millennials and Gen Z want more than a 401(k) for retirement savings. They want crypto ]]></title>
      <link>https://www.financial-planning.com/advisers/news/schwab-reveals-millennials-and-gen-z-want-crypto-options-in-401k</link>
      <description><![CDATA[ New research from Schwab Retirement Plan Services reveals how Gen Z and millennials are approaching their retirement planning — with personalized advice and even cryptocurrency investing.  ]]></description>
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      <category><![CDATA[ Retirement ]]></category>
      <category><![CDATA[ Financial wellness ]]></category>
      <pubDate>Mon, 07 Nov 2022 17:45:08 GMT</pubDate>
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      <dc:creator>Alyssa Place</dc:creator>
      <dc:date>2022-11-07T17:45:08Z</dc:date>
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      <title><![CDATA[ More employees are retiring before 65. Are they financially prepared? ]]></title>
      <link>https://www.financial-planning.com/advisers/news/more-employees-are-retiring-before-65-are-they-financially-prepared</link>
      <description><![CDATA[ Specific, well thought out educational strategies can help the workforce reach their retirement goals.  ]]></description>
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      <category><![CDATA[ Retirement ]]></category>
      <category><![CDATA[ 401(k) ]]></category>
      <pubDate>Wed, 16 Mar 2022 14:00:00 GMT</pubDate>
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      <dc:creator>Amanda Schiavo</dc:creator>
      <dc:date>2022-03-16T14:00:00Z</dc:date>
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      <title><![CDATA[ Turning allocations toward income: How default options can boost retirement savings ]]></title>
      <link>https://www.financial-planning.com/advisers/opinion/turning-allocations-toward-income-how-default-options-can-boost-retirement-savings</link>
      <description><![CDATA[ The case for better aligning default options with income needs is undeniable. But how can we best implement these choices?  ]]></description>
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      <category><![CDATA[ Retirement education ]]></category>
      <category><![CDATA[ Investment strategies ]]></category>
      <category><![CDATA[ Retirement benefits ]]></category>
      <pubDate>Fri, 20 Aug 2021 13:00:00 GMT</pubDate>
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      <dc:creator>Tim Walsh</dc:creator>
      <dc:date>2021-08-20T13:00:00Z</dc:date>
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      <title><![CDATA[ Your 401(k) plan could be burning down the rainforest ]]></title>
      <link>https://www.financial-planning.com/advisers/news/401k-plans-are-unsustainable-according-to-non-profit-as-you-sow</link>
      <description><![CDATA[ This company released a corporate report card so employees know what their retirement investments are going toward — and whether or not it lines up with their own values.  ]]></description>
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      <category><![CDATA[ ESG ]]></category>
      <category><![CDATA[ 401(k) ]]></category>
      <category><![CDATA[ Retirement planning ]]></category>
      <pubDate>Mon, 02 Aug 2021 18:32:11 GMT</pubDate>
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      <dc:creator>Paola Peralta</dc:creator>
      <dc:date>2021-08-02T18:32:11Z</dc:date>
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      <title><![CDATA[ Betterment teams with Lumity on retirement, financial wellness benefits ]]></title>
      <link>https://www.financial-planning.com/advisers/news/betterment-teams-with-lumity-on-retirement-financial-wellness-benefits</link>
      <description><![CDATA[ “Financial wellness is front and center [for employers], so the partnership between Betterment and Lumity made perfect sense,” says Amit Ahluwalia, Lumity’s national employee benefits practice leader.  ]]></description>
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      <category><![CDATA[ Retirement planning ]]></category>
      <pubDate>Thu, 10 Jun 2021 13:00:07 GMT</pubDate>
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      <dc:creator>Amanda Schiavo</dc:creator>
      <dc:date>2021-06-10T13:00:07Z</dc:date>
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