Category Archives: Plan Participants

Retirement Readiness

Retirement Readiness: Preparing for Our Retirement Dream

How far out from retirement you are can have a big impact on your retirement readiness and what steps you can take to try to right the ship if you will.  While there is no one quick fix or simple solution to preparing for a successful retirement here are a few tips to help along the way.

May 14, 2019

Many of us struggle with our retirement planning.  Am I saving enough? How should I be invested? How much will I need in retirement?  Or, perhaps you fall into the camp...

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market volatility and risk tolerance

Risk Tolerance and Reaction to Past Market Volatility

In the markets, we had a negative 2018 but started off with strong January 2019 performance.  Frankly, I’m a little disappointed about the 2008 data dropping off the fact sheets. Why am I sad to see those numbers go away?  Because, I like to use them to gauge a participant’s ability to tolerate risk. 

Feb 11, 2019

Even a groundhog can’t predict the future It’s February 2019.  Most of us have probably broken or revised our New Year’s resolutions by now.  After a few brutally cold days, the...

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Investing Basics for VEBA/HRA Balances

When deciding how to invest funds in their account, there are some things that participants might want to consider.

Nov 27, 2018

This post was written by Karni Adamson, Senior Sales Relationship Manager for BPAS VEBA & HRA/HSA Services Considerations for Investing After participants have opened a VEBA/HRA and registered for online access...

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Open Enrollment

Seven Things to Do During Open Enrollment

There’s still time to take advantage of everything that the open enrollment period at your workplace has to offer.

Nov 20, 2017

Open enrollment is coming to an end. But there’s still time to take advantage of everything that the open enrollment period at your workplace has to offer. Here are just seven...

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valid email address

You’re One in 2.7 Billion!

By keeping a valid email on file, we’re committed to making things more convenient and accessible for you.

Sep 19, 2017

No, that’s not your chances of winning the next big lottery. Chances are, you are one of the 2.7 billion email users in the world. As a participant, you may have...

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ira first time home buyer

Your Money. Your Terms – How to Avoid Paying the 10% Penalty on Retirement Savings Withdrawals – First Time Homebuyers Exemption

We show how first time home buyers can withdraw from their IRA to purchase a home.

Jul 20, 2017

Continuing in our series on exceptions to the 10% withdrawal penalty, we identify qualified first-time homebuyers as another exception. Rules This exception applies to IRAs only.  Employer Qualified Retirement plans are...

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Substantially Equal Periodic Payments

Your Money. Your Terms – How to Avoid Paying the 10% Penalty on Retirement Savings Withdrawals – Using Substantially Equal Periodic Payments

Continuing in our series on exceptions to the 10% withdrawal penalty, we highlight Series of Substantially Equal Payments (SEPP).

Mar 14, 2017

Continuing in our series on exceptions to the 10% withdrawal penalty, we identify series of substantially equal payments (SEPP). How It Works If distributions are made as part of a series...

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