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Find Money To Save

 September 1 2017
The US Bureau of Economic Analysis estimates that the personal savings rate in the United States is 3.8%. The personal savings rate includes all types of savings – retirement, emergency expenses, and rainy days. If there is no pay increase on the horizon, is it possible to improve that savings rate?  Yes, it is. Learn 25 ways to save money without making more. At HORAN Retirement...

Understanding Mutual Funds

 August 25 2017
While the “alphabet soup” of mutual fund names may be confusing, it’s important to understand the basics of mutual fund share classes. Mutual funds’ fee structures differ based on the fund’s asset class even though the same fund always invests in the same asset-class mix with the same underlining securities. Of course, not all fund share classes are available depend...

You Are A Fiduciary

 August 17 2017
A survey conducted by J.P. Morgan found that many company executives overseeing their company’s retirement plan do not realize that they are fiduciaries. Click here to review the survey. HORAN Retirement Advisors acts as a co-fiduciary, sharing your fiduciary responsibility and liability. Did you know that not all firms are willing to act as a co-fiduciary on your behalf?Your HORAN Retireme...

DOL Files for 18-Month Delay of Fiduciary Rule

 August 10 2017
Another delay has been requested by the Department of Labor regarding the implementation of the Fiduciary Rule. The DOL is requesting that the applicability date of the rule be moved from January 1, 2018 to July 1, 2019. Your HORAN Retirement Advisors team will continue to keep you informed of any policy changes that affect your plan, but in the meantime, feel free to contact us with questions you...

Millennials Out-Investing Coworkers for Retirement

 August 4 2017
According to a recent article by Benefit News, millennials are out-investing their Gen X and baby boomer coworkers for retirement. Auto-enrollment, on-site meetings, webcasts and one-on-one meetings, which are key components of a good employee engagement plan, are helping millennials increase involvement with their retirement plans.  Click here to read the full article. Contact HORAN Retire...

Help your employees understand Social Security and Medicare

 August 1 2017
Becoming eligible for Medicare presents complex challenges for even the savviest of individuals. This is why, in addition to helping employees on a one-on-one basis, we also conduct on-site Medicare seminars to provide employee education on how Medicare works and all the important rules and regulations that go along with that transition.  HORAN partners with employers to provide group educat...

Why Vampires Are Wealthy

 July 21 2017
One summer in high school I spent my lazy free-time reading vampire novels by Bram Stoker and Anne Rice. Years later I would read works by Charlaine Harris and, I am embarrassed to say, Stephanie Meyer. While I would not say I am a vampire fanatic, I find it an entertaining genre. I was therefore a bit too excited when a client said “that’s why vampires are so rich!” when discuss...

Upcoming Compliance Deadlines and Important Dates

 July 20 2017
HORAN Retirement Advisors partners with you to navigate and comply with your compliance obligations. Below are compliance deadlines and other important dates that are coming up.  Early August - Second Quarter 2017 investment performance available for review. August 14 - Deadline for providing second quarter individual benefit statements to participants in participant-d...

Trends in Defined Contribution Plans

 July 10 2017
Members of the HRA team attend industry conferences to stay up to date on current information and gather information on future trends in the industry. Below are my notes from a recent Company Retirement Plan/ Defined Contribution Conference sponsored by JP Morgan. The event brought together over 140 dedicated retirement plan advisors from around the country representing $1 trillion or one-sixth of...

Spanning the Spousal Gap

 July 5 2017
My first day on my first job out of college, a colleague told me that if a certain client’s wife called to be very careful about what I told her because she wasn’t privy to all of their financial information. I have come to see this, for one reason or another, as very common.  There is no judgement in my office, even if I’d bristle at being an out-of-the loop as a spouse. I...
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