General

The Importance of Defining Investment Objectives for Nonprofit Organizations

July 19th, 2018|

By Nick Frigerio, Planning and Research Associate

Running a nonprofit organization means running a business; and businesses need operating capital and sustainability. All nonprofits have a core mission at the forefront of everything they do for the communities they serve. They have a unique responsibility to invest funds originating from donors with a passion for the […]

Nonprofit Retirement Plans Continue to Evolve

July 12th, 2018|

By Edward “Ed” V. O’Neal, Vice President and Manager, Retirement Plans

Retirement plans for nonprofit and tax-exempt entities (particularly 403(b) plans) have historically lagged behind the business owner retirement plan market in terms of modernizing their plan provisions and features.  Traditionally, nonprofit and tax-exempt employers have been uncomfortable with change; at least in comparison to their […]

Summer Savings Strategies: Keep Your Assets Tax Diversified

July 11th, 2018|

By Theresa Fry, Senior Vice President and Manager, IRA’s and Retirement Planning

When you retire, your savings and investments will likely become a primary source of income. Did you know that how your retirement income is taxed is impacted by both the type of investments and the type of accounts the income is taken from? For […]

Opportunity for Higher Education Entities to Modernize Their 403(b) Plans

July 6th, 2018|

By Edward “Ed” V. O’Neal, Vice President and Manager, Retirement Plans

Retirement plans for nonprofit and tax-exempt entities are often structured very differently than retirement plans for businesses (like 401(k) plans), and as a result can provide some unique challenges for both the plan sponsor and participants.  This is particularly evident with 403(b) plans (also known […]

Summer Savings Strategies: Minimize Your Tax Bill

June 27th, 2018|

By Jeffrey R. Wolfe, Senior Vice President, Manager of Wealth Planning Strategies

It doesn’t make sense for taxes to be the only factor in investment decision making, but tax consequences should certainly be part of the conversation. This is because keeping investment-related taxes low can increase your overall investment return. For example, investments that are tax-efficient […]

Summer Savings Strategies: Convert Summer Jobs Into Super Savings

June 20th, 2018|

By Theresa Fry, Senior Vice President and Manager, IRA’s and Retirement Planning

If you are like most parents with a household of kids at home for the summer, you are probably trying to figure out what kinds of activities are going to keep them busy all summer long. For those of you with teenagers or college […]

Recruit, Retain, and Reward Key Employees with Nonqualified Deferred Compensation Plans

June 20th, 2018|

By Edward “Ed” V. O’Neal, Vice President and Manager, Retirement Plans and Dan Schulte, Vice President and Manager, Annuities and Insurance

In order for a company to thrive, it is vitally important that employers are able to recruit, retain, and reward key executives through a comprehensive retirement benefits package.  The limitations placed on qualified retirement plans […]

Summer Savings Strategies: Fight Inflation

June 13th, 2018|

By Debbie Placke, Vice President, Manager, Financial Planning Tools and Marketing

Even though the last several years have seen lower inflation rates, looking back at the historical average over the past 45 years, inflation has risen at a rate of about 4% per year. This means that your weekly grocery bill as well as utilities and […]

Finding a Solution for Keeping Your Key Employees Happy

June 12th, 2018|

By Edward “Ed” V. O’Neal, Vice President and Manager, Retirement Plans

Recruiting and retaining the right employees for a business or nonprofit group can be critical to the ongoing success of that entity.  What approaches are available to employers to entice key employees to join an employer, and equally as important, to encourage those key employees […]

Summer Savings Strategies: Diversify Your Assets

June 6th, 2018|

By Bruce Buerkle, CFA, Senior Vice President, Manager Securities Research Support

By combining multiple types of investments—like large, small, growth, value and international companies— as well as having representation in different asset classes and business sectors, you may be able to not only keep up with inflation, but also get a suitable rate of return for […]