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The Social Security Conversation

Social Security should not be a one-time conversation between advisors and clients. Here are some ways to help plan participants get the most from their benefits.

ERISA and Enterprise Clouds: Fiduciaries Need to Learn How to Marry the Two

More businesses are relying on cloud computing. Yet, DOL has not produced guidelines for protecting personal identifying information except to acknowledge that it must be protected. Enterprise cloud computing may provide answers.

Millennial as Investor

It’s no wonder retirement advisors struggle to get millennial employees on track with retirement investing. Here are a few ways you can help millennial investors connect emotionally with their retirement.

Real Estate Madness and Borrowing from Your 401k

While some online sources on personal finance urge readers to take loans from their 401ks, rather than cashing out the securities or bonds in them, those loans may need to have careful structuring.

Succession Planning: Have You Talked to Your Client About Planning for Change?

While research suggests that only 18% of small business have 401k plans, almost 60% of small businesses lack a succession plan.

Objective-based Q&A: Building Better Retirement Plans

Advisors should understand the investor’s liquidity – what need the investor has for the income and from what other sources will that investor be able to find easily liquidated funds

Investment Monitoring: If You Aren’t Talking to Your Client About it, Someone Else Is

Corporate compliance and risk management evaluates internal policies, externally imposed regulations and reporting requirements, and synthesizes both with an eye towards performance and efficiency. The same holds for Investment Monitoring and Oversight

Beyond the Traditional: 4 More Ways to Win 401(k) Business

Getting in front of your plan sponsors and participants at a time when they’re seeking specific advice elevates your services and builds some serious loyalty.

6 Reasons Why a 401(k) Is Still the Best Option for Your Client

No matter what the current temperature of public opinion is on 401ks, it may be worthwhile to review options with your client to make sure that their needs for liquidity, tax benefits, ease of administration, social concerns and rate of return are met.

Plan Administrator entitled to precisely follow instructions in Plan Summary to determine validity of Beneficiary Designation

During her employment, Ms. Rizo participated in two company sponsored retirement plans subject to ERISA. Both plans’ summary plan descriptions provided very specific instructions as to how a participant designates a beneficiary. Ruiz v. Publix Super Markets

Supercharging the Investment Portfolio

Even in the best of scenarios, retirement plan participants could be doing everything right and still be missing their retirement income targets. There are ways for retirement advisors to help plan participants boost their portfolios within the confines of a group plan offering menu. Here are a few methods advisors can bring to the table.

Fiduciary Services Rules 3(21), 3(38), and 3(16): What Does It All Mean and What Do Your Clients Need to Know?

The intention behind ERISA was to ensure that those who manage retirement plans do so to benefit the plan participants and make good choices about investing. Those drafting the law defined certain individuals involved with retirement plans as fiduciaries to impose the duties of prudence and loyalty, specifically those regarding revealing conflicts of interest, on those involved in advising retirement funds.
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