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SECURE 2.0 Implementation: A New Era in Retirement Planning

SECURE 2.0 Implementation: A New Era in Retirement Planning

The SECURE 2.0 Act, passed in late 2022 and now in active rollout through 2025, is reshaping the landscape of workplace retirement planning. Designed to expand access, modernize plan design, and improve financial preparedness, the law introduces over 90 new provisions—many of which are now surfacing in HR departments across the country. Automatic Enrollment Takes […]
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Modified Endowment Contract

A Comprehensive Guide for Retirement Planning • The Insurance Pro Blog

Cash Value Growth: Both regular life insurance and MECs offer tax-deferred growth of cash value, maintaining this important advantage. Withdrawals and Distributions: This is where the biggest difference lies. Regular life insurance follows FIFO (First In, First Out) taxation, meaning you can withdraw your basis (premiums paid) tax-free first. MECs follow LIFO (Last In, First […]
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Cybersecurity in Benefits & Retirement Accounts: Protecting Savings from Fraud

Cybersecurity in Benefits & Retirement Accounts: Protecting Savings from Fraud

As cyber threats continue to evolve, retirement accounts and employee benefits data have become prime targets for cybercriminals. With trillions of dollars invested in 401(k) plans, pensions, and employer-sponsored benefits, companies are strengthening security measures to safeguard sensitive financial information from fraud and unauthorized access. Recent Cybersecurity Breaches in Retirement Accounts Cyberattacks on retirement accounts […]
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A recent analysis of government retirement plan filings suggests companies across the country could be falling short in properly managing their employees' 401(k) and 403(b) plans, exposing them to the possibility of regulatory fines and penalties.

Companies Could Face Fines Over Retirement Plan Mismanagement

A recent analysis of government retire­ment plan filings suggests compa­nies across the country could be fall­ing short in properly managing their employ­ees’ 401(k) and 403(b) plans, exposing them to the possibility of regulatory fines and penalties. The data reveals what some experts ar­gue are widespread and systemic problems in how employers administer these tax-advan­taged plans […]
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A new generation of women is stepping up to take control of their financial futures, but some still face barriers to saving enough for a secure retirement. Employers have a vital role to play in providing the tools and resources women need to close the retirement savings gap.

Closing the Savings Gap: Empowering Women for Retirement

A new generation of women is stepping up to take control of their financial futures, but some still face barriers to saving enough for a secure retirement. Employers have a vital role to play in providing the tools and resources women need to close the retirement savings gap. The Challenges Women Face Women have made […]
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Nearly Half of U.S. Workers Not Confident in Retirement Savings

Nearly Half of U.S. Workers Not Confident in Retirement Savings

A new study reveals that many Americans feel anxious and uncertain when it comes to planning for their retirement years. With 46% of respondents reporting that they lack confidence in having enough money saved, employers have an opportunity to step up with more robust retirement benefits to attract and retain talent. When Did They Start […]
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IUL Retirement

IUL Retirement Dynamic Income Planning that’s Tax Free

Podcast: Play in new window | Download Indexed universal life insurance has unique features that make it resilient when change becomes necessary. And a lesson all retirees will eventually learn is their plan during retirement will require adjustments. Today I want to highlight the versatility IUL retirement planning brings to a plan specifically focused on […]
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This Is How Life Insurance Policy Loans Work

Bank owned life insurance can be such a beneficial strategy to incorporate into your diversification within and amongst asset … Life insurance policy loans are a unique feature of certain types of life insurance policies that can provide policyholders with a valuable source of cash in times of need. These loans allow policyholders to borrow […]
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How To Properly Structure A Whole Life Insurance Policy In 2023

In this video Chris Kirkpatrick does the 2023 update to his How To Properly Structure A Whole Life Insurance Policy. These videos … When it comes to financial planning, having a solid life insurance policy in place is crucial. One popular option that many individuals opt for is whole life insurance. Whole life insurance provides […]
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