Employee Retirement Income Security Act (ERISA) Definition #law.com

Posted On Nov 29 2017 by

#erisa law # Employee Retirement Income Security Act – ERISA What is the ‘Employee Retirement Income Security Act – ERISA’ The Employee Retirement Income Security Act of 1974 (ERISA) protects the retirement assets of Americans by implementing rules that qualified plans must follow to ensure plan fiduciaries do not misuse plan assets. Under ERISA, plans must provide participants with information about plan features and funding, and furnish information regularly and free of charge. BREAKING DOWN ‘Employee Retirement Income Security Act – ERISA’ ERISA also sets minimum standards for participation, vesting. benefit accrual and funding. The law defines how long a …


Price of life insurance #life #insurance, #retirement, #investment #services, #investment #products, #annuities, #annuity, #retirement #planning,

Posted On Nov 3 2017 by

# Helping families and businesses take small, manageable steps toward financial security since 1859 First Second Third Fourth Fifth Henry Hyde leaves the Mutual Life Insurance Company of New York to start his own firm, then known as Equitable Life Assurance Society of America. In its tenth year, Equitable writes more new business than any other company in the world. The company’s new headquarters is the first office building with steam elevators, paving the way for future skyscrapers. By 1879, it will expand to be the tallest office building in the world at that time. Equitable markets the first joint …


Therapy Dog Spends Time With Nursing Home Residents #therapy #dog, #pets, #nursing #home, #about #animals,

Posted On Oct 9 2017 by

# Javascript is not enabled. A Dog Walks Into a Nursing Home Kanwarjit Singh Boparai/Alamy Talented therapist dog, Pransky, greets a friend in a nursing home. Being at loose ends, with an empty nest and traveling husband, and sensing an excess of empathy and genius in her dog, Pransky, Sue Halpern decides to get them both certified as a therapy dog team. As it turns out, Pransky is not only a faithful, loving and snack-devouring friend, but a talented therapist as well. As she begins visiting the local nursing home every Tuesday with her new partner, she meets a range …


Annuity – Insurance Agency Marketing Services #annuity, #annuities, #fixed #annuity, #fixed #annuities, #guaranteed #income, #indexed,

Posted On Oct 1 2017 by

# Annuity Profitable Annuity Solutions At Insurance Agency Marketing Services our experience gives us the ability to understand that what is important to you is important to us. With that in mind we make it our sole mission to provide you with the most cutting edge products, superior case design and highest commission levels in the industry. When you factor in our expert new business team and focused administration staff there is no better home for your annuity business. Live knowledgeable people answering the phone World class incentives Personal access to the decision makers Proprietary producer and business development programs …


Your pension: Lump sum or monthly payments? Jan #pension #lump #sum, #pensions, #pension #plans, #lump

Posted On Sep 28 2017 by

# Should I take my pension’s lump sum offer? I have not started collecting my pension yet. I do not know whether to take a lump sum or take monthly checks from my 25 years of service with a well-known company. What are the risks? –Mary, Rahway N.J. Choosing between monthly pension payments for life or one, large lump sum payment can affect your income and lifestyle for decades to come, so it’s a decision that shouldn’t be taken lightly. “People need to think very carefully about whether a lump sum is their best option,” said Nancy Hwa, a spokesperson …


A Look At Short-Term Bond Funds #financial #advisor, #investment #advisor, #financial #planner, #financial #planning, #ria,

Posted On Sep 26 2017 by

# A Look At Short-Term Bond Funds The Federal Reserve is telegraphing multiple rate hikes in 2017, as unemployment remains low and the economy shows continued stability after the financial crisis. From the summer of 2016, the yield on the two-year U.S. Treasury has already roughly doubled from below 0.60% to more than 1.20%. And over the past five years, the yield has quadrupled. The prospect of rising interest rates, in turn, has focused new attention on short-term bond funds. By their very nature, bonds that mature sooner rather than later have less interest rate sensitivity or duration, since the …


Pros and cons of paying off mortgage before retirement #fa #playbook, #fa #playbook, #retirement, #special

Posted On Sep 21 2017 by

# Pros and cons of paying off mortgage before retirement Pros and cons of paying off mortgage before retirement Friday, 23 Jun 2017 | 3:04 PM ET | 00:53 Should you pay off your mortgage before you retire? There’s no clear-cut answer, as the strategy depends on the client’s tax situation, asset and income levels, and attitudes toward debt and investment. Financial advisors discuss the pros and cons. Pros Retiring a mortgage reduces stress, provides peace of mind, increases cash flow and provides a significant equity cushion that can be tapped for a true emergency, such as nursing-home care, said …


Finally, a Variable Annuity Worth Considering #prudential #premier #retirement #variable #annuity #review

Posted On Aug 23 2017 by

# Finally, a Variable Annuity Worth Considering I never thought I’d write a positive article about a variable annuity. As an investment adviser, I get sales pitches almost daily touting the huge commissions I can make selling these products. The high costs of variable annuities, often 3% or more annually, usually makes them an awful deal for investors. SEE ALSO: Are Annuities Right for You? But Vanguard has a new income rider for its variable annuity that’s making me reconsider. With the rider, total annual costs are 1.45% to 1.55% for a balanced portfolio of stocks and bonds, as well …


City of Vero Beach #vero #beach, #florida #local #government, #utilities, #airport, #marina, #recreation, #indian #river

Posted On Aug 22 2017 by

# WELCOME TO THE CITY OF VERO BEACH OVERNIGHT INTERSECTION CLOSUREclick for information Calling all photography enthusiast. The City of Vero Beach is in the process of developing a contemporary website that will strive to illustrate our unique City by the Sea . Our goal is to not only allow citizens to navigate the many municipal departments easily, but to showcase our City to residents and visitors alike. As we strive to visually illustrate the appeal of our City, we are in need of compelling photographs. The City of Vero Beach is seeking original works that communicate the beauty, uniqueness …


CFA CPA CFP RIA CLU CHFC IAFP NAPFA PFS, What do different Financial Advisor degrees

Posted On Jun 13 2017 by

# CFA, CFP, CPA, RIA. What’s the Difference? There are many designations out there for financial advisors. Investors often cannot tell the difference or understand what each qualification allows the advisor to do in managing your account(s). We will attempt to briefly describe the differences here. If you have more specific questions or would like more information from us, please contact us. Chartered Financial Analyst (CFA) – all CFA holders have passed all three rigorous tests focusing on investment analysis and completed four years of qualified experience before earning the well-regarded designation. Why choose a CFA? Certified Financial Planner (CFP)- …