With its broad impact across qualified retirement plans, it is important for plan sponsors to become familiar with the Act’s changes, and to take appropriate action. The Act’s administrative changes will likely require plan amendments, and participant notification practices will also need to change...

Despite all the budgeting and cash flow tracking apps available, many people still struggle to manage their spending habits on a daily basis. What if there was a simple blueprint you could follow that could help you manage the way you spend your money and hold yourself accountable? The 70/20/10 rule...

Try these morning rituals to get your day off to the right start. What’s your current morning routine? Maybe it goes something like this: mutter an expletive as the alarm goes off, begrudgingly pull yourself out of bed, throw on a robe and take the dog out, while suddenly realizing that you forgot...

Employers tend to direct retirement education toward those who will soon exit the workforce — Baby Boomers and Gen Xers. That makes sense considering the nearness of retirement for those groups. But it’s the Millennials who now make up the largest constituency in the American workforce, at one out...

A recent survey sheds light on the state of financial wellness since the pandemic. According to the TIAA 2022 Financial Wellness Survey, Americans currently define financial wellness as simply feeling comfortable with their financial situation. Over 50% believe wellness is defined as having the...

Your investment goals may change throughout your lifetime. It's important to revisit your approach to ensure your financial future stays on track. Participate in the events below to guide your portfolio in the right direction. Review your risk tolerance When it comes to investing, everyone is unique...

This webinar was recorded on 3/17/20 Heartland Retirement Plan Services are offered through Dubuque Bank and Trust Company. The information provided herein is general in nature and is not intended to be nor should be construed as specific investment, legal or tax advice. The factual information has...

This webinar was recorded on 11/8/19 Heartland Retirement Plan Services are offered through Dubuque Bank and Trust Company. The information provided herein is general in nature and is not intended to be nor should be construed as specific investment, legal or tax advice. The factual information has...

The Challenges The client was frustrated with their plan provider because they were failing nondiscrimination testing on an annual basis. In addition to this issue, the plan had over 120 participants and thus was audited every year. Since the plan provider was running testing and census information...