Retirement Services & Financial Advisors​ - Serving Columbus & Beyond


Submitted by Life, Inc. Retirement Services on October 30th, 2017

401k Advisors Fiduciary plan design 401k Administrator 401k Fees DOL Investment Fees proactive Solo 401k

Retirement plans come in all shapes and sizes: DC Plans, DB Plans, Non-Qual, 401(k), 403(b), 401(a), 457, SEP IRA, Simple IRA, Roth IRA, Cash Balance, HSA… and any other number letter combinations that you can think of.

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What Does the Proposed Fiduciary Rule Change Mean to Your 401(k) Plan?

Submitted by Life, Inc. Retirement Services on July 28th, 2015

401k Advisors Fiduciary 401k 401k Fees Investment Fees plan design proactive Solo 401k

As is customary with the proposal of any new regulatory rule or provision, the Department of Labor has opened the floor to comments regarding its proposed rule change to extend fiduciary responsibilities to all advisors who work with qualified retirement plans.

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Why is Your 401(k) Performance so Mediocre?

Submitted by Life, Inc. Retirement Services on June 18th, 2015

401k Advisors plan design Fiduciary 401k Fees Investment Fees proactive Solo 401k

After a rather tumultuous decade in which the overall performance of 401k plans is best described as anemic, we may be entering a period of redemption that could have 401k plan sponsors and participants smiling again.

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404(c), The Frequently Missed & Misunderstood Protection for 401(k)s

Submitted by Life, Inc. Retirement Services on April 6th, 2015

401k Advisors Fiduciary Fiduciary Duties Investment Fees Solo 401k

Most company 401k plans offer individual account plans in which participants direct their own investments, so should be taking advantage of Section 404(c) of ERISA. This is the provision that frees you and your company of certain fiduciary liabilities for the investments they offer.

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The Advantages of a 401k over a SEP or SIMPLE for Business Owners

Submitted by Life, Inc. Retirement Services on January 5th, 2015

401k Advisors Fiduciary Fiduciary Duties Solo 401k plan design SBO-401K SEP IRA Simple IRA

For business owners, there’s no shortage of retirement plan options, each with the capacity to accept larger contributions than individual or employee plans with commensurate tax advantages. Until recently, the default options for many business owners had been the Simplified Employee Pension (SEP IRA) or the Savings Incentive Match Plan for Employees (SIMPLE IRA) chosen in large part for their low cost and simplicity. However, for business owners in the right situation, the 401k plan is quickly becoming the plan of choice for its even greater capacity and flexibility.

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​Does Your Plan Sponsor Fidelity Bond Coverage still leave you Vulnerable?

Submitted by Life, Inc. Retirement Services on December 27th, 2014

401k Advisors 401k DOL ERISA Fidelity Bond Fidelity Bond Fiduciary Fiduciary Insurance Solo 401k

Generally, anytime an employee or contractor is hired to a position that handles any aspect of a company’s finances – from cashiers to CFOs – are required to be bonded by their employer. In such cases bonds are purchased as protection against fraud, theft, or other instances of dishonesty that result in financial loss to the company.

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