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Fiduciary Safe Harbors

FIDUCIARY SAFE HARBORS When declaring them in your ERISA plan be sure they are being followed Safe harbors are well known statutes provided to protect from liability those that that declare and implement them ... properly. Unfortunately, we often see safe harbors in the plan documents yet in operation the ...
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Beware the Siren’s Song: The Prohibited Transaction Trap

Prohibited Transactions by business service providers claiming to help, could sink the business you have worked so hard to make successful. Case in point: Today I received the following email from one of the large payroll providers offering to absorb the administrative cost of the business 401(k) if the business ...
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Risky Business: Why Plan Governance Matters

Participant-driven lawsuits are on the rise, and employers are facing heightened scrutiny of the way they manage their retirement plans. In today’s continually-evolving regulatory and legal environment, it’s more important than ever to make sure your organization’s retirement plan is both effective and compliant. A well-structured retirement plan governance program ...
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Hacked! Is Your Retirement Plan at Risk for a Cyber Attack?

Cyber-crime is on the rise worldwide. As a result, growing numbers of organizations are taking critical steps to protect their valuable electronic data from hackers and other cyber criminals — a process known as cybersecurity. It’s serious business, and a trend retirement plan sponsors and committees should pay attention to ...
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Plan Sponsor Guide: Understanding 401(k) Loans

Understanding 401(k) Loans The recent enactment of the Tax Cuts and Jobs Act of 2017 (TCJA) makes changes to 401(k) loan repayment options, which should prompt plan sponsors and plan administrators to re-evaluate their existing loan program, processes and procedures.  This article will provide an overview of the loan provision and ...
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The DOL Fiduciary Rule is dead, but you’re still a fiduciary

The DOL Rule is Dead - On June 21, 2018 the 5th Circuit Court of Appeals vacated the requirements of the U.S. Department of Labor’s (DOL) Conflict of Interest Rule—more commonly referred to as the “DOL Fiduciary Rule”—thus killing the rule entirely.  Despite this news, the death of the DOL Fiduciary Rule ...
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Clear Financial Strategies

Clear Financial Strategies provides small to mid-sized businesses; the owners, executives, and families, a fiduciary process to enhance their opportunity for financial success.

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Chicago Area

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Schaumburg, IL 60173

Phone: (844) 372-5900

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Investments involve various risks, including the possibility of loss of some or all of your investment. This website and information are provided for educational purposes only and should not be considered financial advice. Consult with your legal and tax consul before implementing any financial strategies.


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