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Ted Godbout

By Ted Godbout | 3/22/2019
The Financial Industry Regulatory Authority says it will maintain member fees for now, but that decision may have to be revisited in the near future.   In its newly released budget summary for 2019, the self-regulatory organization says it will not seek to increase member fees this year – the... READ MORE
By Ted Godbout | 3/21/2019
Financial advisors appear to be laser-focused on Millennials as the next generation of potential investors, but they may be making a mistake by overlooking Generation X, says a new white paper. Given their population size and the inevitable impact of wealth transfers, firms are jostling to court... READ MORE
By Ted Godbout | 3/20/2019
New survey results show that nearly half of Americans incorrectly believe all advisors are legally obligated to act in a client’s best interest.   According to findings in Personal Capital’s 2019 Financial Trust Report, 48% of survey respondents mistakenly believe that all financial advisors are... READ MORE
By Ted Godbout | 3/20/2019
Running the gamut from “growth” to “defensive,” new research documents the extensive asset allocation strategies among custom target date funds.  Noting there is a wide range of information available on the performance and asset allocation strategies of packaged TDFs but little comparative... READ MORE
By Ted Godbout | 3/19/2019
When asked to name barriers to financial independence and early retirement, Americans are less concerned about uncertain market conditions or inflation than they are about health care expenses.  According to new survey results from TD Ameritrade, Americans aged 45 and older with $250,000 or more... READ MORE
By Ted Godbout | 3/18/2019
Several trends in the defined contribution market are likely to propel a greater interest in managed accounts, according to a new report by Cerulli Associates.  “Growing emphasis on financial wellness, concerns about lack of retirement income options within employer-sponsored plans, increasing... READ MORE
By Ted Godbout | 3/18/2019
In preparation for a potentially more volatile market environment, institutional investors are looking at ways to diversify sources of investment outperformance, according to new research.  While institutions of all sizes plan to make changes to their investment approaches, Fidelity’s Global... READ MORE
By Ted Godbout | 3/18/2019
Environmental, social and governance-oriented investment options continue to “face headwinds” to widespread adoption in the defined contribution market, new research shows.  Plan participants and plan sponsors are generally supportive of ESG-oriented investments in concept. In a 2018 survey of 1,... READ MORE
By Ted Godbout | 3/15/2019
Witnesses at a House subcommittee hearing testified March 14 that the SEC’s proposed Regulation Best Interest seemed promising at first glance, but fell short upon closer inspection.  “Putting Investors First? Examining the SEC’s Best Interest Rule,” held by the House Financial Services... READ MORE
By Ted Godbout | 3/15/2019
The fourth quarter 2018 market correction weighed on plan participants’ investment activity within self-directed brokerage accounts (SDBAs).  According to Charles Schwab’s SDBA Indicators Report, the average balance of the firm’s SDBAs fell to $246,153, a decline of 10.6% from the third quarter of... READ MORE
By Ted Godbout | 3/14/2019
Following a slow start after 2018’s year-end market volatility, 401(k) investor trading activity again remained calm for February, reflecting a mostly positive performance for investors. According to the Alight Solutions 401(k) Index, February included only three trading days of above-normal... READ MORE
By Ted Godbout | 3/14/2019
Conventional wisdom often says that women don’t participate much in their financial well-being, but a new study suggests that wisdom is only partly true. In fact, more than 80% of women globally are highly involved in their short-term finances, such as daily expenses, budgeting and cash flow,... READ MORE
By Ted Godbout | 3/12/2019
A top fear in retirement is out-of-control healthcare costs, but a new survey finds few business owners fully understand the benefits and operations of health savings accounts (HSAs). More than half of business owners (55%) consider healthcare costs to be the biggest expense for those in... READ MORE
By Ted Godbout | 3/11/2019
Target-date funds continue to reshape investment patterns in DC plans in fundamental ways – and their expanding usage is expected to continue for the foreseeable future, according to a new report.  In 2018, nearly 60% of Vanguard participants in DC plans were invested in a professionally managed... READ MORE
By Ted Godbout | 3/11/2019
Despite the 2018 market downturn, the projected retirement deficit for U.S. households has improved somewhat, though some remain at greater risk than others, according to new data from the Employee Benefit Research Institute. “Retirement Savings Shortfalls: Evidence from EBRI’s 2019 Retirement... READ MORE
By Ted Godbout | 3/11/2019
President Trump’s fiscal year 2020 budget addresses the Administration’s high-priority items, such as increased spending for national security, but it doesn’t include much about retirement. Released by the White House’s Office of Management and Budget on March 11, the proposal – dubbed “A Budget... READ MORE
By Ted Godbout | 3/11/2019
A new study answers the question, “What do workers do with their retirement savings after they leave their employers?” – and when? To help plans better evaluate the distribution decisions people make when leaving employment, Alight Solutions takes a deep dive into the post-termination behavior of... READ MORE
By Ted Godbout | 3/8/2019
A majority of physical workers are confident about retiring with a comfortable lifestyle, but few appear to be on track to meet their estimated retirement income needs, according to a new global research report.   Physical workers are more likely than non-physical workers to say they are very/... READ MORE
By Ted Godbout | 3/7/2019
Selecting an appropriate investment and administrative structure for a qualified retirement plan is a significant and crucial task, yet there is no single formula for determining the preferred structure, according to a new white paper from SageView Advisory Group.   The selected investment... READ MORE
By Ted Godbout | 3/7/2019
Since enactment of the Pension Protection Act in 2006, automaticity has been highly successful in improving retirement readiness. But new, highly personalized fintech advances may help drive retirement readiness to the next level, according to a new white paper.  Building on the success of auto-... READ MORE

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