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Daily Article Digest - Updated Throughout the DayThis digest contains a wide variety of the freshest source material dealing with current trends, opinion, news, legislative action, investments, marketing, sales, consulting, and legal issues regarding 401k, 403b and other retirement plans. Each listing contains a headline (hyperlinked to the source document), description, source of the item, and the month and year posted to this digest. Use the SEARCH feature to located specific items from this digest and from our ARCHIVE. RSS feed of this page is available:
Study Finds Strong Correlations Between Company Financial Performance Quality of Their 401kAbstract: Study found a strong correlation between corporate financial performance and overall 401k plan quality, regardless of a company's industry or retirement plan size. The study also found significant correlations between four success metrics of a 401k plan and four measures of corporate profitability. Source: Troweprice.com, September 2018
Best Practices for Reaching a Busy Plan SponsorAbstract: This article reviews six strategies to consider when getting in front of companies and how to successfully reach out to a busy plan sponsor. Source: Rixtrema.com, September 2018
Prominent 401k Plan Adviser Is Pivoting to Wealth ManagementAbstract: Captrust Financial Advisors is a powerhouse in the realm of retirement plan advisers. However, the firm -- which has $278 billion in client assets under advisement -- is shifting focus, looking to retail rather than institutional clients to drive its next phase of growth. Source: Investmentnews.com (registration may be required), September 2018
Contribute to Your 401k...Right NowAbstract: The future always seems like a long ways away. It is the future after all. But once you start saying "oh I'll take care of that later," later will creep up on you faster than you think! One area that most of us constantly ignore is saving for our financial future, namely retirement. Most have no idea what types of retirement benefits are provided, how they work, how they can enroll and why they should. Here are some tips. Source: Intuit.com, September 2018
How Much Should I Have in My 401k? Balance by AgeAbstract: A good rule of thumb is to add on one year of salary saved for every five years of age. for example, at age 30 you'd want to have saved one year of salary, at age 35, two years, at age 40, three years, and so on. Use these guidelines along with those covered in this article to gauge if you are on track for a comfortable retirement. Source: Intuit.com, September 2018
Borrowing Limits for Participants With Multiple Plan LoansAbstract: In situations in which they are approving plan loans, plan sponsors should understand how the maximum loan amount available to a plan participant is calculated to ensure that violations of IRC section 72(p)(2)(A) do not occur. If the plan sponsor is not required to approve loans, they should ensure that the third-party recordkeeper is appropriately limiting loans to participants as the plan sponsor is ultimately responsible for the plan's compliance with the rules. Source: Eisneramper.com, September 2018
Fiduciary ScienceAbstract: Determining whether a breach of fiduciary duty has occurred is a science. It is an organized way of gathering and analyzing evidence about the behaviors and methodologies of those who make choices. Source: 401khelpcenter.com, September 2018*
Frontier Communications 401k Plan Participant Sues Over Verizon Stock FundAbstract: Frontier Communications Corp. is the target of a fiduciary lawsuit by a 401k plan representative alleging the telecommunications company violated its fiduciary duty by offering a Verizon Communications Inc. company stock fund. Source: Pionline.com, September 2018
Ways & Means Moves on MEPs, PEPs and Other Retirement Savings ProvisionsAbstract: Following a day-long and occasionally contentious markup session, the House Ways & Means Committee approved on party-line votes three tax bills as part of the Tax Reform 2.0 push, one of which focuses on retirement savings. Source: Ntsa-net.org, September 2018
Understanding the Unwinding of DOL's Fiduciary RuleAbstract: This 14-page article discusses the implications of the Fifth Circuit's vacatur of the U.S. Department of Labor's fiduciary rule, best interest contract and principal transactions exemptions, and related amendments to other prohibited transaction exemptions, or PTEs, in Chamber of Commerce of the United States v. United States Department of Labor. Source: Groom.com, September 2018
Podcast: Steps to Reduce Risk of Claims Associated With 401K PlansAbstract: This 12-minute podcast discusses participant directed defined contribution plans and the lawsuits against the fiduciaries and service providers which are responsible for administering them. Also examines the best practices that can achieve favorable results for plan participants and the practices that can avert litigation or enable plan fiduciaries to effectively defend themselves if there is litigation. Source: Erisapracticecenter.com, September 2018
NYU v. Sacerdote -- Thoughts for Plan FiduciariesAbstract: Since 2016, participants have filed 19 lawsuits against universities over the fees charged to the universities' 403b plans. In the first of these cases to reach trial, New York University secured a complete victory when the court found that NYU did not breach its ERISA fiduciary duty of prudence. The court's decision provides some important takeaways for plan sponsors and the retirement committees that act as plan fiduciaries. Source: Drinkerbiddle.com, September 2018
Fiduciary Best Practices Helped NYU Win ERISA Class ActionAbstract: District Judge Katherine B. Forrest's opinion in Sacerdote highlights the various fiduciary governance practices the NYU fiduciaries followed in making the decisions at issue in the case. This article summarizes the fiduciary practices and explains how they helped the NYU fiduciaries prevail at the trial level. Source: Barclaydamon.com, September 2018
How the White House's Proposals Affect Plan Sponsors and AdvisorsAbstract: President Trump's most recent executive order creates the potential for significant changes in how private sector retirement plans operate. Here's a guide to the three main provisions of the order and what they mean for plan sponsors and advisors Source: Alliancebernstein.com, September 2018
Referrals are Critical to 401k Business, But Where Do You Find Them?Abstract: Referrals are often an integral part of a firm's marketing strategy and yet, determining the best way to seek them out can stymie the savviest of advisors. There are a number of traditional methods that can be effective when asking for and receiving quality referrals from plan sponsors, as well as participants. However, experts also talk about techniques that can make an impression. Source: 401kspecialistmag.com, September 2018
Tax Reform 2.0 Adds to Momentum for Open MEPsAbstract: The House of Representatives is building on recent momentum to enact a popular retirement-security measure seeking to make it easier for small businesses to offer workplace savings plans. Rep. Kevin Brady, chairman of the House Ways and Means Committee, introduced a trio of bills known as Tax Reform 2.0, which partly aims to make permanent rate reductions for individuals and small businesses codified in last year's tax-reform law. The Family Savings Act of 2018, one of the three bills, eases rules around open multiple-employer plans, or open MEPs. Source: Investmentnews.com (registration may be required), September 2018
A Market Sell-Off Could Mean More 401k LawsuitsAbstract: The current bull market is nearly 10 years old. Unemployment is low in many industries, there are more 401k millionaires than ever before and wage growth is looking up. Anyone saving in a 401k is likely doing pretty well right now. However, markets don't maintain an upward trajectory forever. And in the world of employer-sponsored retirement plans, negative returns and fiduciary risk are positively correlated. Source: Investmentnews.com (registration may be required), September 2018
How to Keep Your 401k Clients Out of CourtAbstract: While 401k lawsuits show no sign of letting up, the man at the forefront of class-action retirement plan litigation foresees a day when this will change. "Ultimately, it may be that 401k cases end because [retirement plan] sponsors change their practices." Source: Investmentnews.com (registration may be required), September 2018
Best Interest and Best Practices: Improving Retirement OutcomesAbstract: This is the first of a series of articles by Fred Reish that will focus on Best Interest and Best Practices. Those topics will give flexibility to talk about a range of subjects that affect both service providers, including advisors, and plan sponsors, including 401k committees. This inaugural article deals with the meaning of "Best Interest." Source: Fredreish.com, September 2018
Co-Fiduciary: The Importance of an Independent Investment AdvisorAbstract: With so much buzz around fiduciary duties in the past few years, organizations, large and small, have moved towards relying on outside organizations to assist with fiduciary responsibilities. One important partner a plan sponsor can lean on is an independent retirement plan investment advisor to ensure your plan is providing quality investments and paying reasonable fees. Source: Findley.com, September 2018
Why Phyllis Borzi Is Now Pessimistic On the Plight of a Uniform Fiduciary StandardAbstract: The former Assistant Secretary for Employee Benefits Security of the United States Department of Labor was the official in charge of the Employee Benefits Security Administration had a prominent role in developing the Obama administrations now vacated DOL Fiduciary Rule. This article covers where she thought the industry and regulators were heading. Source: Fiduciarynews.com, September 2018
Court of Appeals Affirms "Paternalistic" Breach of Fiduciary DutiesAbstract: In holding that the former employee failed to state a claim, the court in Meiners v. Wells Fargo & Co. reasoned that the plaintiff failed to plead facts showing the Wells Fargo investment funds were an imprudent choice. Specifically, the court found that the plaintiff's allegations that an allegedly comparable fund performed better was not sufficient, especially given the other fund's differing investment strategy. Source: Employeebenefitsblog.com, September 2018
Target-Date Funds Widely Used by Younger Plan ParticipantsAbstract: Younger 401k plan participants have large allocations to target-date and other types of balanced funds, according to a new joint study released today by the Investment Company Institute and the Employee Benefit Research Institute. At year-end 2016, 64 percent of 401k participants in their twenties held target-date funds, compared with 45 percent of 401k participants in their sixties. Source: Ebri.org, September 2018
Six Retirement Changes to Watch in House's Tax 2.0 PlanAbstract: Retirement savings is a centerpiece of House Republicans' bid to make last year's tax cuts permanent with changes that would benefit new parents, older retirees, and IRA contributors with less than $50,000 in their nest egg. Source: Bna.com, September 2018
Prudent Practices for Assessing Bundled Services in This Era of 401k Plan Fee LitigationAbstract: Given the prevalence of ERISA fee litigation, 401k plan sponsors are very concerned about identifying and implementing best fee practices to insulate themselves from liability against such claims. Over 50 so-called "fee cases" have been filed to date, with the majority pursued as class actions. Like most fiduciary benefit claims, however, the liability risk can be substantially mitigated through preventive practices. Source: Bna.com, September 2018
College Debt Can Limit 401k SavingAbstract: The loan payments, which can be a few hundred dollars a month, take a big bite out of young adults' still-low levels of disposable income. The debt makes them more prone to bankruptcy and lower homeownership rates. A key question is whether this pressing financial obligation might affect their preparation for a retirement that is several decades away. Here's what researchers for the Center for Retirement Research learned about student debt. Source: Bc.edu, September 2018
Connecticut's State-Run Plan on Hold as State Seeks DirectorAbstract: The Nutmeg State's state-run retirement program for private-sector workers remains on hold as the Connecticut Retirement Security Authority (CRSA) seeks an executive director to run it. Legislation establishing the program was enacted in 2016 providing for the creation of the Connecticut Retirement Security Exchange for the state's private-sector employers and their employees. Source: Asppa.org, September 2018
Can Your 401k Plan Include Socially Responsible Investments?Abstract: Socially responsible investing includes funds that take environmental, social and governance factors into account when selecting the fund's underlying investments. They are often referred to as ESG Funds. Studies show that millennials want socially responsible investments. This article discusses what you should consider. Source: 401ktv.com, September 2018
401k Plan Management: How to Better Organize Participant DataAbstract: It would be wonderful if every 401k plan sponsor maintained meticulous participant data from day one, but that’s rarely the case. Time, expense, and resource constraints can lead plan sponsors to focus on other priorities. Often, the consequence of outdated data isn't recognized until some major event occurs. Source: 401kspecialistmag.com, September 2018
401k Plan Asset Allocation, Account Balances, and Loan Activity in 2016Abstract: EBRI and ICI released "401k Plan Asset Allocation, Account Balances, and Loan Activity in 2016." Since 1996, the Employee Benefit Research Institute and the Investment Company Institute have worked together on collecting and analyzing annual data on millions of 401k plan participants' accounts. This report reflects the year-end 2016 update of these data and EBRI's and ICI's ongoing research into 401k plan participants' activity. Source: Ebri.org, September 2018
Treatment of the Annual Compensation in DC Plans in a Short Plan YearAbstract: This article discusses how defined contribution retirement plan plans sponsors should adjust the annual compensation limit under Internal Revenue Code Section 401(a)(17) in a plan year of less than 12 months (a short plan year), such as a first plan year, an amended plan year, or a year of plan termination. Source: Eisneramper.com, September 2018
Personality Influences Path to RetirementAbstract: Only about a third of the older people who are working full-time will go straight into retirement. Most take zigzag paths. These paths include gradually reducing their hours, occasional consulting, or finding a new job or an Uber stint that is only part-time. Other people "unretire," meaning that they retire temporarily from a full-time job only to decide to return to work for a while. A new study finds that the paths older workers choose are influenced by their personality and by how well they're able to hold the line against the natural cognitive decline that accompanies aging. Source: Bc.edu, September 2018
Piloting the State-Run DC Retirement Plan: Where Are They Headed?Abstract: Author writes, "Leaving Americans to their own devices and signing up for an IRA has put eight states in the position to implement a state-run savings program. Employers in these eight states may end up split on two sides of the coin-- those who find that a state-run plan is a great addition to the benefits package for their company versus those facing payroll challenges. Eight states are taking on the challenge and piloting state-run programs, and we will be eagerly awaiting the results of these endeavors." Source: Milliman.com, September 2018
Court Defers to Plan Language in Denying 401k Eligibility to DistributorsAbstract: The court ruled in favor of the company, finding that the plan language explicitly excluded the distributors from coverage. The plan document provided that individuals not treated as common-law employees for purposes of the company's payroll records were excluded from plan participation -- even if a court determined they were common-law employees and not independent contractors -- and further specified that individuals who were distributors under an agreement with the company for the distribution or sale of goods or products were not eligible to participate in the plan. Source: Thomsonreuters.com, September 2018
Employees Not Realizing the Importance of Debt Control in Retirement PlanningAbstract: Although a majority of workers thought workplace financial well-being programs would be either very or somewhat helpful in better preparing or saving for retirement, fewer than half of workers thought debt counseling or budgeting help would be helpful, EBRI found. Source: Plansponsor.com, September 2018
Understanding Fiduciary Roles: 3(21) vs 3(38)Abstract: Due to ERISA's increased standard of care, the now defunct DOL rule and other potential regulatory replacements, plan sponsors are faced with the heightened importance to understand the fiduciary roles and responsibilities for their retirement plan. This article outlines the ways of becoming a fiduciary, the differences between ERISA 3(21) and 3(38), and which is best depending on your plan and plan committee. Source: Planpilot.com, September 2018
5th Circuit Sides With Whole Foods in Stock Drop LitigationAbstract: The case ascended on appeal from the U.S. District Court for the Western District of Texas, where it also flatly failed to meet the high hurdles for proving standing established in Fifth-Third Bank vs. Dudenhoeffer. Source: Planadviser.com, September 2018
Pentegra's 2018 Stance on Open MEPsAbstract: This 9-page paper is designed to help interested parties of all kinds -- including employers, investment advisors, service providers, and current and future MEP sponsors -- join the dialogue and create the best possible future for American workers. The paper has two parts. Part 1 discusses President Trump's Executive Order. Part 2 reviews existing MEP law and regulation and how the Executive Order might affect them and ends with suggested talking points for future policy discussions. Source: Pentegra.com, September 2018
Executive Order Seeks to Reduce Retirement Plan Burdens and CostsAbstract: On August 31, 2018, President Trump issued an Executive Order on "Strengthening Retirement Security in America." The Executive Order is intended to set the policy for the DOL and the IRS in three areas outlined here. Source: Ktserisacorner.com, September 2018
Why President Trump's Executive Order on MEPs May Not Improve Access to Retirement PlansAbstract: This article discusses what multiple employer retirement plans are and their current challenges, how President Trump's recent executive order would change MEPs and at least potentially improve retirement plan access for employees of small businesses, and why these proposed changes might ultimately have some concerning unintended consequences. Source: Kitces.com, September 2018
Open MEPs Would Be Game-Changer for 401k AdvisersAbstract: The president inched open multiple employer plans a step closer to reality when he signed an executive order directing government agencies to make it easier for small employers to offer these retirement plans. If the Labor and Treasury Departments succeed in this endeavor, it would be a game-changer for advisers and the retirement industry, experts said. Open MEPs would help advisers drive down costs, administrative headaches and fiduciary liability for clients, which would encourage more employers to offer retirement benefits to their workers, they said. Source: Investmentnews.com (registration may be required), September 2018
Millions of Workers Continue to Save for Retirement Through 401k PlansAbstract: Research shows that 401k plans are a popular choice for workers because they are a flexible, proven way to save for retirement. Workers value the features of 401k plans -- such as employer contributions, auto-enrollment, tax treatment, and diverse investment options, including target-date funds -- that make it easier for them to plan and save. Plan participants also express confidence that 401ks and similar employer-sponsored plans will help them achieve their retirement goals. Source: Ici.org, September 2018
New Changes in 2018 for Form 1099-R ReportingAbstract: The Internal Revenue Service has issued the updated 2018 Form 1099-R and the updated 2018 Instructions for Forms 1099-R and 5498, containing some important changes compared to the 2017 instructions. Significantly, many of the updates to Form 1099-R reflect the changes made by The Tax Cuts and Jobs Act. Source: Icemiller.com, September 2018
Retention Practices: Fiduciary Records Are (Almost) ForeverAbstract: The question now is how long should fiduciary records be kept? It is not difficult to make the argument that reviewing and monitoring plan investment portfolios is an annual affair and a best practice. If you accept this premise and do the math, plan fiduciaries are exposed for a significantly long period. This extended period of risk means that for records relating to that original investment should be preserve for a significantly period. Source: Fiduciaryplangovernance.com, September 2018
Workers Feel Stressed About Preparing for RetirementAbstract: A significant percentage of workers across the board reported feeling stressed about preparing for retirement, in particular, workers with lower incomes (64 percent), those who have not calculated how much they will need to save for retirement (65 percent), and those in fair or poor health (75 percent). However, a majority of workers thought that workplace financial well-being programs would be either very or somewhat helpful in better preparing or saving for retirement. Source: Ebri.org, September 2018
President Trump Issues Executive Order Aimed at Expanding Coverage under 401k PlansAbstract: The Order directs the U.S. Departments of Treasury and Labor to consider revising existing regulations in an attempt to make it easier for small businesses to offer 401k plans to their employees, and to make it easier for retirees to keep savings in their 401k plans and individual retirement accounts. Source: Compliancedashboard.net, September 2018
State's Proposal Would Expand OregonSaves to IndividualsAbstract: The Oregon Retirement Savings Board reports that the Oregon State Treasury has filed a notice of proposed rulemaking that would create an option by which individuals could participate in OregonSaves. Currently, individuals can only participate in OregonSaves through their employers. Source: Asppa.org, September 2018
Helping Employees Get the Best Bang for Their DC Plan BucksAbstract: Even small changes in asset allocation can have a significant impact on employees' ability to retire comfortably when they want. Yet few organizations pay attention to how their employees allocate their DC plan contributions and current assets. This paper focuses on how employers can use targeted internal communications and other tactics to help their employees understand asset allocation and empower them to make better choices. Source: Segalco.com, September 2018
Cybersecurity: The Industry's Next FrontierAbstract: Cybersecurity fraud was once a problem reserved for the largest government agencies, credit card companies and banks. However, as these organizations have hardened their security capabilities, fraudsters have shifted their focus to the next tier of banks, as well as financial firms that play in the brokerage, retirement and insurance spaces. Many of these firms are now scrambling to learn from the big banks and quickly implement similar or next generation cybersecurity methods and capabilities. Source: Newportgroup.com, September 2018
Will the Administration's Executive Order Work?Abstract: Over the coming weeks, a question that you're likely to see posed (again and again) about the President's Executive Order is, "will it work?" "Work" in this case means to expand access to workplace retirement plans, for that is the stated policy of the Trump administration in issuing the order. Source: Napa-net.org, September 2018
Employing the Proper Definition of CompensationAbstract: One of the operational failures that is always at or near the top of the DOL's list concerns plan sponsors failing to employ the correct definition of compensation for purposes of performing necessary compliance testing and/or determining benefit allocations. The following article is intended to briefly highlight some of the issues that can occur when the incorrect definition of compensation is employed as well as to provide an explanation of some of the differences between the most commonly employed definitions of compensation. Source: Legacyrsllc.com, September 2018
This Is How Much Money You Need to RetireAbstract: How much are you targeting in retirement savings? There is no lack of suggested targets. But what is the right amount of retirement savings for you, considering your unique circumstances? Start by using a standard retirement savings target and then make any necessary adjustments based upon the suggestions in this article. Source: Lawtonrpc.com, September 2018
Trump Executive Order on RetirementAbstract: President Trump signed an Executive Order on retirement policy. The Executive Order directs the DOL and the Treasury Department to consider regulations or guidance expanding the availability of multiple employer retirement plans, loosening the required minimum distribution rules that apply to individuals over age 70 1/2, and improving notice requirements to reduce the paperwork and administrative burdens for plan sponsors. The agencies have a considerable amount of flexibility in implementing the Executive Order, and we expect them to move quickly to develop proposed rules and other guidance. Source: Groom.com, September 2018
Automatic Enrollment: An Increasingly Available Option With a Large ImpactAbstract: Auto enrollment serves to overcome a worker's inaction, since many workers are stymied by the complex or overwhelming information retirement plans provide. The effect is dramatic: 92 percent of employees participated in auto enrollment plans, with only a small percentage opting out, while only 57% enrolled in voluntary plans. Source: Forbes.com, September 2018
No Quick Exit on 401k Class Action Alleging Imprudent Proprietary Fund OfferingsAbstract: A district court recently denied a motion to dismiss a 401k proprietary fund class action, continuing an overwhelming trend of allowing these cases to survive pleading challenges. On the bright side, however, the Eighth Circuit recently affirmed a dismissal of such a case, and the first of these cases to be tried resulted in a defense victory, which is on appeal with the First Circuit. Source: Erisa-employeebenefitslitigationblog.com, September 2018
Buy Better 401k EducationAbstract: Much 401k education remains heavily investment-weighted and jargon-infested. It was never designed for young, non-numbers-loving people who are yet-to-be-motivated to learn about something they believe they can put off 20 or 30 years. And still today, virtually no learning experts or cognitive scientists have been involved in improving 401k education. This has contributed to making 401k education the largest failure ever of adult education. Source: Dennisackley.com, September 2018
A New Method to Incentivize Young Workers?Abstract: Companies have considered various ways to retain and incentivize their younger, and increasingly mobile, workforce. A recent PLR offers another option: using a 401k plan to provide additional benefits (in the form of a nonelective contribution) to employees who pay down their student debt during the plan year. Source: Benefitsbclp.com, September 2018
How Trump's Executive Order on Retirement Plan Changes Could Affect YouAbstract: Changes could be coming to the way you save and plan for retirement. President Donald Trump signed an executive order to expand access to retirement plans to make it easier for small businesses to offer retirement plans through pooled plans. The directive also asks for a review of current required minimum distribution (RMD) rules. Source: Bankrate.com, September 2018
Trump Signs Executive Order to Boost Retirement SavingsAbstract: President Donald Trump on Friday signed an executive order aimed at boosting retirement savings by giving Americans more time to keep their money in tax-deferred accounts and allowing small businesses to band together to offer 401ks. Trump described the order as a "very bold action to lower the costs of retirement plans so that they can become an affordable option for businesses of all sizes." Source: Politico.com, September 2018
403b Sponsors Finding Success Beating Back LawsuitsAbstract: Beginning in August 2016, law firms took aim at the ERISA 403b market. Many observers expected an even less favorable outcome for 403b sponsors, particularly given their seemingly ad hoc or patchwork plan design and largely unexamined practices of both sponsors and service providers. The early results, however, have been markedly less successful for the 403b plaintiffs. Source: Investmentnews.com (registration may be required), September 2018
Consolidation of Recordkeepers for 401k Plans 'Worrisome'Abstract: Consolidation among recordkeepers in the retirement-plan business has created concern among some financial advisers. While deal activity has waned since a feverish pace of blockbuster acquisitions leading up to 2016, experts believe the frenetic activity will resume within two years' time, especially if there's a downturn in the stock market. And the next round of deal-making is likely to yield some whoppers, they say. Source: Investmentnews.com (registration may be required), September 2018
House GOP Expected to Push Changes to 401ks This FallAbstract: Although it's uncertain exactly what will be proposed, House GOP lawmakers will use existing legislation -- which has bipartisan support -- as a starting point. In that bill, proposals include making it easier for companies to include annuities in their investment options and for small businesses to pool their resources to offer 401ks to their workers. Source: Cnbc.com, September 2018
Trump Order Seeks to Ease Retirement Account Rules for Required WithdrawalsAbstract: The purpose of reviewing rules related to required minimum distributions from 401k plans and IRAs would be to update the calculations used to determine those mandated amounts so retirees can stretch out their savings. The president's order also would ask regulators to consider making it easier for small companies to team up to offer 401k plans to employees. Source: Cnbc.com, September 2018 Looking for earlier information? Go to our Archive. 401khelpcenter.com, LLC is not the author of the material referenced in this digest unless specifically noted. The material referenced was created, published, maintained, or otherwise posted by institutions or organizations independent of 401khelpcenter.com, LLC. 401khelpcenter.com, LLC does not endorse, approve, certify, or control this material and does not guarantee or assume responsibility for the accuracy, completeness, efficacy, or timeliness of the material. Use of any information obtained from this material is voluntary, and reliance on it should only be undertaken after an independent review of its accuracy, completeness, efficacy, and timeliness. Reference to any specific commercial product, process, or service by trade name, trademark, service mark, manufacturer, or otherwise does not constitute or imply endorsement, recommendation, or favoring by 401khelpcenter.com, LLC. | |||||||
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