April 2012 Economic & Financial Market Analysis   Q1 2012 S&P 500 TR USD DJ Industrial Average TR USD NASDAQ Composite PR USD Russell 1000 Value TR USD Russell 1000 Gro... Read more...

January 2012 Economic & Financial Market Analysis Over the last twelve months there has been no shortage of events and headlines shaping the global economy. While the impact has been realized by many of the events, the uncertainty of the others remains. Following is a summary of those events and the related fallout:&nb... Read more...

In the pass we have discussed the ‘how’s & why’s’ of how you can impact valuable, lifelong lessons and financial legacies for your loved ones – more specifically - your children. Children who inherit significant wealth are all too often under pre... Read more...

  Will employees and employers win… or lose?  At the time employers began rolling out 401(k) savings plans for their employees, the message was clea... Read more...

New SEC Proposals The Securities and Exchange Commission's recent preliminary proposals to have target-date funds show their asset allocations have been broadly welcomed, however there are questions about whether the proposal... Read more...

When the stock market plunged during 2007 and 2008, the retirement savings millions of American investors plunged along with it. Since so many of these retirement savings plans were 401(k)’s, the effectiveness and true value of this ‘solid’ retirement savings vehicle came into question for many. Everyone from industry experts, media outlets nationw... Read more...

 Retirement fund lineups are often constructed with the plan provider's revenue target as the foremost consideration. By offering proprietary mutual funds as well as non-proprietary funds under revenue sharing arrangements, participants may pay unnecessarily high fees for fund offerings. ... Read more...

In a 401(k) plan, a participant’s account balance determines the amount of retirement income he/she will ultimately receive from the plan. Plan fees and expenses can substantially reduce the growth of a participant’s account. For several months, Congress has been working on ways to increase fee disclosure and guarantee there is no conflict of interest in the investment advice given to plan participants. This way, plan advisors are truly ... Read more...

By: Matthew Kopsky - President HM Capital Management Buy and sell – two words that will always come into the discussion when it comes to your investments.  But there are times when we need to add one more word: hold.  You might be able to accomplish this through a market neut... Read more...

 As more and more companies are bringing back matching programs, the Federal Government is taking aim at target date funds and how they work in retirement plans.  Are they good or bad? Will they be enough to build the nest egg that you need? What are Target Date Funds? Target date funds have been... Read more...

 Uncertainty in the American economy has shaken the once solid faith in the stocks and bonds system. What once was an easy decision to sign on the dotted line now makes you think twice about where you put your money. Should I enroll in my company’s 401(k)? Are they matching? I’ve lost so much already, what should I do now? ... Read more...