Anne Webster Retires from Beltz Ianni & Associates

In this issue: Go to the Head of The Class; Master these Social Security lessons Find your Happy Place; Follow 3 tips to help reach a state of happinsess daily The Many Faces of Risk; knowing the different types of risk to cope with market volatility.

In This Issue: Want to Improve Retirement Outcomes? See what employees need to understand Pondering the Next Stage in the Evolution of Retirement...a survey confirms Plan Sponsors Ask...Q&As

In this issue...Read the challenges that will teach important lessons, that emerged from 2020 Retirement assets grow, but are some being left behind? and Q&As from Plan Sponsors

In this issue we will cover: Annual Maintenance check with a 5 point inspection. Catching a Phish. Money Well Spent. Retirement in Motion; tips and resources everyone can use.

Michelle Cannan makes NAPA's 2021 List of Top Women Advisors

In this issue we will cover: Growing your Financial Garden; How making a realistic budget can help you make a better financial future. Going Green; Help sustain the environment with these practical money-saving tips. Early Exit; Thinking of retiring early? Here is what you will need to know. Retirement in Motion; Tips and resources that everyone can use!

Rochester, NY, August 16, 2021 - Beltz Ianni & Associates announced today that Partner and Client Advisor, Stephen Howles has attained the CERTIFIED FINANCIAL PLANNERTM and CFP® marks from the Certified Financial Planner Board of Standards, Inc.

In this edition we will cover: Record Gains and New Highs: There is some good news, after all. Covid-19 Impacts Retirement prospects for each workforce generation. ...and a Q&A for Plan Sponsors that you may find helpful. New ones are populated with each issue!

Beltz Ianni & Associates is pleased to be named a NAPA Top DC Advisor Team for the 3rd year in a row. The National Association of Plan Advisors ("NAPA") has published its list of the nation's top defined contribution (DC) Advisor Teams and includes the retirement plan services team at Beltz Ianni & Associates.

Check out the services our Total Retirement Plan Management Team can provide.

A long term strategy that may help your portfolio weather the market's ups and downs. We hope you will find it helpful.

The Internal Revenue Service (IRS) in the November 24, 2014 issue of Employee Plan News released this summary of allowable transfers to and from plans and IRAs. Get to know your rights with regard to your retirement accounts.

"No matter what you do for a living or where you are in life, there's always an opportunity to better protect yourself and your loved ones."

In this edition we will cover: Four Risks Participants may not know they are facing; life involves risk and one of them is retirement. Do your employees understand their risks and actions they should take to manage it? The Pandemic's Impact on Savings Behaviors; Comparing the Past with the Present and providing you with Covid-19 Resources that may help. and a Q&A for Plan Sponsors that you may find helpful as the end of the year is upon us, which we provide new ones in each issue.

In this issue we will cover: 7 age milestones that can impact retirement planning Fiber Optics - Celebrate Heart Month by putting more fiber in your diet Higher Learning with 529 plans making more sense than ever. Retirement in Motion; Tips and Resources you can use.

In this edition we will cover: Careful planning can help you manage competitive financial priorities.  With a little planning, you can develop a strategy to cover expenses and still stay on track for retirement. One for the Ages: Consider the "trade-offs" before deciding what age to start Social Security benefits. Tap into the Power Nap: With everything going on around us, we may need to revert back to the days of "power naps" , which will provides a variety of health benefits we all need. Retirement in Motion: Tips and Resources you can use.

In this edition we will cover: What challenges women are facing in saving for retirement and how marital status makes an evident difference. What the SECURE ACT changes that loom, so make sure you check off these items from your "to-do" list! and finally.... a Q&A for Plan Sponsors that you may find helpful as the end of the year is upon us.

We have updated our Newsletter!!! It will be published quarterly instead of monthly! Check it out! ...In this edition: we will cover "Communicating Through Volatility" with 2 key reminders to share with participants that could help them alleviate their fears; "Fiduciary Issues and Coronavirus": What You Should Know; Common Plan Sponsor Questions and Answers are shared; and finally, a Common Plan Sponsor Last Quarter Calendar and what it should look like.

We have updated our Newsletter!!!  It will be published quarterly instead of monthly! Check it out! ...In this edition: we will cover a "Variety Pack" to give you tips on maintaining a diversified portfolio that can help you feel more in control during uncertain economic times; Strategies to help survive the ups and downs of the market with "Riding it Out"; Five ways to keep moving forward in the age of social distancing via "Forward Thinking"; and finally, Tips and resources everyone can use for Retirement in Motion.

It is important to do regular check ups on your retirement plan to make sure you are on track to reach your retirement goals.  There are a few questions to ask yourself, at least annually, when doing this. Check them out in this month's issue.

In this issue: Back to School for Fiduciaries!! Time to review your "to-do" list of responsibilities and ask yourself some very important questions! What is the Fastest Growing Investment Vehicle within 401(k) plans?? Collective Investment Trusts (CITs) are now playing an important role in the markets and the advantages of CITs are plentiful. Allowable Plan Expenses: Can the Plan Pay?... Check out the General Principles of Allowable Expenses Included. ...and in the Participant Corner: Have you done a Retirement Plan Check-up? This will help with making sure you are on track to reach your retirement goals.

Encourage employees to make small lifestyle changes to reduce their out of pocket health costs. This memo shows the difference in savings between an average-managed patient and a well-managed patient.

In this issue: Are your participants experiencing a fee imbalance?...Many plans have not yet addressed participant fee levelization. Also in this issue... Why you need to communicate with employees...Gossip can be dangerous, creating an open communication culture encourages questions, to name a few. What constitutes proper documentation of retirement plan committee meetings?...From a fiduciary perspective, it is just as important to properly document these meetings, as it is to hold the meetings.

Rising healthcare costs are on everyone's mind, even for affluent people. Start Budgeting, Look at Long Term Care Insurance, and Get Healthy.

Is it time for a Plan Refresh? The duty to provide participants with sufficient information to make consistently informed retirement investment decisions is a basic fiduciary responsibility under ERISA Section 404(a); Beware of the IRS and DOL: Four Red Flags They Seek on Form 5500; How and When to Pay Plan Expenses with Plan Assets; How can You Prepare for Healthcare Expenses in Retirement?

Start Saving Now and Learn the Basics of Saving and Investing, Avoid Common Mistakes, Focus on Three Critical Coomponents of an Investment Plan, Monitor the Plan and Adjust as Necessary.

In this issue: Should your Company Implement a Student Loan Assistance Program? By doing so, you'll attract, retain and engage top college-educated talent at your company; Complying with ERISA 404(c); Are you Ready for an Audit? Several events can trigger a DOL or IRS audit; Four Basic Steps for a Successful Retirement. We know that most plan participants are not financial experts, and that can make planning for retirement difficult. Fortunately, there are some basic steps that you can follow to work toward a successful retirement.

Life is a series of decisions. Start Saving Now, Wait to Take Social Security, Delay Retirement as Long as Possible, Opt for Retirement Plan Matching and Don't touch Your Retirement Plan until Retirement.

In this issue: Closing the Retirement Gender Gap: How Retirement Plan Advisors Can Help. Despite the fact that women tend to live longer, female workers typically have lower retirement account balances than their male counterparts; Another Way to Save: There is a New Tax Credit for Plan Participants and fewer than 4 in 10 U.S. workers know about a tax credit that may help them save for retirement; Addressing Employee Education Strategically, An educated employee is an empowered employee, especially when it comes to retirement savings and financial wellness; Five Key Decisions for a Successful Retirement.

Retirement planning can often seem complicated and daunting. Really though, most of the actions a person needs to take for a confident retirement are very simple. Check out these simple tips.

In this issue: Considering a Traditional Safe Harbor Retirement Plan? It may advantageous for a plan sponsor to consider adopting a traditional safe harbor design for their retirement plan. There are many things to consider; Is your Turnover Rate Routine? What you need to know about partial plan terminations; Tips for Preventing Uncashed Retirement Checks as they can be a nuance for plan administrators; Simple Secrets for Retirement Success. Planning can often seem complicated and daunting, though many actions you need to take to work toward a confident retirement, are very simple.

Over 40 percent of employers now offer at least a small retirement plan match to employees. Get the details, Don't be afraid to Contribute More, and Don't Assume that You're Enrolled.

In this issue: Too Many Choices-How Many Investment Options Should You Offer? - Choice Overload, Looking at Plan Options, and Rising Costs of these options; Target Date Funds (TDFs) and Fiduciary Obligations - establishing an objective process for comparing and selecting TDFs; Participant Memo- Take Advantage of your Company's Retirement Plan Matching Program - get the details and don't assume you're enrolled.

Planning for the departure of a loved one is a difficult thing to think about, but no matter how delicate, it's important to think about what happens to retirement accounts when you, your spouse, or partner pass away.

In this Issue: Financial Wellness and Productivity: How are your Employees Affected? — Letting you know Who's At Risk and Effects of Financial Stress; Why CFOs Should Consider Partnering with a Retirement Plan Advisor; and Improving your Retirement Plan by Encouraging Employees to Join.

When it comes to retirement planning, you want to ensure what to do if/when you change employment, what the best options for earnings on your investments are, and what sources of income to rely on at retirement.

In this issue: The Benefits of Matching Retirement Contributions - a few reasons why offering a retirement match helps your business; The More You Know - Automatic Enrollment Notices; Top Ten Fiduciary Responsibilities - a plan fiduciary plays an important role in the organization's financial health; and Four Tips for Increasing Your Retirement Dollars.

Retirement is a whole new phase of life. You'll experience many new things, and you'll leave others behind - but what you won't avoid, is taxes. You may have to pay taxes on other types of income. With that in mind, it will make sense for you to develop a retirement income strategy.

In this issue: Keeping in Compliance; The Top Three Reasons to Outsource Fiduciary Services; Beat Rising Healthcare Costs with a Financial Wellness Program; and Participant Corner: Three Tax Tips that Can Help as You Approach or Begin Retirement.