Asset Strategy Retirement Plan Consultants

Monday 06 February

DES MOINES, Iowa — If you had money in the stock market over the past decade, you probably agree that it was one bumpy experience.

It might lead you to think your retirement account didn't fare too well. A new study by Fidelity Investments shows consistent contributions and staying in the market paid off for many, but the gain was due more to a commitment to saving than stellar market performance.

401(k) News

Family Feuds: Who Inherits 401(k) or IRA?

U.S. to Delay New Rules on Pension Plans - Wall Street Journal

401(k) savings proposal gets cold shoulder from panel - Pensions & Investments

Loans From 401(k)s on the Rise

Don't Play Dead With Your Rollover

Roth News

A Roth 401(k) may be in your future - MarketWatch

Ask Next: Reversing Course With Roth IRAs

What Experts Do With Own Roth IRAs

Is a Roth 401(k) Right for You? - Wall Street Journal

New Rules May Extend Roth Conversions to 401(k)'s - New York Times (blog)

Strategies for Effective Retirement Programs

Asset Strategy Retirement Plan Consultants is an independent, fee based consulting and investment advisory firm. We provide unbiased investment advice to both individuals and company sponsored retirement plans; Defined Benefit, 401k, 403b, Employee Stock Ownership Plan (ESOP) & Non-Qualified Deferred Compensation.

WHAT WE DO:

Help plan sponsors create well defined investment strategies and plan design that will assist participants to reach their retirement goals
Advise employees and provide independent investment advice on how to maximize their retirement plan accumulation in accordance with their personal risk profile
Assist in making sure plans are in compliance with the DOL
Work with your trusted attorney, broker, accountant and vendor
Become a co-fiduciary to the plan

WHY ASSET STRATEGY RETIREMENT PLAN CONSULTANTS?

We deliver total retirement solutions to organizations for the recruitment, retention, rewarding and retiring of employees.

We work for our clients and that is the added value of being an independent, registered investment advisor and consultant.

We provide ongoing analysis, benchmarking and investment advice to plan sponsors.

We are a fee based, total disclosure firm-we are not product driven.

VISION:

Asset Strategy Retirement Plan Consultants was formed by individuals that have been involved with providing investment consulting and retirement plan solutions for over 20 years each. Our goal is to help plan sponsors meet and exceed their fiduciary responsibility and making sure participants get the independent investment advice they need to be able to invest and reasonably retire on.

Retirement News

Make Your Nest Egg Last Longer

By ANNE TERGESEN

You probably know the conventional wisdom: When spending retirement savings, drain taxable accounts first, to give the money in tax-deferred 401(k)s and individual retirement accounts more time to grow, and leave tax-free Roth IRAs for last.

Paying Taxes on IRAs

By KAREN DAMATO

I am 78 and have been taking minimum distributions from my IRA. I use TurboTax and haven't encountered a provision to separately account for the after-tax contributions I've made. As far as I can tell, I am paying full tax on my distributions.

The Pitfalls of Inherited IRAs

If you needed a reminder of just how byzantine the rules are that govern inherited IRAs—and the importance of preparing your family for receiving such an account—the IRS just handed you one.