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    Books for Financial Advisers & Small Business Owners

    A snapshot from presenters at the Financial Planning Association of Minnesota 2018 Symposium and what they are reading.Earlier this week in downtown Minneapolis, the Financial Planning Association of Minnesota hosted their annual Symposium for financial advisers, two full days worth of networking, CE, and traversing through the skyway. Previously recognized on the Nerd's Eye View Blog as the best conference in terms of value for advisers - quality of speakers, amount of CE, size, and affordabili...  Read More

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    401(k) Plans Get a Bump in 2018

    After three years of no increases to annual contribution limits, the IRS announced today that for 2018, the limit will increase by $500 for 401(k), 403(b), and 457 Plans.Typically announced in mid-October, the predictions were pretty much right on.Not every type of retirement plan received an increase to their contribution limit - for the fourth year in a row, SIMPLE IRAs will only be allowed to set aside up to $12,500 which is $6000 to $9000 less than those with 401(k) accounts (and if they wer...  Read More

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    10 Features Every 401(k) Needs...Today

    Don't let your 401(k) plan go stale - use this guide to see where you can add value to your company's plan and make it easier for your employees to save for retirement.1. Employee contribution limit maxed out to 100%The IRS allows an employee the lesser of 100% of his/her compensation or $18,000* to be contributed to their 401(k) account. In some instances, 401(k) plans may have been adopted (i.e. started or created) by an employer that limited the parameters of the plan for one r...  Read More

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    Cutting the Cord: A Fiduciary Standard Analogy

    For the last couple years, the DOL Fiduciary Rule has been talked about ad nauseam - unfortunately that still doesn't mean it's fully understood by consumers or professionals in the industry for that matter. The fact that a majority of financial service industry firms, associations, and even Chamber of Commerce groups have challenged & oppose the ruling haven't helped the situation.That being said, a few months before the rule went "live," a fellow financial planner, Meg Bartelt, s...  Read More

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    A Trump Tax Update on 401(k): Why Words Matter

    On Wednesday, April 26th, 2017, President Donald Trump presented his latest plan for tax reform with a press conference accompanied by a seemingly straightforward document that outlined the goals of the plan. Highlights from the plan included getting rid of the Alternative Minimum Tax (AMT), doubling the standard deduction while doing away with most itemized deductions (we'll come back to this in a moment), and reducing the amount of tax brackets from 7 to 3. But just like any quality ...  Read More

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    A Path of Least Resistance: Why Your 401(k) Should be More Like Amazon.com

    There are a lot of reasons why the online behemoth retailer Amazon.com is so popular, but what they've been able to do so well is master the art of convenience. One-click shopping. Subscription based buying.   Read More

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    401(k) Double Dipping: 3 Ways Your 401(k) Plan Is Being Double Dipped for Fees

    Just like it's not cool to double dip your chip at the company pot luck, it's also not very cool when you find out you're paying a lot more in fees for your 401(k) than you were originally led to believe.So, is your 401(k) service provider double-dipping? Here are a few ways that service providers could be double-dipping on their fees at your expense and what actions you should take so you can be a retirement plan hero for your employees! 1. Proprietary FundsThe most obvious "double-di...  Read More

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    FinTech & 401(k): Disruption or Distraction?

     Oil changes. Pizza delivery. Flights to Vegas.   Read More

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    Designations, Please!

    You know CPA means tax professional and CFP means financial planning, but if you're in the market for a financial advisor, you may have noticed other financial designations and wondered what they stand for. Here's a cheat sheet to help you navigate the wonderful world of financial designations.Letters after a name mean some sort of authority and credibility, sure. But, not all letters carry the same amount of expertise. You just want to be sure you understand what your financial professiona...  Read More

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    Why Hiring a Financial Advisor is the Best Kind of Peace of Mind

    Choosing a financial advisor is no easy task. With so many financial professionals available to you, deciding on the right one can take a lot of consideration. Here are 4 important characteristics to look for in a financial advisor you work with and why hiring one provides the best kind of peace of mind.  When it comes to your investments, your savings, and your income, you don't want to leave anything to chance.   Read More

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    Choosing Between Financial Advisor or Robo Advisor

    Here’s what you need to know about financial advisors vs. robo advisors. Maybe you don’t need to choose between them at all.For some, it may seem innovative and perhaps even comforting to have a computer take over for financial advisors.   Read More

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    10 Straightforward Ways to Choose the Right Financial Advisor

    Choosing the right financial advisor doesn’t need to be complicated. In fact, I’d argue that it should be a straightforward process that enables you to make an objective decision. Whether you are currently working with a financial advisor and considering a switch or you have never worked with one before, there are a series of things you can do to choose the right financial advisor for you and your financial needs.1. Ask AroundIt is never a bad idea to find out who other people are using and...  Read More

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