Regulations/Legal Archives - Page 2 of 9 - Retirement Income Journal

Not Yet Legal in the US: CRITs

By Mark Shemtob Thu, May 20, 2021

Collective Retirement Income Trusts resemble variable income annuities, but without explicit guarantees. These group arrangements could help retirees turn part of their 401(k) or IRA savings into rising income...

Published May 20, 2021

If the DOL Investigates You…

By Kerry Pechter

Here are five FAQs about Department of Labor investigations of retirement plan advisers, and answers from attorneys at the prominent ERISA law firm Faegre Drinker. (Photo: Labor Secretary Marty...

Published May 20, 2021

Secure 2.0: A Booster Shot for Qualified Savings Industry

By Kerry Pechter Thu, May 6, 2021

The proposed bill would allow ETFs in variable annuities and remove the 25% limit on the share of IRA money that can be used to buy a Qualified Longevity...

Published May 6, 2021

A Surprise from IRS about Inherited IRA Distributions

By Wagner Law Group Wed, Apr 21, 2021

IRS Pub 590-B presents a conundrum. It appears to deprive owners of inherited IRAs (already deprived by SECURE Act of the 'stretch IRA') to take distributors annually, rather than...

Published April 22, 2021

DOL releases guidance on fiduciary investment advice

By Editorial Staff Thu, Apr 15, 2021

The Biden Department of Labor evidently wants retirement plan participants to be ready with questions to ask advisers who invite them to roll their plan assets to a brokerage...

Published April 15, 2021

At the Supreme Court, a stress test of ‘best interest’ promises

By Editorial Staff Thu, Mar 25, 2021

'To protect its sterling image, and its share price, Goldman made false statements that it always acted in its clients’ best interest and carefully managed its conflicts,' said...

Published March 25, 2021

Will Biden tinker with tax deferral?

By Editorial Staff Thu, Feb 4, 2021

'Biden will equalize benefits across the income scale, so working families also receive substantial tax benefits' when they save, a former official told the Financial Services Institute.

Published February 4, 2021

What’s up with the ‘ESG’ rule: Wagner Law Group

By Wagner Law Group Fri, Jan 22, 2021

'Given that the slimmer Final Rule is no longer the stranglehold on ESG investing that the original proposal had been, the Biden Administration could decide not to expend its...

Published January 22, 2021

AM Best assesses variable annuity regulatory reforms

By Editorial Staff Thu, Jan 14, 2021

The NAIC's VA reforms 'will serve to diminish the noneconomic volatility..., but ongoing developments related to the pandemic will likely lead to more uncertainty, with potential increases in equity...

Published January 14, 2021

New law to show who qualifies for a PPP loan

By Wagner Law Group Tue, Jan 12, 2021

This article, provided by the Wagner Law Group, explains the modifications made to the Paycheck Protection Program (PPP) by the Economic Aid to Hard-Hit Small Businesses, Non-Profits, and Venues...

Published January 14, 2021

In line with SEC, DOL issues broker-friendly ‘best interest’ rule

By Editorial Staff Thu, Dec 17, 2020

This version of the best interest rule reflects the spirit of the Trump administration. It is much more de-regulatory and less consumer-protective than the Obama administration’s 2016 best interest...

Published December 17, 2020

Election’s Impact on Financial Services Industry: Aite Group

By The Aite Group Thu, Nov 12, 2020

A team of analysts at the Aite Group offers tentative forecasts of the incoming Biden administration's impact on the regulation of the financial services industry in the US. The...

Published November 12, 2020

A Closer Look at CLOs

By Kerry Pechter Fri, Nov 6, 2020

New research into collateralized loan obligations (CLOs), which are helping reshape the investment policies of the life/annuity industry, explores whether they have the same vulnerabilities as the 'CDOs' in...

Published November 6, 2020

Biden’s Retirement Policy

By Kerry Pechter

Biden has made strong promises about fixing Social Security, strengthening labor unions, and helping to finance a green economy. Will he be able to keep those promises? Does he...

Published November 6, 2020

The ‘Securing a Strong Retirement Act of 2020’

By Kerry Pechter Thu, Oct 29, 2020

The House has introduced a sequel to last year's SECURE Act. Once again, legislators have listened to the retirement industry and tried to remove what the industry considers obstacles...

Published October 29, 2020

Two Cheers for DOL’s Lifetime Income Disclosure

By Kerry Pechter Thu, Aug 20, 2020

The Department of Labor's 'interim final rule' on disclosure of estimated lifetime income from 401(k) balances is welcome, but it lacks a critical feature. Public comments might improve it.

Published August 20, 2020

Another Objection to DOL’s ESG Proposal

By Wagner Law Group Thu, Aug 13, 2020

The Department of Labor's recent move to chill the use of "Environmental, Social and Governance" investments in retirement plans has drawn broad criticism--including this comment from the Wagner Law...

Published August 13, 2020

DOL Has Discouraging Words for ESG Funds

By Kerry Pechter Thu, Jun 25, 2020

The DOL has never suggested that fiduciaries should pick a fund that subordinates financial performance to activism. But this proposal lacks the nuance or flexibility that the DOL has...

Published June 25, 2020

DOL requests input on ‘pooled’ 401(k)s

By Editorial Staff

Are regulations needed to limit the potential for conflicts of interest and self-dealing among non-employer sponsors of "pooled employer" 401(k) plans, or PEPs? The Department of Labor seeks feedback.

Published June 25, 2020

Fed chairman promises to do ‘whatever it takes’

By Kerry Pechter Thu, Apr 30, 2020

'A wave of unnecessary insolvencies could do long-term damage to the productive capacity of the economy. That’s a risk,' Fed chairman Jerome Powell (in photo) said Wednesday.

Published April 30, 2020

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