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Helping Employees Retire Well w/ Fred Rutler
Manage episode 440396135 series 3004053
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Fred Rutler is a Managing Director at Creative Planning Retirement Services where he helps companies create and manage various employee retirement programs.
Mentioned on the Show
- Connect with Fred Rutler on LinkedIn: https://www.linkedin.com/in/frutler
Timestamps
(2:10) - Welcoming Fred.
(3:18) - What are the different vehicles companies are using for employee retirement planning?
(4:44) - What is a Non-Qualified Deferred Comp plan?
(6:00) – What’s the difference between a 401k and a profit-sharing plan?
(8:36) - Do you advise employers to do away with profit sharing completely or some match and some profit sharing?
(10:11) - Is 10% the amount an employee should be saving for retirement?
(15:24) - When would it not be appropriate to have employees in the plan?
(21:05) - What is an employer's fiduciary responsibility and what are the consequences of doing it wrong?
(23:38) - How often does it happen where somebody gets individually punished for violating their fiduciary responsibility?
(26:16) - What do the numbers 321, 338, and 316 mean?
(31:04) - What are Pooled Employer Plans (PEP Plans)?
(33:46) - What makes a good 401k investment lineup?
(37:26) - Are Target Date Funds still the recommended approach?
(43:48) - Why is 45 the age when you need to start paying particular attention to asset allocation?
(45:27) - Is AI starting to play a role in retirement planning?
(47:01) - What are the biggest financial wellness needs for employees?
(55:05) - Where do you see the future of retirement planning?
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