The Quintes Blog

Your employees deserve every opportunity to reach their goal of an ideal retirement – and the Quintes blog is part of our goal to inform both employers and employees of the options and choices available to make confident financial decisions for the future.

How Can Automated Solutions Improve Your Current Plan?

Automating your employees’ savings and investment decisions can significantly impact your employees’ retirement nest egg. Today, we will be going over four ways to automate your plan. Before we get into our main topic, click here for a free copy of our book “The Quintessential 401(k).” The information in this book will help you learn Read More…

3 Types of Investor Emotions

How do emotions impact investment decisions? The concepts we’re about to cover may change the choices you give your employees to help them achieve a healthier financial result for their future. But before we get into that, if you are interested in learning about our process to structure a successful retirement program, click here for Read More…

Help Your Employees Save for Retirement With the Rule of 72

How much do your employees need to save for retirement? As a rule of thumb, they should save a minimum of 10%. Some will need to save a higher percentage if they do not have other savings or investments or started saving late, while others may need to save less if they have other outside Read More…

America’s Savings Crisis: What Can We Do About It?

Welcome to our series, where we will be offering up our secrets to creating successful retirement outcomes for you, as the plan sponsor fiduciary, and your employees. Today we’re going to explain why America has a savings crisis and the process we’re proposing to support your employees’ ability to secure retirement outcomes for themselves and Read More…

Welcome to My Brand-New YouTube Channel

Welcome to my video blog! If you currently sponsor a 401(k) plan and want to evaluate that plan, we can be of service. We’ll help design a plan to help you create secure retirement outcomes for your employees and help you understand your role as a fiduciary. I just want you to know we’re here Read More…

Our 1% Challenge

Are you saving enough for retirement? Does it feel like the amount needed to stow away for retirement is too much?  It can sound like something hard to do when you hear a person should be contributing 12%- 15% of their salary toward their retirement account.  This is especially true if you are accustomed to Read More…

401(k) Participants Under 30: The “Do It For Me” Attitude

Millennials have a reputation from some people in “older” generations of being entitled and sometimes lazy. Millennials will tell you they feel independent and confident they will accomplish their goals on their own terms. So how do we design retirement plans to get younger participants to start saving and increase their savings over time to Read More…

How much money should you have saved in your 401(k) at your age?

We all know we need to be saving for retirement. The Department of Labor (DOL) says we should be saving 12-15% of our income to replace 80% of our current salary for our retirement years, that 80% income replacement ratio includes Social Security. The 12-15% savings rate is assuming we are perfect savers, meaning we Read More…

401(k): Should you care if your employees are financially well?

When we meet with CEOs, CFOs and HR Directors we consistently hear what is most important to them in regards to their employees. They are trying to increase productivity, attract and retain talent and improve employee engagement. Here are a few reasons why an employer should care if their employees are financially well. Productivity This Read More…

401(k): When is the right age to start planning for retirement?

One of the hardest aspects of working with new retirement plan participants is telling them they can’t retire when they want to, but one of the best aspects is being able to tell plan participants that it is possible to meet their retirement goals. We work with both types of plan participants—those who are proactive Read More…