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

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?