Our Blog - Surety Matters

What do heroes, heartbreaks and hopes have to do with sponsoring a 401k plan? A whole lot when we pause to remember: ultimately, our duties as fiduciaries are about people—people who aspire to healthy and…
Read Moreabout Heroes, Heartbreaks and Hopes…

Several recent incidents involving the improper access of retirement data by third party call center representatives underscore the important role plan sponsors must play in mitigating cybersecurity threats. Unfortunately, the majority of cyber breaches occur…
Read Moreabout Out of Business In 6 Months?

Loss brings legal complexities. Someone must settle the estate. Enter the personal representative, a fiduciary. This role demands trust and strict adherence to law. Read on for an understanding of the overall duties of personal…
Read Moreabout Personal Representative Duties Explained

Though we associate estate planning with death, the reality is that it’s mostly about preparing to live a good, long life, even as we experience age-related declines. It’s especially wise for women to attend to…
Read Moreabout Age Well: Planning Advice for Women

Recognizing that they will quite likely work into their 70s, Gen Z employees are looking for ways to build breaks (aka micro-retirement) into their careers. Meanwhile, Baby Boomers are returning to work. Both approaches reflect…
Read Moreabout Micro Retirement? Un-Retiring?

With few exceptions, individuals with responsibilities for a company sponsored retirement plan are required, by law, to obtain an ERISA Fidelity Bond. Even outsourcing plan services represents decision-making on behalf of the plan, so the…
Read Moreabout What Is The Purpose Of An ERISA Bond?

All families should take estate planning seriously, but doing so is especially important when a family member has special needs. The cost of care services over a lifetime can be astronomical, making eligibility for public…
Read Moreabout Understanding Special Needs Trusts

Dual trends that do not bode well for most people are: the rising cost of care; and, the tendency toward longer lives. The cost of obtaining care in the face of capacity decline and illness…
Read Moreabout Estate Planning: Include Long Term Care

When someone dies without a will in New Jersey, the Surrogate’s Court in the county where the deceased lived typically appoints an administrator to settle their affairs. Once debts are paid, assets are distributed according…
Read Moreabout Administrator Responsibilities & Bonds in NJ