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Strengths and weaknesses of financial literacy
Strengths and weaknesses of financial literacy
Strengths and weaknesses of financial literacy
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he GRP Select Employer Retirement Plan
Provide a superior retirement plan, have potential cost savings, and spend less time with plan administration
The advantages of the GRP Select Employer Retirement Plan
Potential cost savings
• Complete open architecture
• No costs associated with plan document maintenance, restatement or amendment responsibilities
Participant education and resources,
Empower Retirement
• Online tutorials
• Award-winning participant education
• Quarterly statements
• Electronic participant newsletters
• Online requests for loans, distributions and hardships
• Online investment fact sheets and prospectuses
• Annual fee disclosure statements
• Onsite participant education*
*minimum of 15 employees must attend
Fiduciary support
…show more content…
Core securities, when offered, are offered through GWFS Equities, Inc. and/or other broker dealers.
GWFS Equities, Inc., Member FINRA/SIPC, is a wholly owned subsidiary of Great-West Life & Annuity Insurance Company. Recordkeeping and administrative services are provided by Empower Retirement.
Empower Retirement refers to the products and services offered in the retirement markets by Great-West Life & Annuity Insurance Company (GWL&A), Corporate Headquarters:
Greenwood Village, CO; Great-West Life & Annuity Insurance Company of New York, Home Office: NY, NY; and their subsidiaries and affiliates. The trademarks, logos, service marks and design elements used are owned by GWL&A. ©2017 Great-West Life & Annuity Insurance Company. All rights reserved. 05/2016 PT265823
FOR PLAN SPONSOR OR BROKER USE ONLY. Not for Use with Plan Participants.
Unless otherwise noted: Not a Deposit | Not FDIC Insured | Not Bank Guaranteed | Funds May Lose Value | Not Insured by Any Federal Government
You have received a variety of key features documents to help you decide which pension product to have. If you have any queries regarding the key features documents, or anything about this suitability report then please do not hesitate to contact us. This document should be kept with your client agreement, and these documents were given to you at your last meeting.
Wolford General Partnership (WGP) operates plumbing supply business which is also an exclusive supplier for certain stable construction firms. Because of its excellent reputations and services, WGP is able to an extremely profitable entity for the business. WGP uses an accrual method of accounting and has been using June 30 fiscal year for the tax report purpose after its election of §444 since its formation.
Which sense that, Sun Life earns more net income per $1 of sales than some or even most of its competitors. Sun life’s days’ sales uncollected 58.8days7 is favorable when compared to its industry’s average of 98.59 days. This means that Sun Life access its money in receivables faster than some or most of its competitors. Sun life’s equity ratio shows that the owners of the company only owns 10.18%8 of the company’s assets. Compared to its industry average, Sun Life can be rated as more favorable. Sun life’s debt ratio of 90.35%9 is higher than its equity ratio this is considered risky because the huge percentage of its asset is supported by debt. However, Compared to its industry average of 93.2% it is still considered favorable. Sun life’s return on total assets is 0.798%10 this favorable compared to its industry average of
Investment opportunities with pension plan members to offer them additional services (cross-over), as well as to reinvest their pension plan earnings after they retire (roll-over). Competitors are fleeing the under one (1) million dollar segment, which represents 8.9 million households. New opportunities for online transactions, which are low cost and easy to use.... ... middle of paper ... ...
As of October 17, 19996, Mr. Bruce Goldberger has been a Client with VALIC (Variable Annuity Life Insurance Company) under his Employer (University of Florida) sponsored group plan. Mr. Goldberger currently has 8 active contracts with a combined total of $632,571.25. Mr. Donald Hartman has been Mr. Goldberger’s appointed agent as of 2015.
The California Public Employees' Retirement System (CalPERS) was established in 1932 as State Employee's Retirement System (SERS), which was a friendlier alternative to keeping older workers on the payroll. The funding for CalPERS comes from: contributions from employers, contributions from employees, and money that the pension fund would gain by investing those contributions. CalPERS has come to be known as a monstrosity because of its poor investment choices. A recent controversial investment decision made by the fund was to invest in real estate.
1. I believe the criteria that should be used to determine potential layoff candidates are job seniority, job performance, acquired skills, and the ability to further develop and assist the company in moving forward. With seniority, employers can determine which employees are the most loyal to the company and those that are the most familiar with their jobs and the objectives of the company. Performance is also an important facet to consider; it makes no sense to retain a poor to average performing employee because they have more seniority than recently hired, exceptionally performing employee that is more likely to contribute to the company’s advancement. I also believe that employees with useful skills should be given preference over unskilled employees who may not be preforming adequately or require additional training to attain the skills needed to do their jobs. Finally, in their ultimate decision of who to layoff, companies
Over 217,000 employees work for the 73 businesses with the annual revenues of $98.539 billion in 2006 (Yahoo finance, 2007). However, only 19 employees work at home office located in Omaha. One of the companies that Berkshire Hathaway holds is GIECO (Government Employees Insurance Company). In 1994, GIECO was wholly owned by Berkshire Hathaway. Its market share was increased from 2.7 percent to 4.1 percent with additional $590 million in cash from operating earnings in spite of decline in in...
Business Insurance News, Analysis & Articles. Web. The Web. The Web.
Annuity is known as the set of equal series of payments, which is made each year. Previously, people used to pay a specific amount to the governments and in return the government used to give benefits to those people. There are several characteristics of annuity such as it is considered as a viable investment driver, which is only considered as the only suitable option in commercial investments because of the nondeductible nature of the annuity. In addition to this, there is no limit as well and annuity holder could invest unlimited funds in an investment and contribution plan.
Report 2: Issues in Employment (Chapter 9). The relationship between employees and employers is often confusing and blurry. Who has the upper hand? Who is in control of the e-mail?
J. David Cummins, A. S. (1999). Changes in the Life Insurance Industry: Efficiency, Technology and Risk Management: Efficiency, Technology, and Risk Management. Springer.
Employment law (EL) is the body of law which oversees the relationship between employers and their employees. Employment law is a broad field but key elements of employment law are the employment rights which are instructed upon both the employee and the employer. The Employment Law covers key elements such as Pay, Discrimination, Equality, Employment rights, responsibilities, health and safety etc.
The personnel Management and Human Resource management are same processes. Human Resource Management known as personal management, it is formal system for the management of the workers organization. History of Personnel Management group of people becomes an organization when they cooperate with each other to achieve same goals. But people have individual motivations, which often differ, from the corporate goals. An effective organization is one which succeeds in getting people to accept that cooperating to achieve organizational goals also helps them to achieve their own goals provided they are adequately rewarded through extrinsic and intrinsic rewards. This is achieved primarily through leadership and motivation. Employers therefore increasingly
While employment agencies can provide the above benefits to companies and job seekers alike, not all agencies are necessarily the right match. Depending on the needs, either as an employer or the job seeker, different agencies might be more suited for you. Therefore, you want to pay attention to finding the right match.