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We publish newsletters regularly. Check back often for free, useful information that employers need to optimally run their employee benefit and retirement plans.

ITR Economics: Insights from the ITR Economics CEO – Five Inhibitors Between You and Capital Appreciation in Equities
Oct. 17, 2018

We think there are four variables presently at work that are inhibiting stock market rise and one variable that typically means the market has gone as high as it can for the current cycle. The five mitigating variables are...

The Retirement Income Gap and Helpful Hints for Plan Sponsors
Oct. 6, 2018

The Retirement Income Gap

Many American workers participate in company retirement plans, methodically contributing to their accounts over time to fund for life after work. Beyond benefiting from employer-funded plans, retirees commonly draw from additional savings tucked away in IRAs or after-tax savings accounts as well. Add Social Security payments to the mix and it should be a recipe for a secure retirement, right?  

Read more by selecting the pdf below...

Helpful Hints for Plan Sponsors

Being a plan sponsor comes with a good bit of responsibility. You’ve taken the important step of hiring a third-party administration firm to help you navigate the myriad of processes that are required to keep your plan in compliance with applicable regulations. Below are a few helpful hints to keep your plan in compliance, avoid unnecessary corrections, and help to better serve your participants. 

Read more by selecting the pdf below...

ITR Economics: Insights from the ITR Economics CEO – Tariffs More than a Tiff
Sep. 20, 2018

We think there are four variables presently at work that are inhibiting stock market rise and one variable that typically means the market has gone as high as it can for the current cycle. The five mitigating variables are...

ITR Economics: Insights from the ITR Economics CEO – 10 Reasons There is No Russian Equivalency
Jul. 25, 2018

Militarily speaking, Russia is a powerful country; some might say even on par with the US. We are economists, however, not politicians. Accordingly, we think in metrics and mathematical terms. Economically speaking, there is no equivalency between the US and Russia.

ITR Economics: Insights from ITR Economics CEO - Five Inhibitors Between You and Capital Appreciation in Equities
Jun. 22, 2018

We think there are four variables presently at work that are inhibiting stock market rise and one variable that typically means the market has gone as high as it can for the current cycle. The five mitigating variables are:

  1. Individual investors have gone heavily into this market; which tends to mean it is overbought.
  2. The Cyclically Adjusted Price Earnings (CAPE) ratio is sufficiently high to suggest less-than-inflation rates of return ahead on average for the next five years.
  3. Corporate profitability is going to need a significant lift from the tax changes to return the S&P 500 to a rising trend, and such a lift is not a slam dunk.
  4. The specter of a trade war is creating uncertainty.
  5. This is a mid-term election year.


 

ITR Economics: Insights from our CEO - Four Reasons Why Secular Stagnation Does Not Describe the US
May. 25, 2018

“Secular stagnation” is meant to describe a market-based economy that experiences slow growth or no growth. Secular is used to imply a long-term condition as opposed to the cyclical variety with which we usually deal.

Benefit Insights: Who is an Employee and HSA vs 401(k)
May. 3, 2018

Who is an Employee?

Maintaining a retirement plan for your employees is no easy task. At various points during the year, employers and HR departments field participant questions, help with enrollments, deliver notices and statements, and participate in the distribution process. However, an additional responsibility, and one of the most important, is the collection of data that is used for compliance testing and government reporting. Learn more by selecting the Newsletter attachment below...

HSA vs 401(k)

If your company has decided to offer a high deductible health plan, don't worry, you are not alone. Recent studies show that an increasing number of employers have elected to offer high deductible health plans (HDHP) either to completely replace or be offered in conjunction with a more traditional Health Maintenance Organization (HMO) plan or Preferred Provider Organization (PPO) plan. Learn more by selecting the Newsletter attachment below...

 

ITR Economics: Insights from ITR Economics CEO - Follow the Money
Apr. 12, 2018

" Follow the money” is very good advice at this stage of the business cycle and the trend through April 24 was not encouraging.

ITR Economics: Insights from ITR Economics CEO, Brian Beaulieu – Moonwalking Tariffs
Mar. 30, 2018

"The Trump Administration decided to exempt the European Union, Argentina, Brazil, South Korea, and Australia from the steel and aluminum tariffs that went into effect on March 23. Below is a list of the top 11 sources of imported steel into the US."

ITR Economics: Insights from ITR Economics CEO, Brian Beaulieu – Three Steps to Prepare for 2019 Business Cycle Decline
Feb. 28, 2018

"We are at that point in the business cycle when the leading indicator signals become “mixed.” Our leading indicator methodology is set up to account for this. We wait until two, then five, and ultimately 10 indicators have flipped from rise to decline, as is the case for 2017-2018."