(414) 828-401k (4015) bob@lawtonrpc.com
  • Facebook
  • Twitter
  • Google
  • LinkedIn
  • Facebook
  • Twitter
  • Google
  • LinkedIn
Lawton Retirement Plan Consultants, LLC
  • Home
  • About
    • LRPC
    • Robert C. Lawton
  • Services
    • Fiduciary Pledges
    • Service Guarantees
    • Services
      • Employee Education
      • Fiduciary Compliance
      • Investment Advisory
      • Plan Benchmarking
      • Plan Design
      • Provider Services
    • Why Hire LRPC?
  • Resources
    • Resources
    • 401k Best Practices
    • Employee Education
    • Fiduciary Compliance
    • Investments
    • Plan Benchmarking
    • Plan Design
    • Provider Reviews
  • The 401k Blog
  • Contact
Select Page
401k Best Practices: Employee Education

401k Best Practices: Employee Education

by Robert C. Lawton | Mar 17, 2018 | Employee Education, Plan Sponsor Insights

Many experts don’t believe that 401k employee education works. The challenges of educating adults, who may not be excited to learn more about their 401k plan, are sometimes difficult to overcome. What can plan sponsors do to make their 401k employee education...
Using Behavioral Economics To Help 401k Participants

Using Behavioral Economics To Help 401k Participants

by Robert C. Lawton | Nov 30, 2017 | Employee Education, Plan Sponsor Insights

We are often our own worst enemies. This certainly applies to how we manage our 401k plan accounts. Listed below are obstacles that 401k plan participants need to overcome to propel themselves successfully down the road to retirement readiness. Some of the obstacles...
Key Ways To Help Your 401k Participants Become Better Investors

Key Ways To Help Your 401k Participants Become Better Investors

by Robert C. Lawton | Oct 28, 2017 | Employee Education, Plan Sponsor Insights

Your 401k plan participants have developed bad habits and make many 401k investing mistakes. Dalbar calculates that for 2016 the average equity investor earned a little more than 7% while the S&P returned nearly 12%. Many of those investors are 401k plan...
Educate Your Employees On Using HSAs In Retirement Planning

Educate Your Employees On Using HSAs In Retirement Planning

by Robert C. Lawton | Sep 4, 2017 | Employee Education, Plan Sponsor Insights

With health care open enrollment season quickly approaching, 401k plan sponsors may want to spend some time educating participants on the use of Health Savings Accounts (HSAs). If you offer a High-Deductible Health Plan (HDHP) to your employees, they probably have the...
401k Loans: The Worst Possible Investment

401k Loans: The Worst Possible Investment

by Robert C. Lawton | May 2, 2017 | Employee Education, Plan Sponsor Insights

Taking a 401k loan is such a bad investment choice that it should not be allowed in any 401k plan other than for hardship reasons. And yes, it is an investment because when plan participants take 401k loans, they become one of the investments in their accounts....
Are 401k Plan Loans Double Taxed?

Are 401k Plan Loans Double Taxed?

by Robert C. Lawton | Apr 18, 2017 | Employee Education, Plan Sponsor Insights

Are 401k plan loans double taxed? As outlined in the example below, it appears that the principal amounts of 401k loans that are distributed at retirement are taxed at a rate that is more than double that of a participant’s incremental tax rate. Example   Loan...
The 10 Biggest 401k Plan Misperceptions

The 10 Biggest 401k Plan Misperceptions

by Robert C. Lawton | Apr 4, 2017 | Employee Education, Plan Sponsor Insights

Having worked as a 401k plan consultant for more than 30 years with some of the most prestigious companies in the world (e.g.; Apple, AT&T, IBM, John Deere, Northern Trust, Northwestern Mutual), I am always surprised by the simple but significant 401k...
What’s The Right 401k Contribution Rate?

What’s The Right 401k Contribution Rate?

by Robert C. Lawton | Jan 24, 2017 | Employee Education, Plan Sponsor Insights

The most frequent question I receive from 401k participants is, “How much should I contribute?” My answer is always the same, “As much as you possibly can.” That never seems to satisfy anyone, so I typically go on to explain the following. The...
What Retirees Wish They Would Have Known

What Retirees Wish They Would Have Known

by Robert C. Lawton | Sep 6, 2016 | Employee Education, Plan Sponsor Insights

Your employees have hopes and dreams about what their retirements will look like. Right now they are following a retirement planning path they hope will lead to a better way of life when they are no longer working. Unfortunately, there are many stumbling blocks and...
Help Your 401k Participants Make Better Investment Decisions

Help Your 401k Participants Make Better Investment Decisions

by Robert C. Lawton | Jul 26, 2016 | Employee Education, Plan Sponsor Insights

Every time we experience volatility in the markets, some of your 401k plan participants decide to sell out of equities (locking in losses) because they get scared. Others know they need to increase their contribution rate to capture your maximum company match, but...
« Older Entries

Recent Posts

  • Seven Signs Of A Successful 401k
  • Stock Market Volatility: 4 Ways To Play Defense
  • Why The Average Investor Doesn’t Beat The Market
  • 8 Tough Questions To Ask Your 401k Investment Advisor
  • Will A Trade Spat Turn Into A Trade War?
  • Bill Gates’ Rules For Students
  • 401k Best Practices: Employee Education
  • Tips For Finding Good Financial Advice
  • 10 Questions & Answers On Bitcoin, Blockchain
  • 401k Best Practices: Plan Design

Categories

  • Economy
  • Employee Education
  • Fiduciary Compliance
  • Investments
  • Monday Morning Minute
  • Personal Finance
  • Plan Design
  • Plan Sponsor Insights

Robert C. Lawton

Robert C. Lawton, AIF®, CRPS®, is the Founder and President of Lawton Retirement Plan Consultants, LLC (LRPC). Lawton is an award-winning 401k investment adviser and fiduciary compliance specialist with more than 30 years of experience working with retirement plans. LRPC specializes in bringing Fortune 500 solutions to small and medium-sized businesses in Illinois and Wisconsin.

LRPC’s Monday Morning Minute

  • Read recent Monday Morning Minutes
  • Click here to subscribe to LRPC’s Monday Morning Minute e-newsletter

LRPC’s Plan Sponsor Insights

  • Read recent Plan Sponsor Insights

The 401k Blog Recent Posts

  • Seven Signs Of A Successful 401k
  • Stock Market Volatility: 4 Ways To Play Defense
  • Why The Average Investor Doesn’t Beat The Market
  • 8 Tough Questions To Ask Your 401k Investment Advisor

Contact Information

Robert C. Lawton, AIF®, CRPS®
Lawton Retirement Plan
Consultants, LLC
342 North Water Street
Suite 600
Milwaukee, WI 53202

Direct: (414) 828-401k (4015)

Email: bob@lawtonrpc.com

  • Facebook
  • Twitter
  • Google
  • LinkedIn

© Lawton Retirement Plan Consultants, LLC

Lawton Retirement Plan Consultants, LLC offers no tax, legal or accounting advice and any advice contained herein is not specific to any individual, entity or retirement plan, but rather general in nature and, therefore, should not be relied upon for specific investment situations. Lawton Retirement Plan Consultants, LLC is a Wisconsin Registered Investment Adviser and accepts clients outside of Wisconsin based upon applicable state registration regulations and the “de minimus” exception.

Privacy Policy