Beltz Ianni & Associates is pleased and proud to be named a NAPA DC Top Advisor for 2022. This is the 4th year for the Retirement Services Team to be named. This list focuses on individual firms, and selected solely based on assets under advisement related to their Defined Contribution (DC) practice, as reported directly by nominees.

In This Issue: Top of Mind, Practicing Mindfulness With Money Can Help Boost Your Financial Wellness; Pay It Forward, Looking to Teach a Child Some Important Money Lessons? Consider a Roth Custodial IRA; Smart Shopper to Keep your Money Safe With These Online Shopping Security Tips, and Q&As Everyone Can Use

In This Issue: Tackling the Trend to deal with inflation's negative effect on Employee Retirement Planning; Reaching Retirement Readiness a Study that reveals Plan Participants are on a positive trajectory; and Plan Sponsor Q&As; as well as what's ahead in the Quarterly Calendar

In this issue...Rekindling The Romance; Taking a Hike; Get Into The Rhythm; and Q&As that everyone can use!

In This Issue: Eyes On The Prize; Everyone Wins; and Plan Sponsors Q&As, as well as Quarterly Calendar To Dos for the Coming Year Ahead

In this issue: Making Portfolios Personal, Using Your Plan to Help Attract and Retain Employees, and Q&As from Plan Sponsors

In this issue: Money in Motion, Eliminating the Guesswork and Global Grub... as well as Q&A resources everyone can use!

We are proud to announce, Michelle Cannan makes NAPA's 2022 List of Top Women Advisors

Reinventing Retirement...In this issue: Rx for Success; Preventative care strategies to help you deal with healthcare expenses in retirement, Heart of the Matter: Managing your blood pressure is a key component of a healthy heart, Deconstructing your Debt-to-Income Ratio, and Retirement in Motion

In this issue: A Window Into Wellness, A recent survey sheds light on the state of financial wellness since the pandemic, In the Driver's Seat, a survey of fiduciary liability insurance carriers offering insight on prioritizing and managing duties, and Plan Sponsors Q&As.

In This Issue: Everything's Better With Bacon; making understanding inflation easier. Market swings causing some anxiety? 4 mantras that will help you overcome it. Wake-Up Call! Try these morning rituals to get your day off to the right start.

In this Issue: Good Vibrations; plan participants are shining a light on their positive perspectives. Combatting Cyber Security Threats Q&As for Plan Sponsors

Beltz Ianni & Associates is pleased to be named, once again, a NAPA Top DC Advisor Team for 2021!

Anne Webster Retires from Beltz Ianni & Associates

In this issue: Go to the Head of The Class; Master these Social Security lessons Find your Happy Place; Follow 3 tips to help reach a state of happinsess daily The Many Faces of Risk; knowing the different types of risk to cope with market volatility.

In This Issue: Want to Improve Retirement Outcomes? See what employees need to understand Pondering the Next Stage in the Evolution of Retirement...a survey confirms Plan Sponsors Ask...Q&As

In this issue we will cover: Annual Maintenance check with a 5 point inspection. Catching a Phish. Money Well Spent. Retirement in Motion; tips and resources everyone can use.

In this issue...Read the challenges that will teach important lessons, that emerged from 2020 Retirement assets grow, but are some being left behind? and Q&As from Plan Sponsors

Michelle Cannan makes NAPA's 2021 List of Top Women Advisors

In this issue we will cover: Growing your Financial Garden; How making a realistic budget can help you make a better financial future. Going Green; Help sustain the environment with these practical money-saving tips. Early Exit; Thinking of retiring early? Here is what you will need to know. Retirement in Motion; Tips and resources that everyone can use!

Rochester, NY, August 16, 2021 - Beltz Ianni & Associates announced today that Partner and Client Advisor, Stephen Howles has attained the CERTIFIED FINANCIAL PLANNERTM and CFP® marks from the Certified Financial Planner Board of Standards, Inc.

In this edition we will cover: Record Gains and New Highs: There is some good news, after all. Covid-19 Impacts Retirement prospects for each workforce generation. ...and a Q&A for Plan Sponsors that you may find helpful. New ones are populated with each issue!

Beltz Ianni & Associates is pleased to be named a NAPA Top DC Advisor Team for the 3rd year in a row. The National Association of Plan Advisors ("NAPA") has published its list of the nation's top defined contribution (DC) Advisor Teams and includes the retirement plan services team at Beltz Ianni & Associates.

Check out the services our Total Retirement Plan Management Team can provide.

"No matter what you do for a living or where you are in life, there's always an opportunity to better protect yourself and your loved ones."

The Internal Revenue Service (IRS) in the November 24, 2014 issue of Employee Plan News released this summary of allowable transfers to and from plans and IRAs. Get to know your rights with regard to your retirement accounts.

In this edition we will cover: Four Risks Participants may not know they are facing; life involves risk and one of them is retirement. Do your employees understand their risks and actions they should take to manage it? The Pandemic's Impact on Savings Behaviors; Comparing the Past with the Present and providing you with Covid-19 Resources that may help. and a Q&A for Plan Sponsors that you may find helpful as the end of the year is upon us, which we provide new ones in each issue.

In this issue we will cover: 7 age milestones that can impact retirement planning Fiber Optics - Celebrate Heart Month by putting more fiber in your diet Higher Learning with 529 plans making more sense than ever. Retirement in Motion; Tips and Resources you can use.

In this edition we will cover: Careful planning can help you manage competitive financial priorities.  With a little planning, you can develop a strategy to cover expenses and still stay on track for retirement. One for the Ages: Consider the "trade-offs" before deciding what age to start Social Security benefits. Tap into the Power Nap: With everything going on around us, we may need to revert back to the days of "power naps" , which will provides a variety of health benefits we all need. Retirement in Motion: Tips and Resources you can use.

In this edition we will cover: What challenges women are facing in saving for retirement and how marital status makes an evident difference. What the SECURE ACT changes that loom, so make sure you check off these items from your "to-do" list! and finally.... a Q&A for Plan Sponsors that you may find helpful as the end of the year is upon us.

We have updated our Newsletter!!! It will be published quarterly instead of monthly! Check it out! ...In this edition: we will cover "Communicating Through Volatility" with 2 key reminders to share with participants that could help them alleviate their fears; "Fiduciary Issues and Coronavirus": What You Should Know; Common Plan Sponsor Questions and Answers are shared; and finally, a Common Plan Sponsor Last Quarter Calendar and what it should look like.

We have updated our Newsletter!!!  It will be published quarterly instead of monthly! Check it out! ...In this edition: we will cover a "Variety Pack" to give you tips on maintaining a diversified portfolio that can help you feel more in control during uncertain economic times; Strategies to help survive the ups and downs of the market with "Riding it Out"; Five ways to keep moving forward in the age of social distancing via "Forward Thinking"; and finally, Tips and resources everyone can use for Retirement in Motion.

It is important to do regular check ups on your retirement plan to make sure you are on track to reach your retirement goals.  There are a few questions to ask yourself, at least annually, when doing this. Check them out in this month's issue.

In this issue: Back to School for Fiduciaries!! Time to review your "to-do" list of responsibilities and ask yourself some very important questions! What is the Fastest Growing Investment Vehicle within 401(k) plans?? Collective Investment Trusts (CITs) are now playing an important role in the markets and the advantages of CITs are plentiful. Allowable Plan Expenses: Can the Plan Pay?... Check out the General Principles of Allowable Expenses Included. ...and in the Participant Corner: Have you done a Retirement Plan Check-up? This will help with making sure you are on track to reach your retirement goals.

Encourage employees to make small lifestyle changes to reduce their out of pocket health costs. This memo shows the difference in savings between an average-managed patient and a well-managed patient.

In this issue: Are your participants experiencing a fee imbalance?...Many plans have not yet addressed participant fee levelization. Also in this issue... Why you need to communicate with employees...Gossip can be dangerous, creating an open communication culture encourages questions, to name a few. What constitutes proper documentation of retirement plan committee meetings?...From a fiduciary perspective, it is just as important to properly document these meetings, as it is to hold the meetings.

Rising healthcare costs are on everyone's mind, even for affluent people. Start Budgeting, Look at Long Term Care Insurance, and Get Healthy.

Is it time for a Plan Refresh? The duty to provide participants with sufficient information to make consistently informed retirement investment decisions is a basic fiduciary responsibility under ERISA Section 404(a); Beware of the IRS and DOL: Four Red Flags They Seek on Form 5500; How and When to Pay Plan Expenses with Plan Assets; How can You Prepare for Healthcare Expenses in Retirement?

Start Saving Now and Learn the Basics of Saving and Investing, Avoid Common Mistakes, Focus on Three Critical Coomponents of an Investment Plan, Monitor the Plan and Adjust as Necessary.

In this issue: Should your Company Implement a Student Loan Assistance Program? By doing so, you'll attract, retain and engage top college-educated talent at your company; Complying with ERISA 404(c); Are you Ready for an Audit? Several events can trigger a DOL or IRS audit; Four Basic Steps for a Successful Retirement. We know that most plan participants are not financial experts, and that can make planning for retirement difficult. Fortunately, there are some basic steps that you can follow to work toward a successful retirement.