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Quarterly Considerations – 03/31/2019


Running of the Bulls – Markets sharply rebounded in the first quarter following the notable fourth quarter downturn. Progress in U.S.-China trade negotiations and a significant shift in Federal Reserve (Fed) policy were key factors behind the global market rally. The S&P 500 Index gained +13.6 percent for the quarter, which marked its best first quarter performance since 1998.


Game Changer With bipartisan support, the SECURE act is one to watch. Key provisions affect required minimum distributions (RMDs), IRA and 401(k) eligibility, protections and portability for annuities, and tax credits for small employer 401(k) plans. Ask us for details.

IRS Surprise The IRS revised its position and will allow plan sponsors to offer lump sum windows to participants currently receiving benefits. This may help sponsors looking to de-risk by reducing liabilities and Pension Benefit Guaranty Corporation (PBGC) premiums.


At Your Discretion – Institutional investors continue to adopt the Outsourced Chief Investment Officer (OCIO) model with key drivers being a lack of internal resources (82 percent) and the need to improve governance (53 percent), according to a recent Cerulli study. Ask us for more information.

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