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Consolidation Corner Blog

Consolidation Corner is the Retirement Clearinghouse (RCH) blog, and features the latest articles and bylines from our executives, addressing important retirement savings portability topics.


Neal Ringquist

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Neal Ringquist is Retirement Clearinghouse's Executive Vice President, Chief Sales Officer and is a member of RCH's Executive Leadership Team. Ringquist is responsible for the company's overall marketing strategy and for all institutional sales activities.
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Recent Posts

Mar
14
2017

The Stealth Solution to America’s Retirement Savings Crisis

Auto Portability Radar ScreenOver the past year, the Department of Labor’s Fiduciary Rule has been highly-visible, presenting major ramifications for the retirement industry and looming large on the radar screens of retirement services providers.  

The underlying rationale for the rule, as stated by the Obama administration in an April 6, 2016 press briefing, was to save retirement investors $17 billion per year in lost retirement savings that result from conflicts of interest in retirement advice. Certainly, anything that protects $17 billion in retirement savings is a worthy goal, if it helps more Americans meet their retirement income needs.
However, there’s a larger hole in our retirement system – cash-out leakage – that inflicts far greater harm to American retirement savers, yet this threat continues to fly beneath our collective radar.   

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Feb
16
2017

Incubate Small Retirement Accounts, Don’t Throw Them Away

Auto Portability Win-Win SolutionOn February 3rd, the U.S. Chamber of Commerce, the world’s largest business federation representing the interests of more than 3 million businesses, released Securing America’s Retirement, their legislative roadmap aimed at strengthening the U.S. retirement system.

The Chamber’s goals are admirable.

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Feb
02
2017

One Small Improvement for 401(k) Plans, One Giant Leap for Retirement Readiness

401K Plans Retirement Readiness Moon Boot FootprintBaby boomers will never forget Neil Armstrong’s famous quote in 1969, after becoming the first human being to set foot on the moon:

“That’s one small step for (a) man, one giant leap for mankind.”

Today, America faces a different, more down-to-earth challenge: delivering our citizens a comfortable and timely retirement. And similar to the moon landing – a ‘small step’ in the right direction can have a huge impact on the course of our lives.

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Jan
03
2017

Changing Jobs in 2017? Take Your Retirement Savings With You

MarketWatchIn his latest article in MarketWatch, posted on New Year’s Eve, RCH President, CEO and RetireMentor Spencer Williams counsels those who switched jobs in 2016 to make their New Year’s resolutions to roll-in all of their retirement savings accounts – not just the account in their most recent prior-employer plan – into their new-employer plan.

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Dec
12
2016

One 2017 New Year’s Resolution for Plan Sponsors: Encourage Roll-Ins

401k SpecialistAs 2016 draws to a close, most observers will reflect upon the events that have dominated retirement industry news coverage:  the Fiduciary Rule, the 10-year anniversary of the Pension Protection Act, and the Presidential election. These events will clearly shape plan sponsors’ activities and priorities for the New Year.

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Dec
06
2016

Miracle on Retirement Street

MarketWatchIn his latest article in MarketWatch, RetireMentor and RCH CEO Spencer Williams gets us into the festive, holiday spirit by showcasing the “miracle” of compound interest. Compound interest is particularly relevant to retirement savers, whose nest eggs will incubate over a career. 

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Nov
07
2016

A Roll-In in Time Saves Far More Than Nine

MarketWatchIn his latest MarketWatch RetireMentors column, RCH CEO Spencer Williams modifies the familiar proverb “a stitch in time saves nine” for the benefit of 401(k) savers who have multiple retirement savings accounts. A roll-in becomes the equivalent of the stitch, saving participants considerable time and money as they change jobs.

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Oct
17
2016

A Different ‘Save’ to Consider During ‘National Save for Retirement Week’

Sen. Kent Conrad By Neal Ringquist and Tom Hawkins

As we prepare to observe National Save for Retirement Week (also known as “National Retirement Security Week”), scheduled for October 16-22, it’s a great opportunity to remember why we, as individuals, need to save for our retirement. But the sobering reality is that we are all being called upon to save retirement itself—by rescuing a retirement system that doesn’t work for millions of hardworking Americans.

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Oct
05
2016

How You Should Observe ‘National Save for Retirement Week’

MarketWatchIn his most recent article in MarketWatch, RCH’s Spencer Williams notes the upcoming ‘National Save for Retirement Week’ event, and employs some clever word-association that has readers re-thinking the meaning of the word “save.”

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Sep
22
2016

The One Solution Everyone in DC Agrees Upon: We Need Consolidation


Washington DC at nightThis summer, there’s one topic that everyone in Washington, D.C. seems to agree upon: the importance of consolidation in protecting Americans’ retirement security.

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