--- title: RCH Consolidation Corner | Neal Ringquist (3) description: Neal Ringquist is Retirement Clearinghouse's Executive Vice President & Chief Revenue 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. (3) --- [![Retirement Clearinghouse Logo](https://blog.rch1.com/hs-fs/hubfs/raw_assets/public/Retirement_Clearinghouse_May2022/images/logo.png?width=1000&height=648&name=logo.png "Retirement Clearinghouse Logo")](https://rch1.com/) [Privacy Policy](https://securities.rch1.com/common/PrivacyStatement.pdf) [Sponsors/Service Providers](https://rch1.com/plan-sponsors) [Individuals](https://rch1.com/individuals) [Login](https://rch1.com/#) - [Home](https://rch1.com/home-page) - [Individuals](https://rch1.com/individuals) - [Individuals Home](https://rch1.com/individuals/individuals-home) - [Who is RCH?](https://rch1.com/individuals/who-is-rch) - [Why Does RCH Have My Retirement Savings?](https://rch1.com/individuals/why-does-rch-have-my-retirement-funds) - [Manage Your RCH IRA Account](https://rch1.com/individuals/manage-your-rch-ira-account) - [Cash Out Calculator](https://rch1.com/individuals/cash-out-calculator) - [Moving Your Retirement Savings Forward](https://rch1.com/individuals/moving-your-retirement-savings-forward) - 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[Consolidation Corner Channel](https://rch1.com/consolidation-corner-channel) - [Events](https://rch1.com/events) - [Auto Portability](https://rch1.com/auto-portability) ![Neal Ringquist](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Headshots/RCH_Employees/NealRingquist.jpg?width=200&name=NealRingquist.jpg) # Neal Ringquist Neal Ringquist is Retirement Clearinghouse's Executive Vice President & Chief Revenue 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. [Follow me on my website](https://rch1.com/management-team/neal-ringquist-) [Follow me on LinkedIn](https://www.linkedin.com/in/NealRingquist/) [Follow me on Twitter](https://twitter.com/NealRingquist) ## Menu - [News](https://rch1.com/news) - [Press Releases](https://rch1.com/press-releases) - [Thought Leadership](https://rch1.com/thought-leadership) [Retirement Clearinghouse](https://rch1.com/retirement-clearinghouse) [Retirement Industry](https://rch1.com/retirement-industry) [Public Policy](https://rch1.com/public-policy-thought) - [Events](https://rch1.com/events) - - - - [Blog](https://blog.rch1.com/blog) - [401k Cash Outs](https://blog.rch1.com/blog/topic/401k-cash-outs) - [401k Consolidation](https://blog.rch1.com/blog/topic/401k-consolidation) - [401k Plan Termination](https://blog.rch1.com/blog/topic/401k-plan-termination) - [America's Mobile Workforce](https://blog.rch1.com/blog/topic/americas-mobile-workforce) - [Assisted Roll-in](https://blog.rch1.com/blog/topic/assisted-roll-in) - 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[Saver's Match](https://blog.rch1.com/blog/topic/savers-match) - [Security](https://blog.rch1.com/blog/topic/security) - [Small Accounts](https://blog.rch1.com/blog/topic/small-accounts) - [Stale Dated Checks](https://blog.rch1.com/blog/topic/stale-dated-checks) - [Synthetic Tenure](https://blog.rch1.com/blog/topic/synthetic-tenure) - [Uncashed Check Services](https://blog.rch1.com/blog/topic/uncashed-check-services) - [Uncashed Distribution Checks](https://blog.rch1.com/blog/topic/uncashed-distribution-checks) - [Video](https://blog.rch1.com/blog/topic/video) - [Webcast](https://blog.rch1.com/blog/topic/webcast) - [What is a Missing Participant?](https://blog.rch1.com/blog/topic/what-is-a-missing-participant) [Tweets by @RCHConsolidate](https://twitter.com/RCHConsolidate) ### 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. --- Mar 14 2017 ## [The Stealth Solution to America’s Retirement Savings Crisis](https://blog.rch1.com/blog/the-stealth-solution-to-americas-retirement-savings-crisis) ![Auto Portability Radar Screen](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/radar_screen.png?width=200&name=radar_screen.png "Auto Portability Radar Screen")Over 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](https://obamawhitehouse.archives.gov/the-press-office/2016/04/06/fact-sheet-middle-class-economics-strengthening-retirement-security), 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.    [Read More](https://blog.rch1.com/blog/the-stealth-solution-to-americas-retirement-savings-crisis) Feb 16 2017 ## [Incubate Small Retirement Accounts, Don’t Throw Them Away](https://blog.rch1.com/blog/incubate-small-retirement-accounts-dont-throw-them-away) ![Auto Portability Win-Win Solution](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Consolidation_Corner/win-win.png?width=200&name=win-win.png "Auto Portability Win-Win Solution")On February 3rd, the [U.S. Chamber of Commerce](https://www.uschamber.com), the world’s largest business federation representing the interests of more than 3 million businesses, released [Securing America’s Retirement](http://www.centerforcapitalmarkets.com/wp-content/uploads/2013/08/US-Chamber-Securing-Americas-Retirement-A-Legislative-Roadmap.pdf?x48633), their legislative roadmap aimed at strengthening the U.S. retirement system. The Chamber’s goals are admirable. [Read More](https://blog.rch1.com/blog/incubate-small-retirement-accounts-dont-throw-them-away) Feb 02 2017 ## [One Small Improvement for 401(k) Plans, One Giant Leap for Retirement Readiness](https://blog.rch1.com/blog/one-small-improvement-for-401k-plans-one-giant-leap-for-retirement-readiness) ![401K Plans Retirement Readiness Moon Boot Footprint](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/footprint2.jpg?width=200&name=footprint2.jpg "401K Plans Retirement Readiness Moon Boot Footprint")Baby 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. [Read More](https://blog.rch1.com/blog/one-small-improvement-for-401k-plans-one-giant-leap-for-retirement-readiness) Jan 03 2017 ## [Changing Jobs in 2017? Take Your Retirement Savings With You](https://blog.rch1.com/blog/take-your-retirement-savings-with-you-in-2017) ![MarketWatch](https://blog.rch1.com/hs-fs/hubfs/Publications/MarketWatch/Logo/marketwatch-logo2.jpg?width=200&name=marketwatch-logo2.jpg "MarketWatch")In his [latest article in MarketWatch](http://www.marketwatch.com/story/changing-jobs-in-2017-take-your-retirement-savings-with-you-2016-12-31), posted on New Year’s Eve, RCH President, CEO and RetireMentor [Spencer Williams](https://www.rch1.com/corporate-profile/management-team/j-spencer-williamsfounder-president-and-ceo) 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. [Read More](https://blog.rch1.com/blog/take-your-retirement-savings-with-you-in-2017) Dec 12 2016 ## [One 2017 New Year’s Resolution for Plan Sponsors: Encourage Roll-Ins](https://blog.rch1.com/blog/one-2017-new-years-resolution-for-plan-sponsors-encourage-roll-ins) [![401k Specialist](https://blog.rch1.com/hs-fs/hubfs/Publications/401kSpecialistMag/401k-specialist-logo2.jpg?width=200&name=401k-specialist-logo2.jpg "401k Specialist")](https://401kspecialistmag.com/a-successful-strategy-for-401k-plan-roll-ins/#.WmJPsainGUk)As 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. [Read More](https://blog.rch1.com/blog/one-2017-new-years-resolution-for-plan-sponsors-encourage-roll-ins) Dec 06 2016 ## [Miracle on Retirement Street](https://blog.rch1.com/blog/miracle-on-retirement-street) [![MarketWatch](https://blog.rch1.com/hs-fs/hubfs/Publications/MarketWatch/Logo/marketwatch-logo2.jpg?width=200&name=marketwatch-logo2.jpg "MarketWatch")](https://www.marketwatch.com/story/the-miracle-on-retirement-street-otherwise-known-as-compound-interest-2016-12-06)In 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.  [Read More](https://blog.rch1.com/blog/miracle-on-retirement-street) Nov 07 2016 ## [A Roll-In in Time Saves Far More Than Nine](https://blog.rch1.com/blog/a-roll-in-in-time-saves-far-more-than-nine) [![MarketWatch](https://blog.rch1.com/hs-fs/hubfs/Publications/MarketWatch/Logo/marketwatch-logo2.jpg?width=200&name=marketwatch-logo2.jpg "MarketWatch")](https://www.marketwatch.com/story/a-roll-in-in-time-saves-far-more-than-nine-2016-11-04)In his latest [MarketWatch RetireMentors](http://www.marketwatch.com/retirement/mentors) 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](http://www.marketwatch.com/story/let-a-roll-in-help-increase-your-retirement-income-2015-10-02) becomes the equivalent of the stitch, saving participants considerable time and money as they change jobs. [Read More](https://blog.rch1.com/blog/a-roll-in-in-time-saves-far-more-than-nine) Oct 17 2016 ## [A Different ‘Save’ to Consider During ‘National Save for Retirement Week’](https://blog.rch1.com/blog/a-different-save-to-consider-during-national-save-for-retirement-week) **![Sen. Kent Conrad ](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/Conrad-Hero-1040x600.jpg?width=200&name=Conrad-Hero-1040x600.jpg "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. [Read More](https://blog.rch1.com/blog/a-different-save-to-consider-during-national-save-for-retirement-week) Oct 05 2016 ## [How You Should Observe ‘National Save for Retirement Week’](https://blog.rch1.com/blog/how-you-should-observe-national-save-for-retirement-week) [![MarketWatch](https://blog.rch1.com/hs-fs/hubfs/Publications/MarketWatch/Logo/marketwatch-logo2.jpg?width=200&name=marketwatch-logo2.jpg "MarketWatch")](https://www.marketwatch.com/story/how-you-should-observe-national-save-for-retirement-week-2016-10-05)In his most recent article in [MarketWatch](http://www.marketwatch.com/), RCH’s [Spencer Williams](https://www.rch1.com/corporate-profile/management-team/j-spencer-williamsfounder-president-and-ceo) notes the upcoming ‘[National Save for Retirement Week](http://www.icmarc.org/retirement-week.html)’ event, and employs some clever word-association that has readers re-thinking the meaning of the word “save.” [Read More](https://blog.rch1.com/blog/how-you-should-observe-national-save-for-retirement-week) Sep 22 2016 ## [The One Solution Everyone in DC Agrees Upon: We Need Consolidation](https://blog.rch1.com/blog/one-solution-everyone-in-dc-agrees-upon-we-need-consolidation) ![Washington DC at night](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/washingtonDCnight.jpg?width=200&name=washingtonDCnight.jpg "Washington DC at night")This summer, there’s one topic that everyone in Washington, D.C. seems to agree upon: the importance of consolidation in protecting Americans’ retirement security. [Read More](https://blog.rch1.com/blog/one-solution-everyone-in-dc-agrees-upon-we-need-consolidation) Page: [‹](https://blog.rch1.com/blog/author/neal-ringquist/page/2) [1](https://blog.rch1.com/blog) [2](https://blog.rch1.com/blog/author/neal-ringquist/page/2) [3](https://blog.rch1.com/blog/author/neal-ringquist/page/3) [4](https://blog.rch1.com/blog/author/neal-ringquist/page/4) [5](https://blog.rch1.com/blog/author/neal-ringquist/page/5) [›](https://blog.rch1.com/blog/author/neal-ringquist/page/4) [Tweets by @RCHConsolidate](https://twitter.com/RCHConsolidate) - [Blog](https://blog.rch1.com/blog) - [401k Cash Outs](https://blog.rch1.com/blog/topic/401k-cash-outs) - [401k Consolidation](https://blog.rch1.com/blog/topic/401k-consolidation) - [401k Plan Termination](https://blog.rch1.com/blog/topic/401k-plan-termination) - [America's Mobile Workforce](https://blog.rch1.com/blog/topic/americas-mobile-workforce) - [Assisted Roll-in](https://blog.rch1.com/blog/topic/assisted-roll-in) - [Auto Enrollment](https://blog.rch1.com/blog/topic/auto-enrollment) - 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