--- title: RCH Consolidation Corner | Neal Ringquist (4) 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. (4) --- [![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. --- Sep 13 2016 ## [Consolidation: Make the Smart Decision the Easiest Decision](https://blog.rch1.com/blog/consolidation-make-the-smart-decision-the-easiest-decision) ![Boston Research Technology America's Mobile Workforce](https://blog.rch1.com/hs-fs/hubfs/Publications/BRT/BRT2.png?width=200&name=BRT2.png "Boston Research Technology America's Mobile Workforce")“Make the smart decision the easiest decision” seems like an obvious goal for plan sponsors when designing participant-directed retirement plans, and it’s certainly driven the rapid adoption of the autos—auto enrollment, auto deferral escalation, and auto investment options, such as target-date funds and managed accounts. [Read More](https://blog.rch1.com/blog/consolidation-make-the-smart-decision-the-easiest-decision) Sep 07 2016 ## [Making Your Day, Re-Visited: When Retirement Savers’ Luck Runs Out](https://blog.rch1.com/blog/making-your-day-re-visited-when-retirement-savers-luck-runs-out) [![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/are-you-still-feeling-lucky-401k-saver-2016-09-07)In his most recent [article in MarketWatch, "Are you still feeling luck, 401(k) saver?"](http://www.marketwatch.com/story/are-you-still-feeling-lucky-401k-saver-2016-09-07) RCH’s [Spencer Williams](https://www.rch1.com/corporate-profile/management-team/j-spencer-williamsfounder-president-and-ceo) reprises last year’s [7/10/15 article](http://www.marketwatch.com/story/do-you-feel-lucky-401k-saver-well-do-you-2015-07-10) where he channeled Clint Eastwood’s iconic movie hero “Dirty Harry” Callahan. Just like the movie villains whose luck ran out at the hands of Dirty Harry, retirement savers who strand their 401(k) accounts must run a gauntlet of decidedly unlucky outcomes – including involuntary cashouts, automatic rollovers and savings-depleting fees. [Read More](https://blog.rch1.com/blog/making-your-day-re-visited-when-retirement-savers-luck-runs-out) Aug 23 2016 ## [New Penalties for Lost Participants Take Effect](https://blog.rch1.com/blog/new-penalties-for-lost-participants-take-effect) ![Penalty definition New penalties for lost participants take effect](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/penalty.png?width=200&name=penalty.png "Penalty definition New penalties for lost participants take effect") In November of 2015, Congress enacted the Federal Civil Monetary Penalties Inflation Adjustment Act Improvements Act to apply inflation adjustments to various penalties defined under the Federal Civil Inflation Adjustment Act of 1990. One of those penalties was the $10 per employee penalty for failure to furnish reports to certain former participants and beneficiaries or maintain records. The new penalty, as published in the [Federal Register](https://www.gpo.gov/fdsys/pkg/FR-2016-07-01/pdf/2016-15378.pdf) (Table C), is now $28 per employee, effective August 1, 2016. [Read More](https://blog.rch1.com/blog/new-penalties-for-lost-participants-take-effect) Aug 09 2016 ## [Why Small Balance Cash Outs Are Falling Through the Cracks](https://blog.rch1.com/blog/why-small-balance-cash-outs-are-falling-through-the-cracks) ![Market Share by Numbers](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/SBCOfall.jpg?width=200&name=SBCOfall.jpg "Market Share by Numbers")According to the recently released [2016 Willis Towers Watson U.S. Retirement Governance Survey](https://www.willistowerswatson.com/en/insights/2016/05/strategies-in-retirement-plan-governance), a major trend in retirement plan governance is the growing concern employers have for employees’ retirement benefit adequacy and financial well-being. To address this concern, sponsors indicated plans to increase monitoring of participant behaviors, using metrics such as plan participation and contribution rates, as well as carefully tracking the performance of their plans’ investment managers. [Read More](https://blog.rch1.com/blog/why-small-balance-cash-outs-are-falling-through-the-cracks) Aug 02 2016 ## [Brexit Reminds Retirement-Savers Why Account Consolidation is Important](https://blog.rch1.com/blog/brexit-reminds-retirement-savers-why-account-consolidation-is-important) [![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/brexit-shows-the-importance-of-account-consolidation-2016-08-02)In his [most recent article in MarketWatch](http://www.marketwatch.com/story/brexit-shows-the-importance-of-account-consolidation-2016-08-02), RCH’s [Spencer Williams](https://www.rch1.com/corporate-profile/management-team/j-spencer-williamsfounder-president-and-ceo) cites the recent market trauma experienced in the wake of the United Kingdom’s decision to exit the European Union (“[Brexit](http://www.marketwatch.com/story/brexit-just-sparked-the-worst-global-stock-rout-ever-sps-silverblatt-2016-06-27)”) as a good reason for retirement-savers to consolidate their accounts. [Read More](https://blog.rch1.com/blog/brexit-reminds-retirement-savers-why-account-consolidation-is-important) Jul 01 2016 ## [When it Comes to Saving for Retirement, Millennials Can Learn from Baby Boomers’ Mistakes](https://blog.rch1.com/blog/when-it-comes-to-saving-for-retirement-millennials-can-learn-from-baby-boomers-mistakes) [![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/millennials-can-save-more-for-retirement-by-learning-from-baby-boomers-mistakes-2016-06-30)In his 6/30/16 MarketWatch article, RCH President and CEO [Spencer Williams](https://www.rch1.com/corporate-profile/management-team/j-spencer-williamsfounder-president-and-ceo) suggests an inter-generational dialogue on the pitfalls to avoid when saving for retirement. [Read More](https://blog.rch1.com/blog/when-it-comes-to-saving-for-retirement-millennials-can-learn-from-baby-boomers-mistakes) Jun 21 2016 ## [Calls for Portability Solutions to Curb Cash Out Leakage Growing Louder](https://blog.rch1.com/blog/calls-for-portability-solutions-to-curb-cash-out-leakage-growing-louder) ![Washington DC USA](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/DC.jpg?width=200&name=DC.jpg "Washington DC USA")Cash out leakage – the premature withdrawal of retirement savings for non-retirement expenses – is a persistent problem in the retirement industry, and growing more pervasive as employee mobility increases. [Read More](https://blog.rch1.com/blog/calls-for-portability-solutions-to-curb-cash-out-leakage-growing-louder) Jun 06 2016 ## [Advice college graduates won't hear at commencement: ‘Strive for 25’](https://blog.rch1.com/blog/advice-college-graduates-wont-hear-at-commencement-strive-for-25) [![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/advice-college-graduates-wont-hear-at-commencement-strive-for-25-2016-06-03)As they set out into the working world, RCH President & CEO [Spencer Williams](https://www.rch1.com/corporate-profile/management-team/j-spencer-williamsfounder-president-and-ceo) counsels the Class of 2016 on the importance of developing good saving habits from the very beginning. [Read More](https://blog.rch1.com/blog/advice-college-graduates-wont-hear-at-commencement-strive-for-25) May 09 2016 ## [What you won’t hear in commencement addresses](https://blog.rch1.com/blog/what-you-wont-hear-in-commencement-addresses) [![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/heres-some-advice-that-college-graduates-wont-hear-in-a-commencement-speech-2016-05-09)In his May 9th article in MarketWatch’s Retirement Mentors blog, RCH President & CEO Spencer Williams offers sage advice to college graduates as they enter the workforce:  consolidate your retirement savings! [Read More](https://blog.rch1.com/blog/what-you-wont-hear-in-commencement-addresses) Apr 04 2016 ## [Roll-In Services are a Slam Dunk for Sponsors & Participants](https://blog.rch1.com/blog/roll-in-services-are-a-slam-dunk-for-sponsors-and-participants) [![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/cashing-out-your-401k-hits-you-twice-2016-04-01)In his April 1st, 2016 [article in MarketWatch,](http://www.marketwatch.com/story/cashing-out-your-401k-hits-you-twice-2016-04-01) RCH’s CEO [Spencer Williams](http://www.rch1.com/corporate-profile/management-team/j-spencer-williamspresident-and-ceo) describes the sting that retirement savers feel -- not once, but twice -- when they choose to cash out their 401(k) savings. [Read More](https://blog.rch1.com/blog/roll-in-services-are-a-slam-dunk-for-sponsors-and-participants) Page: [‹](https://blog.rch1.com/blog/author/neal-ringquist/page/3) [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) [6](https://blog.rch1.com/blog/author/neal-ringquist/page/6) [›](https://blog.rch1.com/blog/author/neal-ringquist/page/5) [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) - 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