--- title: RCH Consolidation Corner | Neal Ringquist (5) 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. (5) --- [![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 30 2016 ## [The Fiduciary Rule and Participant Transition Management](https://blog.rch1.com/blog/the-fiduciary-rule-and-participant-transition-management) ![IRA Rollover Leave In Plan Cash Out Transitioning Participant Eye Test](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/PPT_Eye_Test.png?width=200&name=PPT_Eye_Test.png "IRA Rollover Leave In Plan Cash Out Transitioning Participant Eye Test")Any day now, the [Department of Labor](http://www.dol.gov/) will issue the final version of the long-awaited “[Fiduciary Rule](http://www.dol.gov/ebsa/newsroom/fsconflictsofinterest.html)” which will redefine the term “fiduciary” under ERISA.  Much has been written about the impact on advisors and broker-dealers, given their service models to retirement plans.   [Read More](https://blog.rch1.com/blog/the-fiduciary-rule-and-participant-transition-management) Mar 04 2016 ## [Saving For Retirement is not a Trivial Pursuit](https://blog.rch1.com/blog/saving-for-retirement-is-not-a-trivial-pursuit) [![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/saving-for-retirement-is-not-a-trivial-pursuit-2016-03-03)In his March 3rd column in MarketWatch, RCH President & CEO Spencer Williams establishes an important link between the board games we played as children (ex. – Candy Land, Trivial Pursuit and Snakes & Ladders) and the “games” we can play in adulthood, while managing our retirement savings.  The children’s games are harmless, fun and instructive, but the adult retirement games (ex. – Cashing Out, Stranding Accounts, and Not Updating Your Address) are anything but.    [Read More](https://blog.rch1.com/blog/saving-for-retirement-is-not-a-trivial-pursuit) Jan 20 2016 ## [Four New Year’s Resolutions for Retirement Savers Summary](https://blog.rch1.com/blog/four-new-years-resolutions-for-retirement-savers) [![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/4-new-years-resolutions-for-retirement-savers-2016-01-20)In his 1/20/16 MarketWatch column [(Four New Year’s Resolutions for Retirement Savers](http://www.marketwatch.com/story/4-new-years-resolutions-for-retirement-savers-2016-01-20)), Retirement Clearinghouse CEO Spencer Williams offers four New Year’s resolutions that all 2016 job-changers should take to heart, including: [Read More](https://blog.rch1.com/blog/four-new-years-resolutions-for-retirement-savers) Jan 13 2016 ## [Washington Recognizes Need for Retirement Plan Portability Solutions](https://blog.rch1.com/blog/washington-recognizes-retirement-plan-portability-frictions-need-for-solutions) Clearly, Washington DC is now “getting it” when it comes to retirement plan portability.  In November 2015, Senator Patty Murray and other influential members of Congress [delivered a letter to Department of Labor Secretary Perez](http://www.help.senate.gov/ranking/newsroom/press/murray-leads-bicameral-letter-urging-guidance-on-innovations-to-help-workers-retain-retirement-savings-between-jobs) urging action on [Auto Portability](https://rch1.com/auto-portability/frequently-asked-questions). Now, we have strong [comments from President Obama in his final State Of The Union address on the need for more portable retirement savings](http://www.pionline.com/article/20160112/ONLINE/160119951/president-obama-calls-for-portable-retirement-savings-in-state-of-the-union-speech). [Read More](https://blog.rch1.com/blog/washington-recognizes-retirement-plan-portability-frictions-need-for-solutions) Dec 16 2015 ## [The checklist you need to manage multiple retirement accounts](https://blog.rch1.com/blog/the-checklist-you-need-to-manage-multiple-retirement-accounts) [![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-checklist-you-need-to-manage-multiple-retirement-accounts-2015-12-16)In his December 16th, 2015 [article in MarketWatch](http://www.marketwatch.com/story/the-checklist-you-need-to-manage-multiple-retirement-accounts-2015-12-16), RCH’s CEO [Spencer Williams](http://www.rch1.com/corporate-profile/management-team/j-spencer-williamspresident-and-ceo) offers a year-end checklist for those retirement savers who’ve elected to leave qualified retirement savings accounts behind with their former employers. [Read More](https://blog.rch1.com/blog/the-checklist-you-need-to-manage-multiple-retirement-accounts) Dec 15 2015 ## [As 401(k) Cash Out Leakage Grows, So Does Need for Auto Portability](https://blog.rch1.com/blog/as-401k-cash-out-leakage-grows-so-does-need-for-auto-portability) ![Leaky Faucet](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/leakyfaucet.jpg?width=200&name=leakyfaucet.jpg "Leaky Faucet")In his December 11th article in BenefitsPro ([Addressing the Critical Problem of 401(k) Cash Outs](http://www.benefitspro.com/2015/12/11/addressing-the-critical-problem-of-401k-cash-outs)), Nick Thornton draws much-needed attention to the magnitude of the 401(k) cash out leakage issue, due to the frictions associated with account portability when plan participants switch jobs. Thornton’s article rightly emphasizes the need for automated portability – similar to automatic enrollment and deferral increases - to effectively address the cash out problem.  [Read More](https://blog.rch1.com/blog/as-401k-cash-out-leakage-grows-so-does-need-for-auto-portability) Nov 16 2015 ## [Boomers: Consolidate Your Retirement Accounts Immediately!](https://blog.rch1.com/blog/boomers-consolidate-your-retirement-accounts-immediately) [![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/boomers-need-to-consolidate-retirement-accounts-immediately-2015-11-16)In his 11/16/15 MarketWatch article [Boomers need to consolidate retirement accounts immediately](http://www.marketwatch.com/story/boomers-need-to-consolidate-retirement-accounts-immediately-2015-11-16) RCH President & CEO J. Spencer Williams notes that the baby boomer generation, which is closest to retirement age, stands to benefit the most from consolidating their retirement savings, vs. leaving their accounts behind at former employers. [Read More](https://blog.rch1.com/blog/boomers-consolidate-your-retirement-accounts-immediately) Oct 27 2015 ## [Force Outs: Recycle v. Landfill](https://blog.rch1.com/blog/force-outs-recycle-v-landfill) ![Safe Harbor IRA Landfill vs. RCH Recycle 401k Consolidation Auto Portability](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/RCH_Images/Landfill_to_Recycle.png?width=200&name=Landfill_to_Recycle.png "Safe Harbor IRA Landfill vs. RCH Recycle 401k Consolidation Auto Portability")Every day, we’re reminded that recycling is the responsible thing to do:  from the recycling bins we walk by, to the paper we use, and the cans and bottles that we drink from.   All of us would agree that conservation of our precious resources is critical, so we gladly pitch in and do our part. [Read More](https://blog.rch1.com/blog/force-outs-recycle-v-landfill) Oct 05 2015 ## [Let a Roll-In Increase Your Retirement Income](https://blog.rch1.com/blog/let-a-roll-in-increase-your-retirement-income) ![MarketWatch](https://blog.rch1.com/hs-fs/hubfs/Publications/MarketWatch/Logo/marketwatch-logo2.jpg?width=200&name=marketwatch-logo2.jpg "MarketWatch")In his 10/2/15 MarketWatch article [*Let a Roll-in Increase Your Retirement Income*](http://www.marketwatch.com/story/let-a-roll-in-help-increase-your-retirement-income-2015-10-02), RCH President & CEO J. Spencer Williams advises retirement savers to bring their savings with them, vs. leaving their accounts behind -- or worse, cashing out. [Read More](https://blog.rch1.com/blog/let-a-roll-in-increase-your-retirement-income) Sep 02 2015 ## [One Solution to Three Costly Retirement-Saving Mistakes](https://blog.rch1.com/blog/one-solution-to-three-costly-retirement-saving-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/one-solution-to-three-costly-retirement-saving-mistakes-2015-09-02)In his September 2nd, 2015 [MarketWatch article *One Solution to Three Costly Retirement-Saving Mistakes*](http://www.marketwatch.com/story/one-solution-to-three-costly-retirement-saving-mistakes-2015-09-02), RCH’s CEO Spencer Williams provides insight as to why a majority of Americans are not very confident in their retirement readiness. Three costly mistakes consistently plague retirement savers:  1) leaving 401(k) accounts behind when changing jobs, 2) prematurely cashing out and 3) not informing prior employers’ retirement plan record-keepers about address changes. [Read More](https://blog.rch1.com/blog/one-solution-to-three-costly-retirement-saving-mistakes) Page: [‹](https://blog.rch1.com/blog/author/neal-ringquist/page/4) [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/6) [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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