Independent Actuaries Blog Author: Independent Actuaries, Inc.

ShareFile Login Info

At the beginning of December, Citrix ShareFile expired the passwords for all account users. If you are unable to log in to ShareFile, you will likely need to reset your password. From the ShareFile login page, click on “Forgot Password?” … Continue reading

IAI Retirement Calculator

Have you noticed our online retirement calculator? The Independent Actuaries, Inc. retirement calculator has a chart that projects your personal savings and retirement account separately and another one showing your projected income and expenses as you move into retirement. You … Continue reading

The Magic School Bus Takes a Risk: A Book About Probability

The American Academy of Actuaries partnered with Scholastic to publish a picture book that features an actuary! Their purpose is to educate children about the actuarial profession. The Magic School Bus was among the highest-rated PBS TV series of the … Continue reading

The Importance of Peer Review

Did you know that all of the reports produced at IAI are peer reviewed? Here are some benefits of peer reviewed work: Acts in the interests of the client Continuous improvement in the quality of our products Products are completed with … Continue reading

IRS Announces Retirement Plan Limits for 2018

The IRS has announced the new retirement plan limits for 2018. Some limits increased from 2017 to 2018, and some stayed flat. Highlights include: The compensation limit used to determine benefits and contributions for both defined benefit and defined contribution … Continue reading


We frequently mention ERISA bonds in our communications with plan sponsors. An ERISA fidelity bond insures the plan against losses due to fraud or dishonesty by those who have access to those funds. Because such losses are rare, the cost … Continue reading

OregonSaves Moves Forward Despite Uncertainty

Amid uncertainty at the federal level, on April 18, 2017, the Oregon Retirement Savings Board issued the Permanent Rules of the Oregon Retirement Savings Program, commonly called OregonSaves. In doing so, the State of Oregon took another step towards implementing … Continue reading

Roth Opportunities in Qualified Plans

Business owners who are contributing to a Roth IRA (or are considering if they should) can realize a greater impact with the Roth features in a 401(k) plan. 401(k) plans can allow participants to defer salary as a Roth contribution … Continue reading

IRS Issues Guidance on Hardship Distributions

The IRS recently issued an internal memorandum to provide guidance to its Employee Plans examiners who encounter a defined contribution plan that allows hardship distributions. A plan sponsor can take the participant’s word that there is no other source of … Continue reading

Consumer Financial Education: Advice from Experts on a Variety of Financial and Consumer Topics

When it comes to financial decisions such as when to start taking Social Security benefits, how to save and plan for retirement, or what types of insurance to carry, many of us have questions or wish we knew more on … Continue reading