David Ranney

David Ranney is Vice President of Sales at Rebalance overseeing the firm’s premier small business 401(k) offering, Better K. Previously, he spent more than two decades at Fidelity, driving innovation in workplace retirement investing. He holds a BA in Economics from College of the Holy Cross and an MBA from Boston College. David also holds a Series 65 securities license. David partners with small business owners across many industries, helping them lower 401(k) fees, optimize asset allocation, increase plan participation, and promote employee retirement planning. The result is higher employee satisfaction and greater employee retention.

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A Simple Way to Get Workers to Save More for Retirement

Discover an approach to retirement savings that balances convenience with individual choice, offering insights into strategies for boosting retirement preparedness. In this Wall Street Journal article, Shlomo Benartzi’s proposal of automated account setup sheds light on a nuanced solution to increase retirement savings rates. A Simple Way to Get Workers to Save More for Retirement… Continue reading →

 

Secure 2.0: Wide-Sweeping Retirement Legislation Passed by Congress

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At Rebalance, we strive to make investing and saving for retirement smoother, safer, and easier for our small business owner clients and their employees with our BetterK solution. The recent passage of the new Secure Act 2.0 aims to expand access to retirement plants, increase retirement savings, help Americans preserve income, and streamline retirement plan… Continue reading →

 

Your 401(k) Plan Should Come with an Advisor. Here is Why.

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Recently, we wrote about what we consider best practice for our clients in terms of 401(k) plan design, such as offering a Roth 401(k), the advantages of a Safe Harbor design, and more. For small businesses, however, there is another important consideration: whether or not to seek investment advice. Many business owners have no financial… Continue reading →

 

Big Retirement Plan Mergers May Leave Business Owners Holding the Bag

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Retirement plan mergers have changed the face of the 401(k) market, and not necessarily in favor of business owners. There were once a small number of big names in retirement, leading players who were record keepers for thousands of companies and millions of employees: Prudential, Mass Mutual, Wells Fargo, Fifth Third Bank, New York Life,… Continue reading →

 
small business retirement plan design

5 Crucial Elements of Small Business Retirement Plan Design

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Business owners often adopt best practices when it comes to a new product or service. They should take the same approach toward small business retirement plan design. It’s easy to assume that all plans are the same. They are not. That’s why design matters. In our experience, no matter the size of your business, there… Continue reading →

 
Your 401(k) Plan and Risk

Your 401(k) Plan and Risk: Understand the Fine Print

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Who reads the fine print? Anyone? Of course not. Not on your new cellular phone and even less when entering any given website full of cat videos. But what about a 401(k) plan at work? You’d think that would deserve a close read. A client of mine shared the contract he got from one plan… Continue reading →