News from Kampstra Wealth Management
Summer Reading List
Summer’s here, and you know what that means – its reading season! Boost your financial literacy from the beach with one of our book recs.
Proposed DOL Rule Includes Safe Harbor for Those Weighing Plan Investment Options, Including Private Market Exposure
In March 2026, the U.S. Department of Labor (DOL) proposed a rule related to fiduciary prudence under the Employee Retirement Income Security Act of 1974 (ERISA). The proposed Fiduciary Duties in Selecting Designated Investment Alternatives rule clarifies fiduciary obligations when selecting investment options in defined contribution plans, including funds that contain private market investments, and provides safe harbor guidance.
10 Money Lessons to Teach Your College-Bound Teen This Summer
The summer before college is a great time to teach a few money basics that can prevent costly mistakes later. Focus on the essentials: how to save, spend wisely, avoid fees, and manage money independently.
AI Used Widely (Though Not Always Wisely) for Retirement Planning
AI is now a copilot for everyday tasks, helping people with emails, meal planning, workout routines, and more. It’s also impacting how participants approach retirement planning.
Timing Is Everything:What to Know About 401(k) Vesting
A 401(k) isn’t just a tool for your own savings. It can also help you access additional retirement support from your employer. Many plans include employer contributions, including employer matching or discretionary employer contributions. To make the most of this added benefit, it helps to understand how and when those contributions become fully yours – that is, when you become “vested.”
Retirement Expectations vs. Reality: What Workers May be Getting Wrong
The 2026 Employee Benefit Research Institute (EBRI) and Greenwald Research Retirement Confidence Survey (RCS) finds a widening gap between what workers expect retirement to look like and what retirees actually experience, particularly around retirement timing and working for pay. For plan sponsors and advisors, the findings offer a timely reminder of why proactive and realistic education matters.
Mid-Year Check-In
5 important things to do now to optimize your financial health.
Survey: Knowledge Gap Drives Retirement Plan Nonparticipation
Among people who choose not to participate in their employer-sponsored retirement plan, many cite a lack of understanding as the primary reason, according to recent surveys.
Market Turbulence: What History Tells Us
When global crises affect financial markets, it can be tempting to rethink your savings strategy. But history indicates that pulling money out of the markets during such times could mean missing out on any rebounds that follow.
Study: Confidence Higher Among Target Date Fund Investors
A new survey by Voya Investment Management finds that participants who invest in target date funds (TDFs) feel significantly more confident about their retirement savings than their peers who are not invested in TDFs.
News Archive
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