The Advantages of Fiduciary Standards
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Dick Shafer has served as executive director at Well and Good LLC, in Madison, Wisconsin, since 2009. In this role Dick Shafer, sometimes known as Richard Shafer, furnishes investment advice to retirement plan fiduciaries. Prior to forming Well and Good LLC in Madison, Dick Shafer spent about five years as a director of retirement solutions for the CUNA Mutual Group and before that as an officer of TIAA.
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Dick Shafer is an expert on 401(k) and 403(b) retirement plans. While 401(k) plans are most common, public schools and non-profits typically offer 403(b) plans. Both plans provide similar tax benefits to employers and employees, including employer matches, elective contributions, and Roth or rollover options. However, 403(b) plans have simpler investment and testing rules, and in some cases allow higher contribution limits. Overall, the minor differences favor 403(b) plans for non-profit organizations.
Retirement Plan Basics: What is a 403(b) plan?
Based in Madison, Wisconsin, Well and Good LLC Executive Director Richard (Dick) Shafer draws upon financial industry experience and fiduciary best practices to advise retirement plan sponsors. Dick Shafer focuses on retirement plans of independent schools and other not-for-profit organizations beyond Madison -- throughout the United States including New York, California and Massachusetts.
403(b) Retirement Plan compared to a 401(k) or IRA
For eight years, Richard (Dick)Shafer has advised not-for-profit plan fiduciaries as executive director of Well and Good LLC, in Madison, Wisconsin. Prior to his work in Madison, Dick Shafer gained expertise in 403(b) retirement plans in California and Massachusetts.
403(b) Plans Explained
Financial executive Richard (Dick)Shafer serves as executive director of Well and Good LLC in Madison, Wisconsin. "Dick" Shafer collaborates mainly with fiduciaries of retirement plan sponsored by non-profits, to oversee accounts involving retirement plans operating under Code section 403(b).
What is a Certified Employee Benefit Specialist Program?
As the executive director of Well and Good LLC located in Madison, Wisconsin, Richard “Dick” Shafer is an experienced financial and retirement plan fiduciary advisor. In addition to his professional work, Richard Shafer is active in the Madison community supporting children with special needs and autism.
The ISCEBS Annual Employee Benefits Symposium
Experienced financial services professional Richard Shafer serves as the executive director of Well and Good LLC in Madison, Wisconsin. Complementary to his work for the Madison-based company, Richard Shafer remains active in organizations such as the International Society of Certified Employee Benefit Specialists (ISCEBS). Among other services, this nonprofit association provides publications, informational resources, and educational programming to benefits professionals.
Elective Deferrals and Nonelective Contributions to 403(b) Plans
A resident of Madison, Wisconsin, Richard Shafer is the executive director of Well and Good LLC. In that capacity, Richard Shafer furnishes investment advice to retirement plan fiduciaries, including plans established under Code section 403(b).
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The Difference Between 401k and 403b Retirement Plans
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403(b) Retirement Plan compared to a 401(k) or IRA
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The Advantages of Fiduciary Standards
- 1. The Advantages of Fiduciary Standards Richard Shafer, Madison
- 2. Introduction • Dick Shafer has served as executive director at Well and Good LLC, in Madison, Wisconsin, since 2009. In this role Dick Shafer, sometimes known as Richard Shafer, furnishes investment advice to retirement plan fiduciaries. Prior to forming Well and Good LLC in Madison, Dick Shafer spent about five years as a director of retirement solutions for the CUNA Mutual Group and before that as an officer of TIAA. At Well and Good LLC Dick Shafer follows a fiduciary standard. The fiduciary standard is considered the highest under law. The Employee Retirement Income Security Act (ERISA) allows plan sponsors as fiduciaries a high degree of reliance upon advice and recommendations delivered by a duly-registered investment advisor (RIA). As such an RIA, Well and Good LLC is bound to operate with complete transparency and avoid conflicts of interest when making client recommendations. Any conflict of interest must be disclosed.
- 3. Fiduciary Standards • Broker dealers, insurance salespersons, and other financial professionals follow a lower, suitability standard. While artful wording may lead the client to infer "advice" if being offered, under ERISA the information is education not advice. The plan sponsor may accept the information but should not rely upon it and independent due diligence would be called for before investing plan assets. Otherwise, the plan sponsor could make an investment decisions that benefits the salesperson rather than alternative(s)more beneficial to the plan and participants. Asking whether there is a fiduciary relationship and for a disclosure of any conflict of interest helps protect the fiduciary making investment decisions.