Plan Talk with Ben Rizzuto: Recent Episodes
Janus Henderson Investors
Host Ben Rizzuto connects you with timely insights on the latest defined contribution retirement strategies. Exploring top trends and considerations for plan sponsors and participants, Plan Talk keeps you at the forefront of developments in the DC marketplace and offers perspective on what they mean for you and your practice.
Ben Rizzuto is a Retirement Director for Janus Henderson Investors. He works with financial professionals, platform partners, Janus Henderson colleagues and clients to find solutions to today’s increasingly difficult retirement issues. Ben holds FINRA Series 7 and 66 securities licenses and the Certified Financial Planner (CFP®) and Chartered Retirement Plans Specialist (CRPS®) designations.
Email: Benjamin.Rizzuto@janushenderson.com
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Ben looks back on 2022 and discusses noteworthy stories and trends that impacted the retirement plan industry last year.
Retirement Director Ben Rizzuto speaks with Damien Comeaux, Senior Portfolio Strategist, about how the Portfolio Construction and Strategy (PCS) team analyzes plan menu lineups to help ensure they provide adequate diversification.
How plan sponsors can make virtual meetings more effective and engaging for plan participants of all ages.
Plan sponsors have a vast number of investment options to choose from when constructing plan menus – a daunting exercise not unlike choosing the correct combination of letters in a game of Wordle. Retirement Director Ben Rizzuto offers guidance on how to assess these options and build plan menus that meet a range of participant needs, today and into the future. To learn what other market trends may affect participants and plan menus, read the https://cdn.janushenderson.com/webdocs/436027_PDR_2022PCSTrendsAndOpportunities_exp_01_30_23.pdf (2022 Trends and Opportunities) report from our Portfolio Construction and Strategy group. https://www.janushenderson.com/en-us/advisor/article/2022-trends-and-opportunities/ (https://www.janushenderson.com/en-us/advisor/article/2022-trends-and-opportunities/) https://www.janushenderson.com/en-us/advisor/rethinking-fixed-income-in-dc-plans/ (https://www.janushenderson.com/en-us/advisor/rethinking-fixed-income-in-dc-plans/)
The question of how much retirees can withdraw has only grown more complex in recent years. In this episode of Plan Talk, Retirement Director Ben Rizzuto discusses why traditional approaches to decumulation – such as the 4% rule – should be viewed as starting points rather than one-size-fits-all solutions, especially with inflation on the rise.
One of the biggest challenges retirement plan sponsors face is how to effectively communicate with participants and keep their attention. And in today’s virtual world, it’s more challenging than ever. In this episode, Retirement Director Ben Rizzuto outlines several ideas for interacting with participants to help them stay engaged with their retirement plans.
Like the prospect of cleaning up a messy room, taking those first steps toward financial independence can feel overwhelming. In fact, 53% of millennials are not sure where to start when it comes to making financial decisions. Retirement Director Ben Rizzuto shares three simple ideas to help younger people clean up their financial rooms through budgeting, controlling spending and making a written plan.
In this year’s final episode of Plan Talk, Retirement Director Ben Rizzuto recaps notable updates, trends and legal cases from the past year in the defined contribution space. And as always, he shares a playlist of his favorite new songs from 2020. Ben’s Top Songs of 2020 “All That Ever Mattered” – HAIM “I Live at Night” – I Break Horses “Inspirit” – Julianna Barwick “Ingydar” – Adrianna Lenker “Something I Do” – Sweet Whirl “Ghost of Soulja Slim” – Jay Electronica “A few words for the firing squad” – Run the Jewels “Can I Believe You” – Fleet Foxes “Highway” – St. Panther “Lost in Yesterday” – Tame Impala “Born Confused” – Porridge Radio “Michigan Hammers” – Protomartyr
Many American workers fear that the Social Security trust could be depleted in the not-so-distant future, which may lead some individuals to collect their benefits early – a decision that can significantly reduce their earned benefit. In this episode of Plan Talk, Retirement Director Ben Rizzuto explains research-based techniques that can be used to help ensure people more fully consider their options and make better decisions regarding when to claim this important earned benefit.
In the latest episode of Plan Talk, Retirement Director Ben Rizzuto and Fixed Income Product Specialist Jessica Leoncini discuss current plan menu designs and investment trends in defined contribution (DC) plans. Referencing the findings from a survey Janus Henderson recently conducted with the Plan Sponsor Council of America, they explain how the lack of adequate fixed income options in many defined contribution plans could affect participants’ ability to retire comfortably – particularly with global interest rates at historic lows.
In the latest episode of Plan Talk, Retirement Director Ben Rizzuto discusses why it’s important for retirement plan sponsors to listen to plan participants in order to understand their needs – particularly during these challenging times. He suggests plan sponsors can gauge investor sentiment by reviewing participant surveys and record-keeper reports and use that data to create better education programs and resources.