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Essentials of Retirement Planning by Eric Robbins

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CHAPTER 2

The Retirement Landscape

Introduction

Many people are honest in their intentions and actions. Some are not. The presence of this “some” necessitates an entity to create rules and to monitor them. The purpose of the rules is to ensure that the participants in the employer-sponsored plans are not being taken advantage of. The American government enacted ERISA (Employee Retirement Income Security Act) in 1974 and the Pension Protection Act in 2006 (PPA) to help with this need to level the playing field and to keep all players honest. There are three primary governmental organizations that influence pension regulation. In this chapter, you will learn about each of them and what they do.

Learning Goals

  • Explain how ERISA reshaped the world ...

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