The Principal Financial Group is a global financial investment management leader headquartered in Des Moines, Iowa.

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Principal Financial Group
Principal Financial Group
Blog Post
  • Fall is an exciting time of year. Kids are back in school, farmers harvest their crops, and there’s football season! It’s also time for individuals over the age of 65 to look at their Medicare coverage. We often see individuals “set it and forget it.” That’s a mistake with Medicare coverage. Health care is one[…]

Principal Financial Group
Principal Financial Group
Blog Post
  • Twenty years ago, I was getting up every day at 4 a.m. to hustle to formation. I started with a unit run, sit-ups until I couldn’t breathe and every variation of push-up you can imagine. It lasted until I was a puddle on the ground in muscle failure. I distinctly remember rushing to the showers, barely[…]

Principal Financial Group
Principal Financial Group
Blog Post
  • Recently, my weekly supply run to the local warehouse store was unexpectedly interrupted by a life changing event. As I turned the corner with my oversized cart, finishing off the remnants of the free buffalo chicken from the last aisle, there it was. Football…in wide screen, glorious 4K HDTV! After the initial euphoric shock wore[…]

Principal Financial Group
Principal Financial Group
Blog Post
  • If you’re like me, you can find conflicting advice a bit frustrating. For instance, I recently talked to two different contractors about a project we’re considering and received two completely different opinions. Now, I know there’s often more than one way to solve a problem, but in this situation, I don’t have enough information to[…]

Principal Financial Group
Principal Financial Group
Blog Post
  • As we approach year-end, investor thoughts inevitably turn to the risks for next year. Our own internal discussions have identified the following risks: central bank tightening, tight valuations, and politics. While the third is certain to continue festering across many parts of the world, the last few weeks have been encouraging on the first and,[…]

Principal Financial Group
Principal Financial Group
Blog Post
  • Fee levelization — or fee equalization — is a hot topic these days. In fact, retirement-focused advisors rank ‘equalizing fund revenue’ among their top five criteria when choosing a service provider[1]. Unfortunately, advisors don’t seem to be turning the interest into opportunity. But in my opinion, advisors are in a great position to provide education[…]

Principal Financial Group
Principal Financial Group
Blog Post
  • On October 3, 2017, the IRS released Notice 2017-60, finally acknowledging that new mortality assumptions would be required for 2018 in the determination of minimum contributions and, by association, Pension Benefit Guaranty Corporation (PBGC) premiums. But in an altruistic maneuver by the IRS (two words not often read in the same sentence) an option to[…]

Principal Financial Group
Principal Financial Group
Blog Post
  • European political risk seems to once again be rearing its ugly head. Last week, Catalonia voted in favor of declaring independence from Spain, with an overwhelming 90% majority. Turnout was low at 43%; although, this was partially due to heavy-handed attempts by the Civil Guard to stop the technically illegal referendum from taking place. Major[…]

Principal Financial Group
Principal Financial Group
Blog Post
  • How did events from the third quarter of 2017 impact our 2017 outlook? The U.S. and global economies are still experiencing a synchronized global expansion. We believe that the United States can look forward to continued robust growth, along with the Eurozone, China, and Japan. Look for normalizing policy by central banks, with gradual interest[…]

Principal Financial Group
Principal Financial Group
Blog Post
  • Business owners planning for the succession of their company have a lot on their mind. They must select from the myriad of options available to them for transferring ownership. They must plan for the continued operation of the firm. They have literally hundreds, if not thousands, of decisions to make. So, it is not surprising[…]

Principal Financial Group
Principal Financial Group
Blog Post
  • There’s no doubt fee equalization (or fee levelization) for participant retirement plan fees continues to be a hot topic. In the past few months we’ve seen the number of advisors and plan sponsors asking about fee allocation grow significantly. Beyond the basic questions, advisors want to know more about which clients make good candidates. It’s[…]

Principal Financial Group
Principal Financial Group
Blog Post
  • Lately we’ve been looking for research on fee levelization — or fee equalization — trends in 401(k) plans. Turns out there are a few studies out there, but it’s slim pickings. The studies we’ve found don’t really give us a good sense of the current landscape. So, we decided to do our own research by[…]

Principal Financial Group
Principal Financial Group
Blog Post
  • Almost nine years after beginning its balance sheet expansion, the Federal Reserve (Fed) has taken the first step toward unravelling this extraordinary crisis measure. Alongside this momentous (if understated) policy move, the Fed signalled that despite low inflation it still intends to raise policy rates once more this year, and three times next year. Does[…]

Principal Financial Group
Principal Financial Group
YouTube Video
  • Life doesn’t always go according to plan. Accidental injuries happen, and they can have a big impact on the wallet. Principal accident insurance helps supplement key benefits by providing employees a lump-sum cash benefit. It can be used any way it’s needed after an accidental injury to help pay expenses like medical deductibles and copayments; transportation, food and lodging; child care; and ho...

Principal Financial Group
Principal Financial Group
Blog Post
  • In my last post I talked about my neighbors’ discomfort with change, even though it positions us for the future. Some have complained a new TV service is inferior. While I agree there may be fewer bells and whistles, the new provider uses a fiber optic-based system with plenty of room for future upgrades. It’s[…]

Principal Financial Group
Principal Financial Group
Blog Post
  • My community recently experienced a technology upgrade. We now have fiber optics for TV and ultra-high speed internet. While I don’t really have use for 1GBps internet speed today, I know this latest evolution enables future technology. Change is often a good thing. But not everyone sees it that way. Many neighbors have raised complaints[…]

Principal Financial Group
Principal Financial Group
Blog Post
  • In my last post I talked about my neighbors’ discomfort with change, even though it positions us for the future. Some have complained a new TV service is inferior. While I agree there may be fewer bells and whistles, the new provider uses a fiber optic-based system with plenty of room for future upgrades. It’s[…]

Principal Financial Group
Principal Financial Group
Blog Post
  • The German economy seems to be going from strength to strength. Unemployment has fallen to just 3.8%, consumer confidence is encouragingly positive, and the Ifo business confidence index is close to record highs. Perhaps it is no wonder that Angela Merkel is likely to win a fourth term as German chancellor in the federal elections[…]

Principal Financial Group
Principal Financial Group
Blog Post
  • Working on my third coffee, I was anxious to board my flight. I kept an eye on the clock while watching the list of standby passengers mushroom. Growing impatient, I fixated on updates to the flight status. I just wanted to get buckled in and on my way. Of course, I couldn’t complain too loudly.[…]

Principal Financial Group
Principal Financial Group
Blog Post
  • I’m starting to hear this question a lot. Which is great news because it means you’ve not only heard about the possible benefits of fee levelization, but you want to learn more. We’re certainly seeing a lot of interest in this topic among advisors, but now it’s time to help clients learn about it too.[…]

Principal Financial Group
Principal Financial Group
Blog Post
  • There are many anxieties for investors in global markets. The one keeping me up at night is Brexit. Having defied all the negative economic forecasts following last year’s Brexit referendum, the UK economy is now losing momentum. GDP growth in first quarter was just 0.2%, and 0.3% in second quarter. Business investment was stagnant and[…]

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