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Ary Rosenbaum, That 401(k) Guy

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All posts by Ary Rosenbaum, That 401(k) Guy

Sponsors Don’t Want More Choices—They Want Fewer Problems

There’s a certain strain of thinking in this business that more is better. More funds. More featu...

You’re Not a Partner If You Don’t Push Back

Everyone loves a “partner” who agrees with them. Until it blows up. In the retirement plan w...

The Implementation Is the Sale

Plan providers think they win the business at the RFP. Nice presentation, polished deck, competitiv...

The Real Risk Isn’t the Market—It’s Your Process

Plan sponsors spend a lot of time worrying about the market. Is it too high? Too low? Are we headin...

Your Recordkeeper Isn’t Your Fiduciary (Even If They Act Like It)

Plan sponsors love a good illusion. And the biggest one in the 401(k) world is this: if the recordk...

What Were They Thinking? The Chevy Chase Show

There are bad ideas, and then there are ideas that should have been stopped in the parking lot befo...

The 30% Mirage: Retirement Income Isn’t a Hack—It’s a Plan

Every now and then, the industry rolls out a headline that sounds like it belongs in a late-night i...

Your Participants Aren’t Stupid—They’re Being Targeted

There’s a dangerous assumption in the retirement plan world: that people who fall for scams someh...

Participants Aren’t Lazy—Your Plan Is Just Too Optional

Plan sponsors love to say participants don’t engage. They don’t enroll, don’t increase deferr...

The Most Expensive Words in Retirement Plans: “We’ll Fix It Later”

There are phrases in the retirement plan business that should set off alarms. Not the obvious ones...