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Ary Rosenbaum, That 401(k) Guy

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

IRS Updates Safe Harbor Explanations for Retirement Plan Administrators — What You Need to Know

The Internal Revenue Service (IRS) and Department of the Treasury issued Notice 2026-13 on January ...

When a Top 401(k) Plan Ends Up in Court: Lessons from the Bloomberg ERISA Suit

Big headlines in retirement plan litigation don’t just hit household names; they’re a reminder ...

45 Years Later, Still A Miracle

My favorite sports memory as a kid will always be the 1980 U.S. Olympic Hockey Team. I was seven ye...

Niche Markets: Doctors, Law Firms, Unions, and Family Businesses

Every plan provider says the same thing: “We work with everyone.” That sounds inclusive, but it...

How Advisors Can Stop Competing Only on Investments

For decades the advisor sales pitch sounded like a broken record: better funds, better performance,...

The 5 Documents Every Plan Sponsor Should Have in a Drawer

Running a 401(k) plan isn’t just about picking a fund lineup and hoping employees save enough for...

Your 401(k) Is a Promise, Not a Perk

Too many employers talk about their 401(k) plan the way they talk about free coffee in the break ro...

Stop Treating the 401(k) Like the Office Copier

I’ve walked into more companies than I can count where the 401(k) plan gets the same level of att...

Hands Off the 401(k): Why Using Retirement Money for Home Down Payments Is a Terrible Idea

Every few years, someone in Washington rediscovers the 401(k) and decides it should be used for som...

Asset Sale vs. Stock Sale: Why Your 401(k) Plan Cares More Than You Think

When companies talk about mergers and acquisitions, the conversation usually revolves around tax tr...