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Ary Rosenbaum, That 401(k) Guy

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

If It Isn’t Documented, It Didn’t Happen

One of the first lessons I learned practicing ERISA law is that memories fade, people leave, and ye...

Multi-Factor Authentication Is the Cheapest Fiduciary Decision You’ll Make

Cybersecurity can seem overwhelming for plan sponsors. Data breaches, phishing attacks, ransomware,...

Full Circle at Fanatics Fest

For my 21st birthday, I had a very different celebration than my son did. I remember going to Fi...

What Were They Thinking? Van Halen III

Every band has a misstep. Even the greatest ones. For me, one of the biggest head-scratchers in ...

Hardship Withdrawals Are Rising. The Answer Isn’t Making Them Harder.

A recent Vanguard report found that a record 6% of eligible 401(k) participants took hardship withd...

There Are Two Sides to Every Story

Years ago, I worked at a law firm that wasn’t a good fit for me. While I was there, I introdu...

The PEO Roach Motel

Remember those old Roach Motel commercials? “Roaches check in…but they don’t c...

The Annual Meeting You’re Still Not Having

Every retirement plan should have an annual meeting. Not the participant education meeting. Not the...

Your Employee Handbook Doesn’t Replace a Plan Document

I can’t tell you how many times I’ve heard someone say, “It’s in our employ...

What Were They Thinking? KISS and Music From “The Elder”

Every band has that one moment where they outsmart themselves. For KISS, that moment was Music F...