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If you want it, ask for it

When I was a kid, I’d be passive-aggressive in the sense that I wouldn’t let people kn...

Ary Rosenbaum, That 401(k) Guy

Just because they say they’re good, doesn’t make it so

If people pass on enough incorrect information out there, you start to believe it. When I ...

Ary Rosenbaum, That 401(k) Guy

The good old days for advisors are gone

In the good old days of participant-directed 401(k) plans, a good chunk of financial advis...

Ary Rosenbaum, That 401(k) Guy

Know why you hired them

As a plan sponsor, you have a fiduciary duty to hire competent plan providers to handle yo...

Ary Rosenbaum, That 401(k) Guy

Sometimes, the litigators want a piece of you

Many years ago, I represented a defined benefit plan sponsor being investigated by the Dep...

Ary Rosenbaum, That 401(k) Guy

More annuities in plans is a pause for concern

A growing number of U.S. employers are adding lifetime income solutions to their defined c...

Ary Rosenbaum, That 401(k) Guy

IRS offers guidance on uncashed checks, but not really

In a recent revenue ruling, the IRS stated that if a participant or a beneficiary doesn’...

Ary Rosenbaum, That 401(k) Guy

The problem with target date funds

  I wasn’t a fan of target-date funds when the markets crashed in 2008 because ther...

Ary Rosenbaum, That 401(k) Guy

If you’re late with deferrals, it will probably happen again

People who are late are usually late most of the time. I’m usually always early for a me...

Ary Rosenbaum, That 401(k) Guy

You’re still using too much paper

  I used to use a lot of paper in my law practice. Then I had 10 feet of water in my ...

Ary Rosenbaum, That 401(k) Guy