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45 Years Later, Still A Miracle

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

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

Every plan provider says the same thing: “We work with everyone.” That sounds inclusi...

How Advisors Can Stop Competing Only on Investments

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

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 ...

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 th...

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 le...

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 us...

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 aro...

Payroll Errors and the Domino Effect on Your 401(k) Plan

Most 401(k) problems don’t start in the plan. They start in payroll. Plan sponsor...

Put on Waivers, Not Washed Up

I started my own practice almost sixteen years ago because I was tired of working for oth...