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15E47D7C-3A4F-476F-9AD8-7F9CE5953868

Need to differentiate yourself among the bug boy and girls

A report by Cerulli on the future of the retirement plan business had a startling number. The report showed estimates that the 10 largest recordkeepers will represent more than 75% of record kept 401(k) assets by year-end 2019. That’s a startling number if y...

flinstonetie

The Legend of The Flintstones Tie

I was a first-year law student participating in moot court, just because all second-year students participated even when I knew I had zero interest in ever being a litigator. In those days, my mother would buy me these cheap character ties at Marshalls, as wel...

surethings

There are no sure things, there are opportunities

Every time I’ve spoken to other plan providers about sure things they are working on, all I later ...

millennials2

Dealing with Millennials has been a struggle so far

I was born in 1972 and aside from fashion, music, and interior decorating, I’m a fan of the 1970s,...

checklist3

You have to have a plan

Imagine if Mark Zuckerberg hatched the idea for Facebook, yet all he did was talk about the site ins...

irs3

Bad advice can create bad IRS and DOL assumptions

A financial advisor called me and asked me if there was a problem that an insurance policy paid by a...

distr

Great distribution needs a good product

If you have a great product, but lousy distribution, you’re not going to do well. Yet the same thi...

competition

Focus on what the competition isn’t

When I started my law practice, I started to look at what the competition was doing and I decided to...

paperbox

E-Disclosure is the way to go

There are quite a few people who will say that the Department of Labor (DOL) didn’t go far enough ...

trustprocess

Investment education is all about a process

Advisors ask me all the time of the role of education in participant-directed 401(k) plans. Particip...