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You can’t go negative

Growing up, I was a pessimist. I don’t why, but I let any little thing get to me and I realized that being negative, scares people away.   That’s why I recommend when dealing with potential clients, don’t harp on the negative that you see with the p...

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Change the neglected part of automatic rollovers with FPS

One of the most forgotten parts of a 401(k) plan is the automatic rollover and who the automatic rollover provider is. I was going through a Department of Labor audit on a terminated plan and they asked me how the automatic rollover provider was hired and what...

schnorr

You have to deal with schnorrers, but draw the line

One of my favorite Yiddish words is schnorrer. While it means beggar or sponger, it’s essentially ...

samadams

There is room for everyone

When fee disclosure regulations were implemented, there were a few industry chicken littles that sug...

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The Safe Harbor Change for Non-Electives is Big

The SECURE Act created much-needed change to the safe harbor non-elective contributions, making it m...

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Cybersecurity is an important concern

Without fail, every day I get emails that want to target one or more of my important online accounts...

jeter

Yeah, Jeter wasn’t a unanimous choice, so what?

They will tell you that football in this country is king, but yet I never hear any debates about the...

yeah

Yeah, that won’t work

I always say that the retirement plan business is relationship-driven. It’s a business built on tr...

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Watch those social media posts

I was a little irritated when a person from my community was appointed to an elected position becaus...

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Make Sure Plan Sponsors Have Those Hardship Changes In Place

I was an attorney for a third party administrator (TPA) in 2007 and one of our plan administrator sa...