Chief Justice John Marshall famously wrote in McCulloch v. Maryland that “the power to tax is the power to destroy.” In today’s retirement plan business, I’d argue there’s a modern parallel: the power to assign a financial advisor to a particular Po...
PEPs were sold to the retirement plan industry as the answer to everything—lower costs, better governance, and less fiduciary risk for employers. What doesn’t get enough attention is the new layer of conflicts that PEPs can introduce, especially when the ...
There’s a growing belief in the retirement industry that technology equals quality. Sleek dashboa...
One of the hardest parts of being a plan provider isn’t the complexity of ERISA—it’s the inco...
Every few years, someone declares revenue sharing “dead.” And every few years, it stubbornly su...
Plan providers love to say, “We’re not the fiduciary.” And in many cases, that’s true. But ...
For years, plan providers survived on a simple premise: do solid work, keep clients happy, and the ...
Every plan sponsor committee has one. The loudest person in the room. The one with the strongest...
When a retirement plan error surfaces, the first reaction is almost always the same: finger-pointin...
Providers often believe that being helpful will protect them if something goes wrong. It feels intu...
