I always say that plan sponsors need a solid team: an experienced financial advisor, a competent third-party administrator (TPA), and a knowledgeable ERISA attorney. But let’s talk about that word—experienced. Like “reasonable fees,” it’s one of tho...
I love Las Vegas. Great restaurants, great shows, and five trips in a row without dropping a nickel into a slot machine. Why? Because I hate gambling. I hate losing even more. Honestly, just getting out of bed every morning is risky enough for me. That sai...
Many moons ago, I got a call from a bank with a problem. For two decades—yes, twenty years—they...
Alright, listen—I’m stubborn. I admit it. There are just some things I don’t understand, and ...
I have experienced several bear markets as an ERISA attorney, and it’s never easy, especially...
As famously quoted in *This Is Spinal Tap*, there is a fine line between stupidity and cleverness. ...
As a 401(k) plan sponsor, you need to know that plan errors happen all the time. A 401(k) plan has ...
There are so many articles for plan sponsors (I’ve written quite a few) where they go on and on a...
ERISA requires disclosure of certain plan documents to participants including a summary plan descri...
I’ve been in the retirement plan business for 26 years and I’ve been through a few recessions i...
