We’ve all kept an eye on default rates creeping upward lately. But here’s what catches my attention: rising defaults don’t just affect participants, they test the backbone of a plan’s design, governance, and fiduciary discipline. As defaults increase,...
AI can feel like magic—predicting outcomes, personalizing communications, streamlining decisions. But in the fiduciary world, magic without guardrails is a ticking lawsuit. Here’s what every sponsor should do before turning on the “AI switch”: 1. S...
If you thought catch-up contributions were settled territory, think again. The IRS has now issued f...
Whenever I sit with a retirement plan committee, I can’t help but be reminded of my experiences w...
If you want to stay out of DOL trouble, here’s what I’d tell you over a drink,no legalese, just...
If you’re a plan sponsor, here’s what I’d tell you about the growing conversation around cryp...
When I was a kid, there was an ad about EF Hutton brokers. The line was simple: “When EF Hutton t...
Every single day, I get a text that someone is trying to hack into my Coinbase account. I don’t e...
One of the biggest problems I see when new clients hire me is that they never bothered to review th...
Years ago, back in law school, I was the Executive Editor of the student news magazine. It wasn’t...
