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The Retirement Plan Dentist

About 20 years ago, there was a medical report claiming that dental plaque could cause heart disease. Now, the cynic in me can’t help but wonder if that was cooked up by the dental lobby as a way to generate more patient visits. Let’s face it—fluoridate...

Maybe time to get rid of the SEP?

Those small employer plans like SEPs and SIMPLE-IRAs? They’re great starter tools for retirement savings. Think of them like toddler clothes: low maintenance, affordable, and easy to manage. No administration costs, no annual 5500s, and they get the job don...

Experience can mean a lot of things

I always say that plan sponsors need a solid team: an experienced financial advisor, a competent th...

Gambling against a government audit is a bad bet

I love Las Vegas. Great restaurants, great shows, and five trips in a row without dropping a nickel...

Being aggressive on your mistakes could be a bad idea

Many moons ago, I got a call from a bank with a problem. For two decades—yes, twenty years—they...

I will never understand a TPA asset based fee

Alright, listen—I’m stubborn. I admit it. There are just some things I don’t understand, and ...

The problem with stock market volatility

I have experienced several bear markets as an ERISA attorney, and it’s never easy, especially...

Keep it simple stupid

As famously quoted in *This Is Spinal Tap*, there is a fine line between stupidity and cleverness. ...

The multiple loan problem

As a 401(k) plan sponsor, you need to know that plan errors happen all the time. A 401(k) plan has ...

What all good 401(k) plans have

There are so many articles for plan sponsors (I’ve written quite a few) where they go on and on a...