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An Educational Policy Statement is just paper

Any type of item that keeps you health is a good thing as long as you use it. So the floss I bought...

The mega backdoor Roth is usually not going to work

I have received more inquiries about after-tax voluntary contributions in the past two weeks than i...

The truth about index funds and fee disclosure

I’ve always been a big fan of index funds, probably more so when exchange-traded funds became a t...

Plan Sponsors Should Get Their Own Football

When I was in college in the early 1990s, I was heavily involved in student politics. I would go an...

Choose quality over popularity

I’m not very popular, never have been, and never will be. It’s probably my personality or just ...

K.I.S.S.: Keep it simple stupid

As they once said in This is Spinal Tap, there is a fine line between stupid and clever. I can assu...

The problem with participation agreements

A 401(k) plan with multiple participating employers hosts several problems. The first is recognizin...

The exclusion fiasco

Scrivener’s error is a mistake made by someone who is writing or copying something down, like a t...

Committees need a dedication to the process

The best retirement plan committees I’ve seen are dedicated to the process. That means regularly ...

The inefficiency of plan design

When you start fixing up the house (for me, a never-ending battle) and replacing appliances or item...