Newsletters

Fiduciary Fitness Archive

Time to Reset Expectations

We are now in the eighth year of an equity bull market, making this the second-longest upswing in American history…

Should You Rock Alternative in Your Lineup?

The term “alternative investments” may conjure images of classic automobiles, fine wine, rare art and valuable jewels…

Did Someone Order a Large?

Any committee member sitting through their share of plan investment review meetings has heard the term “large cap” come up ...

Assessing the International Equity Markets

The end of 2016 saw another subpar year in the international equity markets when compared to U.S. equity markets…

No Beneficiary Designation. Who Gets The Money?

According to a recent Wall Street Journal article, retirement plans and IRAs account for about 60 percent of the assets of ...

To Bond or Not to Bond?

Over the last few years, there has been a fair bit of concern in the market over the general impact of rising interest rates.

Happy Holidays from Pension Professionals!

As we do each December, this month’s Retirement Times highlights excerpts from issues published in 2016.

Getting the Biggest Bang for Your Buck! – Negotiating Retirement Plan Fees with Your Provider

According to plan sponsors, one of the most harrowing aspects of their fiduciary obligations is to ensure that plan fees are ...

The Scorecard – A Former Portfolio Manager’s Perspective*

I began my investment career in 1995 as an Equity Analyst at AIM Investments…

“Conflict of Interest” or “Fiduciary” Rule: A Plan Sponsor’s Q&A – Part II

Last month we featured the first part of our Q&A series. Now enjoy the final five questions and wrap-up.

“Conflict of Interest” or “Fiduciary” Rule: A Plan Sponsor’s Q&A – Part I

After years of proposed regulation issuance, comment periods, drafting and anticipation, the Department of Labor (DOL) ...

The High Price of Yield and Perceived Safety

Since the inception of markets there have been particular investments that garnered the attention of investors above all others.

Oversimplification in Target Date Funds Endangers Participants’ Retirement Savings

How are custom solutions evolving to mitigate risk? Part III

Oversimplification in Target Date Funds Endangers Participants’ Retirement Savings

How are custom solutions evolving to mitigate risk? Part II

Oversimplification in Target Date Funds Endangers Participants’ Retirement Savings

How are custom solutions evolving to mitigate risk?

2016 Tax Saver’s Credit

Participants may be eligible for a valuable incentive, which could reduce their federal income tax liability, for ...

A Turbulent Start to 2016

The beginning of the year has been a volatile one for the markets, sparking fear amongst investors and serving as a harbinger…

Fiduciary Liability Insurance

Plan sponsors are often concerned with the prudence and process of obtaining insurance covering ERISA retirement plan…

Happy Holidays from Pension Professionals & Year End Recap.

On behalf of everyone here at Pension Professionals, it is our pleasure to extend you the greetings of this special season.

Financial Wellness Insights: Millennials vs. Generation Xers and Baby Boomers

Contrary to their reputation, Millennials stack up surprisingly well against Baby Boomers and Gen Xers across key financial…

A Mission of Retirement Plan Investment Design

“One Small Step” for the Plan Sponsor, “One Giant Leap” for Plan Participants

DOL Regulations, Part II: Who is Not a Fiduciary?

The DOL carved out seven types of advice that will not cause the person who provides certain types of advice to be treated ...

Tibble v. Edison International

In May, the Supreme Court of the United States (the “Supreme Court”) published its long-awaited opinion in Tibble ...

DOL Regulations, Part I: Who is a Fiduciary?

Recently, the DOL released its second attempt at redefining ERISA’s definition of “fiduciary” for the era of ...

The Most Important Assumption

Since the launch of the first target date fund (TDF) in 1993, its story has been an elegant and simple one—select the date ...

Active Managers Can Add Value

There has been much publicity about active managers’ inability to beat their benchmarks over the years…

2016 Budget Proposals Support Retirement Goals

On February 2, 2015, President Barack Obama released the Fiscal Year 2016 Budget of the U.S. Government that reflects a ...

Safe Harbor Regulations Rethought

Traditionally safe harbor contributions have been rather stringent in the sense that once adopted, there seemed to be little ...

Is the Oil Price Decline Beneficial to the U.S. Economy?

Since June, oil prices have fallen to a six-year low, down over 50% from when Brent crude hit a 2014 high of $115 a barrel.

Qualified Plan Governance: Is Your Fiduciary House in Order?

As we enter the New Year, many qualified retirement plan sponsors use this time as an opportunity to examine current ...

Happy Holidays from Pension Professionals!

As we do each December, this month’s Retirement Times highlights “excerpts” from issues published in 2014.

Case Study: Automatic Enrollment Revisited

Eight years have passed since the Pension Protection Act of 2006 virtually blessed automatic enrollment for defined ...

The Fed Steps Back - Will Active Equity Funds Step Up?

In October, the Federal Reserve (the Fed), will wrap up its asset purchase program whereby it monthly purchased billions of ...

Index Funds - More Than Meets the Eye

Index funds manage obstacles that indexes themselves don’t face. The largest is that funds actually must transact in ...

Time Flies - The Importance of Historical Scores

Time flies when you’re having fun. It’s hard to believe that it has been a full five years since we experienced what is ...

What to Expect When Transitioning Providers

The thought of moving from one service provider to another may be intimidating and overwhelming. It doesn’t have to be…

Determining Fee Reasonableness of a Retirement Plan Recordkeeper

The determination of reasonableness of fees has always been a core fiduciary function for ERISA plan sponsors…

Weathering All Market Conditions

Participants have been riding a massive wave of decreasing rates and have become accustomed to 8% annual rates of return to ...

3(16) ERISA Fiduciary Definition

Recently there has been an emergence of entities offering to provide ERISA Section 3(16) services. Plan sponsors may be ...

Investment Policy Statement Review: Beyond the Obvious

The Employee Retirement Income Security Act of 1974 (ERISA) holds fiduciaries to a standard of prudence when making ...

The Three Funds We Recommend

Sometimes less is more. Nowhere is this truer than in retirement plans, where offering fewer funds drives greater participation.

Retirement Income Solutions with Guaranteed Minimum Withdrawal Benefits

Retirement Income Solutions are retirement plan investment options designed to generate a post retirement income stream ...

2013 Year in Review

Happy Holidays from our staff to yours!

Fixed Income Investing in a Rising Rate Environment

While short term results have been negative in the fixed income market, fixed income still occupies an important role…

Retirement Confidence Survey Results

Retirement Confidence Survey shows need for action now.

To Loan or Not to Loan?

Hardship Distributions