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The Fiduciary Focus Blog

A.J. Walker, AIF ®

With over 30 years of experience in the retirement services industry, A.J. founded Guidance Point Retirement Services, LLC to provide truly unbiased retirement plan and investment consulting services. A.J. has worked in nearly all aspects of the retirement services industry and has consulted on a wide range of retirement plan and investment topics across a number of different industry sectors. His primary focus is business development and client consulting to provide comprehensive and integrated trustee, investment, actuarial, defined benefit, defined contribution, and non-qualified retirement plan solutions.
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Recent Posts

When Should I Consider A Cash Balance Plan?  The Basics, The Pros, and Cons

A.J. Walker, AIF ® 10 April, 2018
I've heard of a 401(k), 403(b) and a Pension Plan. But what's this about  a Cash Balance Plan? In this article, we'll dig into defining the Cash Balance Plan basics, the pros and cons of utilizing ...
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Vanguard How America Saves - Top 3 Retirement Plan Trends

A.J. Walker, AIF ® 10 January, 2018
  Our research team recently met with our dedicated Vanguard External Sales Representative, Kelly Orr. Kelly shared and discussed with our team Vanguard’s “How America Saves Study”. This report ...
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Fidelity Plan Sponsor Attitudes Survey: 5 Key Takeaways

A.J. Walker, AIF ® 08 December, 2017
  Our research team recently met with our dedicated Defined Contribution Investment Only (DCIO) Fidelity Institutional Asset Management representative, Mike Manosh. Mike shared and discussed with our ...
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Strengthen Your Governance with a 403b Fiduciary Governance Checklist

A.J. Walker, AIF ® 22 February, 2017
  Frequently when retirement plans are established, the ongoing governance of plan operation is not sufficiently spelled out. Failure to articulate the fiduciary governance and appropriate ...
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How Much Does a 401k Plan Cost?

A.J. Walker, AIF ® 15 February, 2017
  One of the first questions  that companies  want to know  when they call one of our consultants is: "How Much Does a 401k Plan Cost?" This question poses two important realizations to senior ...
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IRS 403(b) Plan Audits: Top Areas of Focus

A.J. Walker, AIF ® 02 February, 2017
Organizations that sponsor a 403(b) plan intend to manage the plan in a compliant manner, but due to the level of complexity of today's retirement plan it can be an overwhelming feat to do so. In ...
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Guidance Point Retirement Services named to Pensions & Investments 2016 Top Pension Consultants List

A.J. Walker, AIF ® 04 January, 2017
 
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Improving Plan Operation, Cost, & Investment Structure: A 401(k) Case Study

A.J. Walker, AIF ® 07 December, 2016
The Challenge This client had been using the services of an insurance company bundled retirement plan product for over ten years with no service or fee benchmarking over that time frame. The client ...
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The 3 Questions an ERISA Compliance Checklist Will Answer

A.J. Walker, AIF ® 07 November, 2016
For the fiscal year ending September 2013, the Department of Labor (DOL) closed 3,677 investigations on defined contribution retirement plans. Of that amount,  775 (21%) were triggered by participant ...
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