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The Fiduciary Focus Blog

4 Lessons We Learned from Attending the 2019 Fi360 Conference

Benjamin Smith, CFA 03 May, 2019
  1) Financial Coaching is the next evolution in the Participant Experience One session we attended was titled "The Evolution of the Investment Lineup Spectrum." It was presented by Franklin ...
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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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Guidance Point Retirement Services: Bad Fits

Benjamin Smith, CFA 25 May, 2017
  Who should we not work with at Guidance Point Retirement Services? What types of clients would we describe as "bad fits"?  This is a question that we receive from time to time from our prospects.  ...
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Who Pays the Retirement Plan Fees? 4 Tips to Help You Decide

Benjamin Smith, CFA 19 May, 2017
Who pays the retirement plan fees? Should the plan sponsor pay? What about the participant? Maybe a mix of both?  These questions are core to how our consultants help retirement plan committees ...
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My Funds are on the Retirement Plan Watch List. Now What?

Benjamin Smith, CFA 24 March, 2017
  A main source of concern for plan sponsors we work with and talk to is the quality of their investments within their retirement plan.  Retirement plan fiduciaries frequently express their lack of ...
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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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Omotenashi & The Evolution of the Retirement Plan 

Benjamin Smith, CFA 08 February, 2017
  Omotenashi is the Japanese word for treating people the way you'd want to be treated, for a posture of customer service that builds long-term trust and loyalty. Seth Godin, in one of his recent ...
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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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Top Rookie Mistakes When Evaluating your 401(k) & 403(b) Target Date Funds

Benjamin Smith, CFA 14 December, 2016
$823  billion dollars of assets currently reside in  Target Date Funds as of June 30, 2016, according to  Morningstar Research. ¹   Also,  forty cents of every new dollar going into DC plans is ...
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