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The Fiduciary Focus Blog

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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Capital Markets Review- Second Quarter 2017

Benjamin Smith, CFA 15 July, 2017
  The 10th Anniversary of the start of the Financial Crisis; How much longer does the Goldilocks Scenario last? June marked the 10th anniversary of the beginning of the Financial Crisis.  In June ...
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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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Capital Markets Review- First Quarter 2017

Benjamin Smith, CFA 14 April, 2017
  A Trump Bump and Growing International Economic Confidence: The first quarter of 2017 was dominated by political headlines and firming economic data globally. Risk assets continued to outperform ...
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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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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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Capital Markets Review - Fourth Quarter 2016

Benjamin Smith, CFA 10 January, 2017
A Tale of Two Halves 2016 can be described as a Tale of Two Halves.  Many investors took a “risk-off” approach to the markets in the first half of the year due to a decline in oil prices and slow ...
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3 Savvy Ways to Improve your 401(k) Investment Menu Design

Benjamin Smith, CFA 21 December, 2016
Today, the average 401(k) retirement plan relies heavily on  the non-expert decisions of plan participants, who  typically have no formal financial training. Because they     lack financial ...
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Capital Markets Review - Third Quarter 2016

Benjamin Smith, CFA 03 November, 2016
The Presidential Election Heats Up.... Global economies are turning their eyes to the US presidential election. Although world markets and economies absorb this leadership change every four years, ...
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