The Fiduciary Focus Blog

Does My Retirement Plan Menu Offer Too Many Investment Choices? (HINT: It Probably Does!)

Benjamin Smith, CFA 06 November, 2019

Retirement plan fiduciaries have the important decision to make on how to design, implement, and monitor the investment lineup offered to participants. The number and what types of investment choices ...

6 Reasons Why You Should Hire A Dedicated Retirement Plan Consultant

A.J. Walker, AIF ® 27 August, 2019

Management guru Peter Drucker once said that “culture eats strategy for breakfast.” In this analogy we zoom out and look at the business overall to apply his sentiment. It implies that regardless of ...

Evaluating Plan Assets & TIAA Contracts to Reduce Expenses: A 403(b) Case Study

A.J. Walker, AIF ® 24 July, 2019

Guidance Point Retirement Services conducted a comprehensive fiduciary assessment with this client, resulting in a decrease in overall plan expenses.

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 Templeton ...

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 ...

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. It’s ...

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 ...

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 ...

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 delegations ...

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 managers of ...

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