--- title: The Fiduciary Focus Blog | Healthcare description: Healthcare | Fiduciary Focus specializes in relevant topics for 401(k) & 403(b) Plan Sponsors with a specific focus on improving plan governance, reducing costs and improving investment plan menus. --- [![](https://blog.guidancepointrs.com/hs-fs/hubfs/images/download.png?width=750&height=228&name=download.png "download.png")](http://www.guidancepointrs.com/) Search [Blog](https://blog.guidancepointrs.com) Request a call - [Who We Are](http://www.guidancepointrs.com/who-we-are/) - [What We Do](http://www.guidancepointrs.com/what-we-do/) - [Who We Work With](http://www.guidancepointrs.com/who-we-work-with/) - [Resources](http://www.guidancepointrs.com/resources/) - [Pricing](http://www.guidancepointrs.com/pricing/) [(207) 358-3099](tel:+(207)%20358-3099) - [Home](https://www.guidancepointrs.com) - [Who We Are](http://www.guidancepointrs.com/who-we-are/) - [What We Do](http://www.guidancepointrs.com/what-we-do/) - [Who We Work With](http://www.guidancepointrs.com/who-we-work-with/) - [Pricing](http://www.guidancepointrs.com/pricing/) Search [Fiduciary Focus A Blog for Retirement Plans](https://blog.guidancepointrs.com) Request a call # If you have any questions or comments for Guidance Point, please fill out the form below and a representative will respond to you within two business days. Guidance Point values your privacy. For more information, view our Privacy Policy. REQUIRED FIELDS ARE INDICATED BY AN ASTERISK (\*). # The Fiduciary Focus Blog [![](https://blog.guidancepointrs.com/hubfs/images/Blogs/case-study-social.png)](https://blog.guidancepointrs.com/evaluating-plan-assets-tiaa-contracts-to-reduce-expenses-a-403b-case-study) ## [Evaluating Plan Assets & TIAA Contracts to Reduce Expenses: A 403(b) Case Study](https://blog.guidancepointrs.com/evaluating-plan-assets-tiaa-contracts-to-reduce-expenses-a-403b-case-study) [A.J. Walker, AIF ®](https://blog.guidancepointrs.com/author/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. [Read More](https://blog.guidancepointrs.com/evaluating-plan-assets-tiaa-contracts-to-reduce-expenses-a-403b-case-study) [![](https://blog.guidancepointrs.com/hubfs/Blog_Posts_Images/Cash%20Balance%20Plans%20Basics.png)](https://blog.guidancepointrs.com/cash-balance-plan-basics-what-to-know) ## [When Should I Consider A Cash Balance Plan?  The Basics, The Pros, and Cons](https://blog.guidancepointrs.com/cash-balance-plan-basics-what-to-know) [A.J. Walker, AIF ®](https://blog.guidancepointrs.com/author/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 ... [Read More](https://blog.guidancepointrs.com/cash-balance-plan-basics-what-to-know) [![](https://blog.guidancepointrs.com/hubfs/Blog_Posts_Images/GPRS_CapitalMarketsReview_June2017.png)](https://blog.guidancepointrs.com/capital-markets-review-second-quarter-2017) ## [Capital Markets Review- Second Quarter 2017](https://blog.guidancepointrs.com/capital-markets-review-second-quarter-2017) [Benjamin Smith, CFA](https://blog.guidancepointrs.com/author/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 2007, ... [Read More](https://blog.guidancepointrs.com/capital-markets-review-second-quarter-2017) [![](https://blog.guidancepointrs.com/hubfs/Blog_Posts_Images/who%20pays%20the%20retirement%20plan%20fees.png)](https://blog.guidancepointrs.com/who-pays-the-retirement-plan-fees) ## [Who Pays the Retirement Plan Fees? 4 Tips to Help You Decide](https://blog.guidancepointrs.com/who-pays-the-retirement-plan-fees) [Benjamin Smith, CFA](https://blog.guidancepointrs.com/author/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 ... [Read More](https://blog.guidancepointrs.com/who-pays-the-retirement-plan-fees) [![](https://blog.guidancepointrs.com/hubfs/Capital_Markets_Review/CAPITAL%20MARKETS%20REVIEW%20%281%29.png)](https://blog.guidancepointrs.com/capital-markets-review-first-quarter-2017) ## [Capital Markets Review- First Quarter 2017](https://blog.guidancepointrs.com/capital-markets-review-first-quarter-2017) [Benjamin Smith, CFA](https://blog.guidancepointrs.com/author/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 ... [Read More](https://blog.guidancepointrs.com/capital-markets-review-first-quarter-2017) [![](https://blog.guidancepointrs.com/hubfs/Blog_Posts_Images/Strengthen%20Your%20403b%20Fiduciary%20Governance.png)](https://blog.guidancepointrs.com/strengthen-your-governance-with-a-403b-fiduciary-governance-checklist) ## [Strengthen Your Governance with a 403b Fiduciary Governance Checklist](https://blog.guidancepointrs.com/strengthen-your-governance-with-a-403b-fiduciary-governance-checklist) [A.J. Walker, AIF ®](https://blog.guidancepointrs.com/author/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 ... [Read More](https://blog.guidancepointrs.com/strengthen-your-governance-with-a-403b-fiduciary-governance-checklist) [![](https://blog.guidancepointrs.com/hubfs/Blog_Posts_Images/IRS%20403%28b%29%20Plan%20Audits.png)](https://blog.guidancepointrs.com/irs-403b-plan-audits-top-areas-of-focus) ## [IRS 403(b) Plan Audits: Top Areas of Focus](https://blog.guidancepointrs.com/irs-403b-plan-audits-top-areas-of-focus) [A.J. Walker, AIF ®](https://blog.guidancepointrs.com/author/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 ... [Read More](https://blog.guidancepointrs.com/irs-403b-plan-audits-top-areas-of-focus) [![](https://blog.guidancepointrs.com/hubfs/Capital_Markets_Review/GPRS%204Q%202016%20Capital%20Markets%20Review.png)](https://blog.guidancepointrs.com/capital-markets-review-fourth-quarter-2016-0) ## [Capital Markets Review - Fourth Quarter 2016](https://blog.guidancepointrs.com/capital-markets-review-fourth-quarter-2016-0) [Benjamin Smith, CFA](https://blog.guidancepointrs.com/author/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 ... [Read More](https://blog.guidancepointrs.com/capital-markets-review-fourth-quarter-2016-0) [![](https://blog.guidancepointrs.com/hubfs/Blog_Posts_Images/3%20savvy%20ways%20to%20improve%20401k%20invt%20menu%20design.png)](https://blog.guidancepointrs.com/3-savvy-ways-to-improve-your-401k-investment-menu-design) ## [3 Savvy Ways to Improve your 401(k) Investment Menu Design](https://blog.guidancepointrs.com/3-savvy-ways-to-improve-your-401k-investment-menu-design) [Benjamin Smith, CFA](https://blog.guidancepointrs.com/author/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 expertise, ... [Read More](https://blog.guidancepointrs.com/3-savvy-ways-to-improve-your-401k-investment-menu-design) [![](https://blog.guidancepointrs.com/hubfs/Capital_Markets_Review/GPRS%203Q%20Capital%20Markets%20Review.png)](https://blog.guidancepointrs.com/capital-markets-review-third-quarter-2016) ## [Capital Markets Review - Third Quarter 2016](https://blog.guidancepointrs.com/capital-markets-review-third-quarter-2016) [Benjamin Smith, CFA](https://blog.guidancepointrs.com/author/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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