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The Fiduciary Focus Blog

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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What does it mean to hire a 3 (38) Advisor /  Investment Fiduciary?

Benjamin Smith, CFA 25 January, 2017
It seems that daily there is more litigation  news that alleges employers violated their fiduciary duty to prudently select and monitor the investment options offered in their 401(k) or 403(b) plan. ...
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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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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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The Question No One Asks About Stable Value Funds

Benjamin Smith, CFA 30 November, 2016
57% of  401(k) and 403(b) retirement plans offered  a stable value or investment contract fund to participants in 2015, and  19% of participants offered  this investment actually utilized the fund in ...
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