Cover Story
Forward Focus
How offering 3(38) fiduciary services can help advisers declutter the investment conversation
Editor’s Letter
Activism at Work
The ESG of today generally refers to rewarding companies with investments because of positive behaviors
Intro
Data Points
Plan Focus
Brass Tacks
Serving as a 3(38) fiduciary enables an adviser to focus more on plan outcomes
403(b) Plans Tuned In to Education
Nonprofit and public plans are the most apt to support efforts to learn
Employer Contributions on the Rise
In 2017, companies contributed as much as their workers did to DC plans
Practice Development
Investment Focus
Your Message, Set in Film
Videos are a powerful way to communicate with participants
Most TDFs Are Actively Managed
Passively managed target-date funds make up a small universe
Compliance News
Compliance News
Legislative and judicial actions
Trendspotting
Trendspotting
Various Approaches to In-Plan Income
Providers may offer the wrong solution for sponsors' need
Client Trust Pays Unexpected Dividends
Advisers now often measure their value beyond investment savvy
Trendspotting
Trendspotting
Trendspotting
Advisers Boost Retirement Confidence
Advised investors are consistently more confident than are DIY investors
The ‘Volatility’ Conversation
Advisers can help refocus participants on their respective time horizon
Women Plan to Make Their Money Grow
Still, only 24% say they understand investing
Trendspotting
Trendspotting
Trendspotting
Talking Points
Financial Wellness Badly Needed
Employees express concerns about budgeting, health care costs and lack of emergency funds
Ahead of the Retirement Wave
Only one-quarter of employers say they effectively help workers save
2019 Agendas: Retirement Income
Plan sponsors are increasingly open to creative solutions
Talking Points
Fearing Market Risk Nearly half (48%) of Americans believe they are exposed to greater market risk today than before the 2008 financial crisis. Source: Natixis Investment Managers Military Families...
Beyond (k)
Student Loan Debt Relief
How to help workers alleviate the burden so they can begin to save
Investment-Oriented
Climate Change and ESG
The news drives interest in ESG, but the change to widespread adoption is slow
Fiduciary Fitness
The Need to Investigate Alternatives
Courts may have expectations for fiduciaries
ERISA vista
‘Reg BI’ and Dual Registrants
Advisory and 12b-1 fees may not be combined
Compliance Consult
Lost Participants
It is sponsors’ duty to locate their terminated ‘missing persons’