Cover Story
2018 PLANSPONSOR Retirement Plan Adviser of the Year
Celebrating a commitment to driving excellent retirement plan design and outcomes
Editor’s Letter
Intro
Data Points
Symbiosis
A look at the connection between the PLANSPONSOR Plan Sponsor of the Year finalists and winners, the PLANADVISER Top 100 and the PLANSPONSOR Retirement Plan Adviser of the Year finalists and winners
Par Excellence
Celebrating the 2018 PLANSPONSOR Retirement Plan Adviser of the Year finalists and winners
The Adviser Difference
How experts influence the use of managed accounts as the QDIA
Practice Development
Investment Focus
Plan Focus
The Value of NQDC Plans
Serving highly compensated employees
Tactical Latitude
Target-date funds that let managers deviate from the glide path
Most Recordkeepers Are Insurers
Highlights of BrightScope's proprietary research
Compliance News
Trendspotting
Trendspotting
Compliance News
Legislative and Judicial Actions
TDFs That Tactically Allocate Assets
… but limit the amount that can be adjusted
Fidelity Plays Hardball
The firm will charge new sponsor clients that choose Vanguard products
Trendspotting
Trendspotting
Getting a Handle on Retirement Readiness
Most firms don’t know how well-prepared—or not—their workers are.
Half of Couples Discuss Retirement Savings
20-somethings are more apt to broach the topic than are pairs in their 30s and up
Trendspotting
Avoiding Financial Shocks
By cutting back, retirees can absorb money-related hardships
Trendspotting
Trendspotting
HSA Opportunities Abound
Assets topped an estimated $45 billion at the close of last year
Talking Points
Dismal Outlook for Millennials 67% Fear they will outlive their savings 47% Think they will be unable to retire when they would like 34% Participate in a retirement plan...
Feature
Battling the Elements
The role of the adviser in mitigating litigation
Practice Management
Taking on Discretion
Should you offer 3(38) fiduciary services or outsource the role?
Investment-Oriented
A QDIA in Transition
Participants are moved to a managed account as they draw close to retirement
Client Communications
Retirement Income Options
Helping sponsors sort out what’s best for retiring workers
Micro Scope
Working Down-Market
What micro plans look for and how to meet those expectations profitably
ERISA vista
2018 SEC Examination Priorities
The regulator wants to protect retirement investors
Compliance Consult
Fiduciary Fitness
Enforcement of the DOL Rule
Complying with the impartial conduct standards
Duty to Investigate
Determining whether a plan acts in participants’ best interest