
cover story
Vantage Point
Using the events of 2015 to portend what is ahead in 2016

Editor’s Letter
intro
talking points
The Downside
It is important to educate participants about a well-diversified portfolio, to protect them in various market environments.
A Look Back at 2015
When you think back on 2015 and what happened in the
retirement plan industry, what will come to mind?
Talking Points
Tired of giving the same old presentations? Use these nuggets of information to spruce them up.

learner's permit
Everything You Need to Know About … Unleash
Unleash, which was designed to help small-business owners manage their income and expenses, markets itself as “Your Cloud CFO.”

hot off the presses
Hot Off the Presses
New products, highlights, announcements

Capitol News
Data Points
Capitol News
An adviser eye on Washington
The TDF Beat Marches On
Net inflows into target-date funds are set to surpass the previous record.

trendspotting
Trendspotting
A look at the latest concerns and actions among employees, and what they mean for advisers

diversions
Florida Takes Top Spots in Retirement Friendliness
A look at the affordability, activities, quality of life and health care in major U.S. citie

PANC
2015 PLANADVISER National Conference
Value First: Enhancing your profitability and service offering

research
Gaining Perspective
2015 PLANADVISER Practice Benchmarking Survey

servicing strategies
Don’t Leave Them Stranded
Helping highly compensated employees maximize their retirement saving

practice management
Spreading the Word
Formal marketing can bring new business or build a brand

ERISA vista
Advice as a Fiduciary
Questions advisers are asking
