IMHO

IMHO: Loan Arranging

The headlines last week were all about how new legislation had been introduced to cut down on the “leakage” from 401(k) plans. 

IMHO: Change Parse

Three things every adviser (and provider) wishes plan sponsors understood about recordkeeping conversions:  

IMHO: Out of Proportion

Without question the retirement plan industry has prospered from the long-standing practice of relying heavily – and in some situations, completely - on asset-based fees. ...

IMHO: “Smoke” Signals

Plan sponsors spend a lot of time wondering—and worrying—about the “right” way to do things.   

IMHO: Rest “Room”

It should come as no surprise that the vast majority of plan sponsors who have adopted automatic enrollment have chosen to default that initial deferral at 3%...

IMHO: Expert Opinions

I learned a long time ago that when it comes to things like automobile maintenance, home repair, or gardening, I’m better off hiring an expert.   

IMHO: Mixed Messages

We had wrapped up a very successful half-day adviser event ahead of our annual Awards for Excellence dinner last week.   

IMHO: Comparison “Points”

Every year about this time, we get reports from firms that purport to tell us how much time is spent in preparations for the NCAA basketball tournament—and,...

IMHO: Court Costs

Last week brought to light an aspect of 401(k) litigation that doesn’t generally get a lot of coverage—and the participant-plaintiff was presented with a $50,000...

IMHO: “Conversation” Starters

There’s been a lot of talk coming from Washington of late about the need to have “an adult conversation” with the American people. 

IMHO: Hire Powers

One of the first things you learn in any kind of ERISA primer is that, as a fiduciary, you are expected to conduct yourself either as if...

IMHO: Service Charges

As Valentine’s Day looms, you have perhaps seen those increasingly ubiquitous advertisements for a certain online florist. 

IMHO: Making a List

Believe it or not, PLANADVISER Magazine is five years old this year. 

IMHO: Warning “Labels”

Litigation—or more accurately, the fear of litigation—frequently serves to put us on notice.  

IMHO: Group “Therapy?"

Somewhere over the course of your academic or professional career, I’m sure you’ve been exposed to any number of group exercises.