retirement plan

/Tag:retirement plan

Fiduciary or Suitability? SecureFamily or not so Secure?

I have recently seen a spate of advertisements from “” that attempts to discredit the work being done on pending fiduciary rules and regulations. Since […]

Fixing ERISA to Provide Sufficient Information

In my previous post, Fixing ERISA to Protect Against High Plan Fees, I discussed the failure of many 401(k)/404(c) plans to comply with ERISA’s fiduciary requirement to […]

Retirement Plan Fees Don’t Smell Sweet

Who knew that Shakespeare had a lesson for retirement plan participants when he wrote: “What’s in a name? That which we call a rose, by […]

Seven Layers of Investment Fees

Would you believe there are seven layers of investment fees that can be deducted from your investment accounts? It would be rare to pay all seven, but four or five are fairly common. The more you know about investment fees the less likely excessive expenses will impact you.

Every dollar of investment fees is one less dollar you have for reinvestment and your future use. Long-term goals, like secure retirements, can be severely impacted by excessive expenses.  […]

Employers: It’s Time to Get Serious about Your Fiduciary Obligations

The employer’s obligation for the pension plan doesn’t end when they write the check. It begins.

Without any thought or planning the 401(k) has become America’s pension plan. The days of guaranteed retirement income for life are long gone, and along with them the financial security that the traditional pensions plan provided.

The 401(k) solution is deeply flawed. The widespread failure of 401(k) plans to provide adequate retirement income security for American workers has caught the attention of the courts, regulators, the administration, Congress, academics and participants. […]