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The Fiduciary Wars of 2013
We know there are four primary types of financial professionals who market investment advice, services, and products to the public: Planners, advisors, managers, and sales representatives (reps). In a...
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The Fiduciaries Default Investment Choice
Several high profile class action law suits are now winding their way through the Federal Courts alleging high costs, sustained under-performance, and failure to properly disclose and account for...
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A New Player in the Financial Fiduciary Wars
Financial fiduciaries are financial planners, investment advisors, and money managers who hold positions of substantial trust when they invest other peoples’ money. Those people are counting on the...
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Thinking of Working with an “Advisor”? Ask This Question FIRST…
If you ask this one question at the beginning, you’ll know whether you can continue the discussion or end it right there and start looking elsewhere: ”Are you held to the suitability standard or the...
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Major Decision! Choosing a 401k Service Provider or Plan Advisor
This is Part 1 of a six part series on choosing a 401k plan advisor? Why is choosing a 401k service provider and/or a 401k plan Advisor a major decision? Because unlike most day to day work-related...
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Distinguishing True Independent Professional Advisors from Phantom Fiduciaries
This is Part 2 of a six part series on choosing a 401k plan advisor. While there are many independent professional advisors to whom a plan sponsor can delegate fiduciary responsibility, and therefore...
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The Real Deal: ERISA 402(a) Named Fiduciary & ERISA 3(38) Investment Manager
This is Part 3 of a six part series on choosing a 401k plan advisor? Are we calling a spade, a spade? In writing, and in clear unequivocal language, do you assume fiduciary responsibility under ERISA...
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Caveat Emptor
This is Part 4 of a six part series on choosing a 401k plan advisor? Wouldn’t a reasonable 401k plan sponsor be put at ease with the phrases they find in the large print of the marketing material of...
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Changes in Insurance Brokerage a Cautionary Tale for Mutual Fund Wholesalers
“Creative destruction” is coming to the $2.8 trillion health care industry, changing everything from eligibility requirements to coverage options, but the changes also are fundamentally affecting a...
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Caveat Emptor: There’s more!
This is Part 5 of a six part series on choosing a 401k plan advisor. While many nationally recognized insurance and brokerage firms advertise that they have the knowledge, resources and expertise to...
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Show me the money!
This is the final installment of a six part series on choosing a 401k plan advisor. What fees and expenses will my plan be subject to, and what compensation will you and your firm receive, if we work...
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Determining the True Value of Actively-managed Mutual Funds
This is Part 2 of a 2 Part series on Actively-managed Mutual Funds. As I discussed in my previous article, “Protecting Investors from High Costs,” contrary to popular belief, actively-managed funds,...
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