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Climbing the Wall of Worry

“If you want to test your memory, try to recall what you were worrying about one year ago today.” – E. Joseph Cossma About this time last year, the S&P 500 plummeted over 10% in only four trading days.  On the worst of those four days, the Dow...

Are Excessive Fees Our Only Concern?

As we have all read, almost every day it seems like large plans are being targeted for paying excessive fees, causing harm to participants by reducing their likelihood of achieving the best possible returns. These include accusations in several different areas. Some examples are misuse of the vendor’s...

Seatbelts, Please

A few years ago I was on a flight when the captain announced that there could be rough air ahead. Shortly thereafter, a very quick command came from the cockpit with a simple message… “Seatbelts, please.” For most people on the flight, this was a nonevent, as frequent...

Is There a Better Way?

We’ve had to complete a number of request for proposals (RFPs) recently. The last one came in at over 50 pages when all the questions were appropriately answered. What if that Plan Sponsor went out to 6 companies for RFPs and all the RFPs were comparable in size…that’s...

What Do Fiduciary Designations Say About Your Practice?

In a recent interview with Financial-Planning.com, I was asked to share my thoughts on how adding additional professional designations can help boost an advisor practice. You can read the article here: http://www.financial-planning.com/news/can-an-additional-professional-designation-deliver-a-practice-upgrade Fiduciary designations show professionalism and dedication to lifetime learning. Designations combined with culture allow our firm...

Small Changes, Big Impact

How Giving Your Retirement Account a Raise for Just a Couple of Years May Mean You Retire Successfully and Enjoy Life More As of this writing in the late spring and early summer, we are all probably quite familiar with the concept of a treadmill. It is that...