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The 401(k) Grab Bag

Every so often we get an opportunity to express our thoughts in a public setting.  Earlier this month, I was fortunate enough to be invited by Chuck Hammond of The 401(k) Study Group to join him on his podcast to answer some questions about Unified Trust, about our...

Marriage & Money: Making Financial Decisions Together

I recently spoke with businessinsider.com about the actions couples can take to have a financially successful marriage.  It all begins with open and honest communication.  I encourage each partner to share not only their financial information–retirement and investment account balances, credit card and other debts, spending habits, etc.–but...

A Word and a Handshake

Did you grow up in small community, a close-knit town or (if you can remember it) before the internet was a factor? Back then a word and a handshake were stronger than any contract or service agreement.   “Trust me” was as good as gold and if you failed...

Fiduciary Rule: What It Really Means on June 9

This Friday June 9, the DOL Fiduciary Rule—the landmark Obama-era investor protection rule–will go into theoretical effect, with full implementation on Jan. 1, 2018.  But during this transition period running throughout the remainder of 2017, the rule has no meaning.  In May, the DOL said it would not...

When Money Doesn’t Matter

Pop Quiz: what three things do you value most in this world?  It shouldn’t take long as whatever comes to mind first is probably your truest answer.  Common responses often include family, faith, friends or similar references.  Now think of the happiest moments in your life.  What memories...

Pay to Play or Go Home

As we get closer and closer to the applicability date of the fiduciary rule, the industry is starting to show its cards on how the rule will impact the landscape.  What’s still unclear is whether or not the rule will actually become applicable, see ACOSTA Getting Heat to...