Month: May 2016

The 3 C’s

Perhaps you have heard of the “Three C’s” of effective communication…the sender’s message should be clear, concise and consistent.  For the better part of the past two years, the primary investment themes could be boiled down to the “Three Cs”, China, Commodities and Central Banks.  Fears of a...

Show Me The Money

I don’t like to fear-monger.  So in the past when a plan sponsor or advisor tells me “only the big plans are being sued over investments,” I nod my head and say, “Yes, today that is true” and add there is a higher likelihood of a DOL/IRS audit...

A Little Help Here

I think we can all agree that ERISA is an interesting yet somewhat complicated document – especially for those who don’t spend a large amount of their time reading and interpreting it.  For larger employers with an experienced HR staff, complying with ERISA as it pertains to their...

The Fiduciary Rule: Intentions vs. Results

I was recently contacted by Christopher Carosa of FiduicaryNews.com who was looking for insights on the recently released Department of Labor (DOL) Conflict of Interest Regulations.  I found it particularly interesting that his questions regarding the rule weren’t so much mechanical in nature, meaning how it will work,...

Managed Accounts are More Effective

Managed Accounts are More Effective Recently, PLANSPONSOR Magazine published their 2015 Defined Contribution Survey and in it was some very interesting data regarding managed accounts and outcomes.  One thing is very apparent in the survey; plans that use a managed account combined with an advisor acting in a...