Opinions

Opinions |

IMHO: PPA's Sway

These days, the Pension Protection Act of 2006 (PPA) is sometimes referred to as the "Pension Destruction Act." That's too harsh an assessment, IMHO, but it certainly has...
Opinions |

IMHO: Question "Marks"

Without question, asset-allocation solutions—particularly target-date fund solutions—are well on their way to becoming a dominating force on retirement plan menus.
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IMHO: For the People, By the People

Last week, no fewer than a dozen industry trade organizations put their collective heads together and tried to help the Department of Labor—which has been working on a...
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IMHO: Other People's Money

I was on a panel at our recent Plan Designs conference, and the topic of qualified default investment alternatives (QDIAs) came up.
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IMHO: "Might" Makes Right?

Last week the Government Accountability Office (GAO) published a 67-page report titled "Conflicts of Interest Involving High Risk or Terminated Plans Pose Enforcement Challenges."
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IMHO: Fighting Words

With all the tact of a law professor dressing down a first-year student, U.S. District Judge John Shabaz of the U.S. District Court for the Western District of...
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IMHO: A Prospective Perspective

Plan sponsors who think the Pension Protection Act's automatic enrollment safe harbor represents an easy solution to disappointing participation rates may have another "think" coming, according to the...
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IMHO: The 80/20 Rule

Sooner or later in your career, you are exposed to the 80/20 rule or, as purists term it, the Pareto principle.
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IMHO: The Lure of Averages

Those of you who find Fidelity's updated research results a bit "rosy" compared with other projections may recall comparable results from their readiness index a year ago.
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IMHO: "Never, Ever" Land

It's an undisputed fact that the vast majority of retirement plan participants never rebalance their accounts.
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IMHO: A Little "Free" Advice

Last Friday, the Department of Labor issued a Field Assistance Bulletin on the "Statutory Exemption for Investment Advice."
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IMHO: Exit Strategy

Earlier this month, we passed the "anniversary" of the commencement of bombing strikes in Operation Desert Storm (1991).
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IMHO: "Forth" Right

A couple of weeks ago, we got a panicked call from daughter No. 1, who had, on her way home from work, gotten her first flat tire.
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IMHO: The "Best" Test

I've been in this business since before I graduated college (and that's now been a while) - but my first interaction with a financial adviser didn't happen until...