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Christopher Carosa, CTFA
By Christopher Carosa, CTFA | May 21, 2013
What is the most obvious reason we should have a fiduciary standard? Why is the biggest fear not that regulators don’t act, but that they do? How come annuity sales organizations are among the most vocal opponents of the fiduciary standard? Why is investor education not the barrier many believe it to be? What more
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Posted in Conflicts of Interest | Tagged 401k, Barbara Roper, CFA, Consumer Federation of America, DOL, Fiduciary Duty, Fiduciary Standard, plan sponsor, SEC
By Christopher Carosa, CTFA | May 14, 2013
Star Trek’s Fiduciary Rule: The needs of the many (or the client) outweigh the needs of the one (or the fiduciary).
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Posted in Conflicts of Interest | Tagged 401k, Captain Kirk, City on the Edge of Forever, fiduciary, Fiduciary Duty, Fiduciary Standard, J.J. Abrams, James T. Kirk, plan sponsor, Spock, Star Trek, Star Trek Into Darkness
By Christopher Carosa, CTFA | May 13, 2013
Will small businesses punt 401k plans? How Fiduciary Advocates can fight back. Coming Soon: The Revenge of the Market.
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Posted in Trending Topics | Tagged court ruling, fiduciary, Fiduciary Rule, Fiduciary Standard, Fred Reish, Frontline, growth, index fund, IRA, Modern Portfolio Theory, momentum investing, MPT, NAPFA, PBS, retirement, small business, tax, Tibble v. Edison, value
By Christopher Carosa, CTFA | May 7, 2013
Let’s recognize the researchers, scholars, policymakers, regulators and tireless advocates who work to advance fiduciary principles.
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Posted in Conflicts of Interest | Tagged Andrew Golden, Brooksley Born, Deborah DeMott, fiduciary, Fiduciary Standard, Institute for the Fiducairy Standard, John C. Coffee, Knut Rostad, Tamar Frankel
By Christopher Carosa, CTFA | May 3, 2013
As bad a some industry players are, it’s always caveat emptor. Both plan sponsors, in their role as fiduciaries, and 401k investors must assume personal responsible and be accountable for their own retirement.
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Posted in Fees | Tagged 401k, Alicia Munnell, Alison Farrin, BrightScope, Dan Egan, David Rae, Daylian Cain, disclosure, Eleanor Singer, fee, fiduciary, Fiduciary Standard, Frontlne, hidden fee, Hilary Martin, index fund, Journal of Communication, Martin Smith, Mike Alfred, PBS, plan sponsor, Profit Sharing Corporation of America, PSCA, retirement, Ryan Knutson, Savings, The Retirement Gamble, Tim Wochok, Vanguard
By Christopher Carosa, CTFA | May 2, 2013
In choosing ratings points over debate points, Smith sacrificed the logic of the straight-forward for the pyrotechnics of a religious argument, and, in doing so, lost credibility with that portion of his audience that knew better.
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Posted in Fees | Tagged 401k, 401k Averages Book, Andrew Gracan, BrightScope, Dallas Salisbury, David Huntley, David Rae, Demos, disclosure, EBRI, Elliot Orsillo, Employee Benefit Research Institute, expense ratio, fee, fiduciary, Fiduciary Standard, Frontlne, hidden fee, index fund, John Bogle, Joseph Valleta, Martin Smith, Mike Alfred, nevin adams, PBS, plan sponsor, retirement, Robert Hiltonsmith, Roger Wohlner, Ryan Knutson, Savings, Teresa Ghilarducci, The Retirement Gamble, Tim Wochok, Vanguard
By Christopher Carosa, CTFA | May 1, 2013
In that drive for ratings points, producers often – willingly or unwillingly – must make a pact with the devil.
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Posted in Fees | Tagged 401k, bundled providers, conflict of interest, expense ratio, fee, fiduciary, Fiduciary Rule, Fiduciary Standard, Frontlne, hidden fee, Hilary Martin, Holmes Osborne, Martin Smith, MEP, Multiple Employer Plans, PBS, Phyllis Borzi, plan sponsor, Roger Wohlner, Ryan Knutson, suitability standard, The Retirement Gamble, Tim Wochok, Vanguard
By Christopher Carosa, CTFA | April 30, 2013
If they only stayed on the straight and narrow path, they would have proved their point.
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Posted in Fees | Tagged 401k, Craig Morningstar, David Rae, Elliot Orsillo, expense ratio, fee, fiduciary, Fiduciary Standard, Frontlne, hidden fee, Hilary Martin, John Bogle, Martin Smith, Neda Jafazadeh, PBS, plan sponsor, Roger Wohlner, Ryan Knutson, The Retirement Gamble, Thomas Balcom, Vanguard
FiduciaryNews Trending Topics for ERISA Plan Sponsors: Week Ending 5/17/13
By Christopher Carosa, CTFA | May 20, 2013
Post IRS, can DC be trusted with Fiduciary? Meanwhile, pop culture tries to define Fiduciary as there appears to be something strange brewing in the markets.
Read the full story...Posted in Trending Topics | Tagged 401k, 401k loan, Active ETF, Australia, Bond Bubble, boomer, Congress, court ruling, DOL, ERISA, ETF, fiduciary, index fund, interst rates, IRA, IRS, milennial, pension, Phyllis Borzi, plan sponsor, retirement, retirement income, Safe Harbor, SEC, Star Trek, target date fund, volatility | Leave a response