Trump Account upgrades could solve recruiting woes via child IRAs—but will they risk new fiduciary liability. Is it worth the wrestle?
Could Employer Matching On Trump Accounts Become The Next Fiduciary Recruiting Perk (And Liability)?
With contributions via employer programs not beginning until July 4, 2026 (IRS Notice 2025-68), sponsors who move quickly have a compressed window to design, test, and communicate the benefit. That compression creates both opportunity and risk.
The $955 retirement savings headline ignited nationwide fear. But does it clarify the problem—or dangerously distort it?
Automatic enrollment made 401k saving effortless—but is the ‘Netflix Effect’ turning retirement readiness into background noise?
The Netflix Effect 401k retirement readiness problem may not come from bad markets, but from quiet disengagement. As automation pushes retirement saving into the background, readiness risks can grow unnoticed.
Cap-weighted index funds promise simplicity, but mega-cap concentration quietly amplifies risk. When does index construction become a fiduciary risk?
The S&P 500 looks diversified—until you see how few stocks actually drive the returns. As concentration rises, index construction itself is becoming a growing 401k fiduciary risk.
Automatic enrollment created quiet complacency. What happens when the next crash turns passive 401k savers into active, emotional decision-makers?
The long bull market has masked serious risk in target-date funds near retirement. When the next correction hits, participants who thought they were “protected” will wake up—angry—and demand change.
What The $955 Retirement Savings Headline Gets Wrong (And Why Fiduciaries Should Care)
The $955 retirement savings headline sparked national alarm, but fiduciaries must look beyond shock value to understand what the data truly reveals and how to respond.