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Posts From Christopher Carosa, CTFA

How Do 401k Plan Sponsors Convince Middle-Class Workers They Can Retire?

    How Do 401k Plan Sponsors Convince Middle-Class Workers They Can Retire?

Of course, to really answer the question of post-retirement middle class stability, we have to understand what “middle class” means. Luckily, there are folks who collect data, which helps with this definition.

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FiduciaryNews.com Trending Topics for ERISA Plan Sponsors: Week Ending 9/22/23

    FiduciaryNews.com Trending Topics for ERISA Plan Sponsors: Week Ending 9/22/23

Things getting complicated, been there/done that, and a rose is a rose.

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Is There A Cure For Covid Caused 401k Leakage?

    Is There A Cure For Covid Caused 401k Leakage?

It’s clear, then, that there’s a problem. In order how to best come up cure for Covid-related leakage, we have to zero in on exactly when the trouble lies.

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FiduciaryNews.com Trending Topics for ERISA Plan Sponsors: Week Ending 9/15/23

    FiduciaryNews.com Trending Topics for ERISA Plan Sponsors: Week Ending 9/15/23

More on Social Security, Back to the Fiduciary Future, and Actions Speak Louder Than Words.

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Can 401k Auto-Enrollment Be Too High?

    Can 401k Auto-Enrollment Be Too High?

The example the researchers chose was a British company. The fact the study was not conducted within the framework of the ERISA environment may call into question its relevance to plans in America.

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FiduciaryNews.com Trending Topics for ERISA Plan Sponsors: Week Ending 9/8/23

    FiduciaryNews.com Trending Topics for ERISA Plan Sponsors: Week Ending 9/8/23

Rules rule, real fee disclosure, and opposite days for investments.

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Exclusive Interview: Sheryl Garrett Says We Aren’t Doing Enough To Mitigate Conflicts-Of-Interest

    Exclusive Interview: Sheryl Garrett Says We Aren’t Doing Enough To Mitigate Conflicts-Of-Interest

I don’t think the plan service providers should provide participant advice. Advice to participants should be provided by a non-related third-party fiduciary.

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FiduciaryNews.com Trending Topics for ERISA Plan Sponsors: Week Ending 9/1/23

    FiduciaryNews.com Trending Topics for ERISA Plan Sponsors: Week Ending 9/1/23

Roth-A-Rama, fiduciary miss-mash (or miss-Mass?) and the slow agonizing death of ESG

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What 401k Plan Sponsors Should Do About ‘Lost’ Participants

    What 401k Plan Sponsors Should Do About ‘Lost’ Participants

The DOL’s guidance on missing plan participants appears just as effective as its week 2012 Mutual Fund Fee Disclosure Rule. Yes, it’s there, but it has no viability. Still, that doesn’t mean 401k plan sponsors can ignore the issue, even if they have not lost participants.

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FiduciaryNews.com Trending Topics for ERISA Plan Sponsors: Week Ending 8/25/23

    FiduciaryNews.com Trending Topics for ERISA Plan Sponsors: Week Ending 8/25/23

States’ rights, strange brew, and going big.

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