https://fiduciarynews.com/members/ccarosa/activity/ Activity feed for Christopher Carosa, CTFA. Wed, 08 Apr 2026 14:13:37 -0400 https://buddypress.org/?v= en-US 30 hourly 2 871eba614b79281ae3bc8b4ae6bde5a0 https://fiduciarynews.com/activity/p/3293/ Mon, 29 Mar 2021 17:53:03 -0400

]]> 0 9c3cb11c61b77ee993ed7317683ddb90 https://fiduciarynews.com/activity/p/3171/ Wed, 17 Feb 2021 19:43:45 -0500 0 bd8343f3060c7e0953779f911954d538 https://fiduciarynews.com/activity/p/2786/ Tue, 28 Jul 2020 18:20:51 -0400 0 5bd9f3c9035e885c445b6f63e3110dbe https://fiduciarynews.com/activity/p/2784/ Tue, 28 Jul 2020 17:58:41 -0400 0 d753e8154cd63ba6649ea1f55d163410 https://fiduciarynews.com/activity/p/918/ Mon, 14 Nov 2016 02:47:56 -0500 Do you think the Trump Administration will delay, alter, or repeal the DOL’s “Conflict-of-Interest” (a.k.a., “Fiduciary”) Rule? Will this have any impact and fiduciary awareness in the marketplace? Who do you think will win the ultimate the advertising battle and why?

]]> 0 32d988e727e1e1409b870c01e031aaab https://fiduciarynews.com/activity/p/475/#acomment-480 Mon, 07 Dec 2015 16:47:13 -0500 Hi Skip! Thanks for adding your profile pic. I’m sending you an email. Make sure to read it before Wednesday.

In reply to - Skip Schweiss earned the badges: Add a Profile Picture ]]> cdb0774ece349aa1079da0684e81cfcd https://fiduciarynews.com/activity/p/439/#acomment-479 Mon, 07 Dec 2015 16:45:24 -0500 Hi Joe!

In reply to - Joseph Syron posted an update in the group Must Read Blogs! Good morning, my name is Joe. ]]> e1640982d0ba15ceb97a7e420a748925 https://fiduciarynews.com/activity/p/478/ Mon, 07 Dec 2015 16:45:07 -0500

]]> 0 24b78a7b32f10a161f625f74ccfbf01e https://fiduciarynews.com/activity/p/425/ Mon, 07 Dec 2015 04:40:29 -0500 Welcome to the Member News discussion group! Check this group regularly as we reveal new benefits you can earn and use through TheThoughtLeaderExpress. The first scheduled update is Wednesday, December 9, 2015. That’s when the real fun begins!

]]> 0 54b94d3d86d33a626edec76020137398 https://fiduciarynews.com/activity/p/424/ Mon, 07 Dec 2015 04:38:11 -0500 Welcome to the Must Read Blogs! discussion group. Here’s this week’s FiduciaryNews.com blog of the week from Nevin Adams’ Data “Points” personal blog site:
[bpfb_link url=’http://plansponsorinstitute.blogspot.com/2015/11/5-reasons-why-more-plans-dont-offer.html’ title=’Data "Points": 5 Reasons Why More Plans Don’t Offer Retirement Income O…[Read more]

]]> 0 f6213aeefa607f6c77abbc48e90c119b https://fiduciarynews.com/activity/p/422/ Sat, 05 Dec 2015 17:05:45 -0500 What are your favorite 401k plan design elements? And why do you feel they are important to retirement savers
[bpfb_link url=’http://www.benefitspro.com/2015/12/01/make-401ks-a-perfect-gift-for-employees’ title=’Make 401(k)s a perfect gift for employees | BenefitsPro’…[Read more]

]]> 0 e41b4b22cf5ff228af91dbbfe6d72ab5 https://fiduciarynews.com/activity/p/419/ Fri, 04 Dec 2015 03:43:16 -0500 Have you noticed the little irony behind the DOL’s sudden push for state-sponsored retirement plans? Or is it hypocrisy? What do you think?
[bpfb_link url=’http://fiduciarynews.com/2015/12/state-sponsored-private-employee-retirement-plans-first-step-towards-nationalized-retirement/’ title=’
State-Sponsored Private Employee Retirement Plans…[Read more]

]]> 0 ab511712483b2eeb5792c15432ea477a https://fiduciarynews.com/activity/p/418/ Fri, 04 Dec 2015 03:41:20 -0500 Is it far for the government to offer a retirement product not in the sole interest of retirement savers? Especially since they’re on the record of exposing industry players who do the opposite. Well, this is reminiscent of that age old question: Who regulates the regulators?
[bpfb_link…[Read more]

]]> 0 6b97e565823f2805f18e8534f4b8f99c https://fiduciarynews.com/activity/p/415/ Fri, 04 Dec 2015 03:37:47 -0500 Do you share Ron Rhoades concerns about a weakened fiduciary standard? Ron has plenty more to say in this interview. Check it out and then share what you think.
[bpfb_link url=’http://fiduciarynews.com/2015/11/exclusive-interview-ron-rhoades-threatens-to-oppose-any-weakening-of-fiduciary-standard/’ title=’
Exclusive Interview: Ron Rhoades…[Read more]

]]> 0 eccb8e18dd9e96cbf62d71c23c30b1f5 https://fiduciarynews.com/activity/p/413/ Fri, 04 Dec 2015 03:35:51 -0500 Are 401k advisors prepared for how the new DOL Fiduciary Rule will impact… recordkeepers? No one’s been talking about this. Is it time we should?
[bpfb_link url=’http://fiduciarynews.com/2015/11/will-new-dol-rule-contain-fiduciary-surprise-for-401k-recordkeepers/’ title=’
Will New DOL Rule Contain Fiduciary Surprise for 401k Recordkeepers? |…[Read more]

]]> 0 87b32e3a7208810b33437b86d7bb4912 https://fiduciarynews.com/activity/p/412/ Fri, 04 Dec 2015 03:32:47 -0500 A fiduciary standard for colleges? What do you think? Will that begin to solve the college debt issue? Will it help parents? Will it lower tuition? Will it stop encouraging colleges to accept students who they shouldn’t?
[bpfb_link url=’http://www.benefitspro.com/2015/11/06/should-colleges-be-held-to-a-fiduciary-standard?page_all=1′ title=’Should…[Read more]

]]> 0 0701826dc72a3fb598142b29518b3c92 https://fiduciarynews.com/activity/p/411/ Fri, 04 Dec 2015 03:31:17 -0500 Paying off college debt and saving for retirement at the same time – what’s the most unusual tactic you’ve seen? Many believe it can’t be done, but many more are doing it every day. We aren’t looking for the tried and true methods here, we’re looking for the really outlandish (but entertaining, and, yes, successful) stories, like the ones…[Read more]

]]> 0 95b212ffc089fe589cfaf5d8bc6faa0c https://fiduciarynews.com/activity/p/408/ Fri, 04 Dec 2015 03:26:37 -0500 What advice would you give young employees about saving for retirement? Here’s the wisdom of four successful retirees. They aren’t financial service professionals, they’re just regular folk. Although we see them living comfortably in retirement, they admit they made mistakes, mistakes they wouldn’t have made if they knew these seven tips when they…[Read more]

]]> 0 f3b09b5e3c554230872c23788b55db90 https://fiduciarynews.com/activity/p/407/ Fri, 04 Dec 2015 03:24:29 -0500 After reading this article, has your stance on the DOL’s proposed Fiduciary Rule changed? The more and more I talk to people, traditional fiduciary advocates are having seconds thoughts on the DOL proposals and the brokers are,… well, let’s just say they continue to ask for more.
[bpfb_link…[Read more]

]]> 0 82b0322925d94b04a726f513e83829e5 https://fiduciarynews.com/activity/p/406/ Fri, 04 Dec 2015 03:23:19 -0500 Are Target Date Funds a violation of one’s fiduciary duty? If you think about the origins of fiduciary duty (namely, how it evolved via trust law), we see a mandate requiring fiduciaries to only takes actions that are in the best interests of the individual beneficiaries. This year’s Tamar Frankel Prize Winner David Swensen has penned two books…[Read more]

]]> 0 5154771293063585a4f531deea39402f https://fiduciarynews.com/activity/p/400/ Fri, 04 Dec 2015 03:05:11 -0500 How do we stop the BHB myth that claims asset allocation accounts for 93% of investment performance? – It’s been a while since major financial service providers have misquoted the infamous Brinson-Hood-Beebower research papers from the late 1980s/early 1990s. We still, however, see individual practitioners and even the some journalists repeating t…[Read more]

]]> 0 99d4d3c0bef066333ad726e84930daaa https://fiduciarynews.com/activity/p/399/ Fri, 04 Dec 2015 03:03:38 -0500 After decades of relying on “risk tolerance” questionnaires, how do you convince 401k plan sponsors and investors that they’re more dangerous than useful? What horror stories can you share? – As the attached link explains, since as early as 1999, it’s been widely known “risk tolerance” questionnaires are, at best, irrelevant and, at worst, misl…[Read more]

]]> 0 faab859960c34e6d45bda1ba80efb04a https://fiduciarynews.com/activity/p/398/ Fri, 04 Dec 2015 03:01:58 -0500 Are investors who fail to learn from history doomed to repeat it? – We hear millennials prefer to buy annuities than to save in a 401k or IRA and invest directly (and at a lesser cost) in the stock market. Well, this is bad news and good news. The bad news is that those that don’t learn from history are condemned to repeat it. How many baby b…[Read more]

]]> 0 8c4f2c9440b54596829d847e0534ea12 https://fiduciarynews.com/activity/p/397/ Fri, 04 Dec 2015 02:59:45 -0500 Why a Fee Disclosure? – It’s just not working. In fact, does it have any meaning at all, other than to confuse plan participants? It’s one thing to place the burden of discerning the value of fees on the plan sponsor for, after all, that is their fiduciary duty. But why bring the plan participant in it? It’s not like they can do anything about…[Read more]

]]> 0 9d18ed9f45f3896f416ff23abb362682 https://fiduciarynews.com/activity/p/396/ Fri, 04 Dec 2015 02:57:48 -0500 When it comes to retirement plans, what is more important than fees? – As David Huntley, co-editor of the 401k Averages Book explains in the attached article, fees are the be-all and end-all when it comes to value. The DOL apparently shares this opinion. In your mind, what’s more important than fees?
[bpfb_link u…[Read more]

]]> 0 98f4a02ab9c87847939a79d3ea723e3e https://fiduciarynews.com/activity/p/395/ Fri, 04 Dec 2015 02:56:26 -0500 What’s the best way to improve 401k participant fee disclosure? – While it may be correct that it does more harm than good, it’s not going away. Our only hope is to make it better.How do you see that happening? Is there something more important than fees to disclose to 401k plan participants?
[bpfb_link url…[Read more]

]]> 0 5a851ef1c97d3f89fad568000dc73b6d https://fiduciarynews.com/activity/p/394/ Fri, 04 Dec 2015 02:54:21 -0500 What’s the biggest impediment to saving for retirement? – You may be surprised to see what AARP’s David Certner has to say in the attached article. Before you read it, though, tell us what you think it is.
[bpfb_link url…[Read more]

]]> 0 33a9b4933eb1051611d7880b8e495ce1 https://fiduciarynews.com/activity/p/393/ Fri, 04 Dec 2015 02:52:14 -0500 Has the DOL sufficiently defined “best interests” under its new proposal? – Or are we going to have to wait for the courts to decide? The DOL is saying let the courts decide. Is that really in the best interests of, well, anyone?
[bpfb_link url…[Read more]

]]> 0 8fccad37614ca0a910f80d5f1d384330 https://fiduciarynews.com/activity/p/392/ Fri, 04 Dec 2015 02:50:39 -0500 Universal “Fiduciary” Standard – For almost two years now, I have been expressing my frustration about the “Fiduciary” standard because I knew that the lobbying effort during the rules making process leading up to the proposed regulation would be intense and would be ruled by those with the most to lose. I could not believe that people on our sid…[Read more]

]]> 0 943efd20f14780bef644d6c243ffbbce https://fiduciarynews.com/activity/p/391/ Fri, 04 Dec 2015 02:48:34 -0500 From a tax standpoint, Are people better or worse off investing in a 401k plan? – Lately, there’s been much discussion surrounding the tax benefits of 401k plans. Many say, with tax rates so low, there’s no reason to invest in a 401k or any other tax deferred savings plan. Tell us what you think below. In either case, you might be surprised by the…[Read more]

]]> 0 a95c6c746f232bd542dd5d1d5a98e249 https://fiduciarynews.com/activity/p/390/ Fri, 04 Dec 2015 02:46:12 -0500 Winners help plan sponsors solve problems, but which ones? If you want someone to do you a favor, you must first do them a favor. That’s one of the big lessons taught by Professor Don Corleone. (And when that doesn’t work, there’s always “that” offer.) Trouble is, sometimes people ask for one thing and want another. Other times they ask for somet…[Read more]

]]> 0 19ec685c0beb0664c6544fda6bc9ecf7 https://fiduciarynews.com/activity/p/389/ Fri, 04 Dec 2015 02:42:59 -0500 How Often Should Plan Sponsors Meet with Service Providers? – Monthly, quarterly, semi-annually, or annually? A plan and its investment option menu is like an aircraft carrier – it takes a long time to turn it. Unless something dramatic happens, meeting more than once a year may lead to short-term reactive decision making, which may not be in t…[Read more]

]]> 0 f49c295decd0c68c33727c40801536f3 https://fiduciarynews.com/activity/p/356/ Mon, 30 Nov 2015 03:39:58 -0500 Welcome to Member News! This is the only group available to basic members. You’ll want to visit this group often to discover new benefits or critical “How-To” Answers. In fact, if you’ve got a question about the site, please ask it here. I’m sure you’re not the only one with the question and sharing it here will allow others to benefit from…[Read more]

]]> 0 0055870e4f56415cff3a5cf6cd5cd028 https://fiduciarynews.com/activity/p/345/ Mon, 23 Nov 2015 15:01:58 -0500 0 4a51057d5958d676f59a47e51971eb1f https://fiduciarynews.com/activity/p/339/ Mon, 23 Nov 2015 14:54:08 -0500 0 e7e626f23aa20a85662ba2e9dd9c128e https://fiduciarynews.com/activity/p/338/ Mon, 23 Nov 2015 14:53:08 -0500 0 2131d59032340fbf53022083dab7ed24 https://fiduciarynews.com/activity/p/337/ Mon, 23 Nov 2015 14:52:13 -0500 0 0e7dedc8524738fe81a0bb864f7fd84e https://fiduciarynews.com/activity/p/335/ Mon, 23 Nov 2015 14:50:13 -0500 0 f04c85d36b326e7fce1d56cf4f1e4c38 https://fiduciarynews.com/activity/p/332/ Mon, 23 Nov 2015 14:45:37 -0500 0 ccb45672a2b4887471834065f985b279 https://fiduciarynews.com/activity/p/331/ Mon, 23 Nov 2015 14:44:12 -0500 0 0a62efd8a691fcf984560689302039a0 https://fiduciarynews.com/activity/p/323/ Sun, 22 Nov 2015 03:26:22 -0500

]]> 0 da2bc3df5480376f1752477bb863c825 https://fiduciarynews.com/activity/p/310/ Sun, 15 Nov 2015 04:09:38 -0500 0 ed81c2b95b0555a3a3aa7c475e221c10 https://fiduciarynews.com/activity/p/51/ Sat, 17 Oct 2015 20:51:45 -0400 Should adolescent “Stock Market Challenge” games be banned from schools? How can someone learn the important lessons of investing for a lifetime if they’re rewarded for playing a short-term trading game? Are there better ways to simulate long-term investing in a gamified form?
[bpfb_link url=’…[Read more]

]]> 0 e55827f47b9a0893363c5402ad83dbd4 https://fiduciarynews.com/activity/p/50/ Sat, 17 Oct 2015 20:51:03 -0400 What’s your most frustrating story when it comes to 401k employee education? If you’re teaching, tell us the one about the time you thought you nailed the presentation only to find out the audience later failed to act per the lesson. If you’re taking the point of view of the audience, tell us about the time the presenter glossed over – or even ou…[Read more]

]]> 0 ced91730f7d04b1e8c3bcbb394095f75 https://fiduciarynews.com/activity/p/49/ Sat, 17 Oct 2015 20:50:25 -0400 Does your 401k plan measure retirement readiness of participants and, if so, how do you measure it? Despite all the noise and rancor about fees and annual investment performance, this is the bottom-line: Are the employees on the right path to be ready to retire? The article contains some thoughts on measuring retirement readiness. What is your…[Read more]

]]> 0 91acdafa2a6ae3a48e67e2cf4bdca6e2 https://fiduciarynews.com/activity/p/48/ Sat, 17 Oct 2015 20:49:51 -0400 What’s the best way to measure the success of a 401k plan? How we pick 401k benchmarks have changed over the years. What guidelines to select benchmarks do you use today that you didn’t use 10-15 years ago? Can’t remember that far back? Here’s an article highlighted how those guidelines have changed. What do you think?
[bpfb_link url=’ht…[Read more]

]]> 0 d278e686d06940ebe680dd4f26a2b10c https://fiduciarynews.com/activity/p/47/ Sat, 17 Oct 2015 20:49:18 -0400 How much do retirement savers need to accumulate? What do you think? Is $1,000,000 the number people should be aiming for to live a comfortable #retirement? If not, what are the more important variables? #fiduciary #401k #IRA
[bpfb_link url=’http://nowitcounts.com/do-you-need-million-dollars-in-retirement/’ title=’retirement: It's Never Too Late…[Read more]

]]> 0 22990ed988fb05be9a341258cbb8c936 https://fiduciarynews.com/activity/p/43/ Sat, 17 Oct 2015 20:45:55 -0400 Are investors who fail to learn from history doomed to repeat it? We hear millennials prefer to buy annuities than to save in a 401k or IRA and invest directly (and at a lesser cost) in the stock market. Well, this is bad news and good news. The bad news is that those that don’t learn from history are condemned to repeat it. How many baby b…[Read more]

]]> 0 1539f5ab40a4195978f6c9727f01a5fa https://fiduciarynews.com/activity/p/42/ Sat, 17 Oct 2015 20:45:26 -0400 After decades of relying on “risk tolerance” questionnaires, how do you convince 401k plan sponsors and investors that they’re more dangerous than useful? What horror stories can you share? As the attached link explains, since as early as 1999, it’s been widely known “risk tolerance” questionnaires are, at best, irrelevant and, at worst, misl…[Read more]

]]> 0 7adc2bb036260aba6d1207ec023d6131 https://fiduciarynews.com/activity/p/41/ Sat, 17 Oct 2015 20:44:39 -0400 How do we stop the BHB myth that claims asset allocation accounts for 93% of investment performance? It’s been a while since major financial service providers have misquoted the infamous Brinson-Hood-Beebower research papers from the late 1980s/early 1990s. We still, however, see individual practitioners and even the some journalists repeating t…[Read more]

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