Automatic Plan Features

Over the past few decades the rise in Defined Contribution plans has shifted the burden for retirement planning and saving away from employers to fall squarely on the employees’ shoulders.  It’s a responsibility that can be intimidating for those who …

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Indexing Works: Just Look at the Numbers

While the philosophical debate continues to rage on about the merits of active management, we’d rather focus on the data.  After all, it’s the data that drives our decision-making process as retirement plan advisors and fiduciaries. Morningstar, an independent provider …

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Fees, Fees, and more fees…

The rent in your 401(k) plan is likely too high.  Even worse, a lot of the time neither employers nor employees know just how much they’re paying, to whom, or even that they’re paying at all. Focusing on the fees …

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