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Fred Reish Monthly Insights
The latest proposals and regulations, and their impact on plan sponsors, participants, and your practice.
Not all PEPs are the same and financial professionals need to understand how they match up with the needs of plan sponsors.
The IPS should be a set of guidelines to help, not hinder work.
Fred Reish reviews recent guidance for mandatory provisions of the SECURE 2.0 Act
The greatest risk facing plan sponsors is that they aren’t aware of this new requirement.
Fred Reish reviews how a recent Supreme Court ruling will impact retirement plans
Once the fiduciaries at a plan sponsor make the decision to hire investment expertise, they need to decide whether to engage with a 3(21) or a 3(38) investment advisor.
Fred Reish lists some of the most important issues for plan sponsors and fiduciaries to review at the year-end meeting.
Determining how to allocate plan expenses is a fiduciary decision that must be done prudently.
The IRS recently issued guidance on several SECURE 2.0 Act provisions, including the treatment of catch-up contributions for high earners.
Big changes are coming to 401(k) catch-up contributions
Plan fiduciaries should consider the "individualization" of the managed accounts and the additional services that are offered.
Increasing interest in managed accounts has caught the eye of plaintiff’s attorneys. Fred Reish discusses steps advisers can take to reduce their risks.
If rising rates cause stable value funds to incur a market value adjustment, fiduciaries don’t violate their fiduciary duties as long as they engage in a prudent process when selecting and monitoring the stable value fund.
Adviser managed accounts are becoming increasingly popular in 401(k) plans. Fred Reish discusses what plan sponsors need to know about their fiduciary responsibility when providing this benefit to their participants.
Fred Reish explains the myriad of opportunities for plan sponsors to manage their fiduciary responsibility and reduce their exposure to potential liability.
Fred Reish discusses the new guidance and its meaning for financial professionals who help plan sponsors select and monitor the investments for participant-directed plans, such as 401(k) and 403(b) plans.
Fred Reish reviews key provisions of the SECURE 2.0 Act that become effective in 2025 and beyond.
Fred Reish highlights the SECURE 2.0 Act provisions that become effective in 2024 and are likely to be the most impactful.
Fred Reish discusses how by properly managing high-risk issues, plan sponsors can reduce their fiduciary liability insurance costs and, more importantly, reduce their chances of being sued.
Fred Reish discusses provisions of the SECURE 2.0 Act that are already effective, and those that will become effective in 2023.
Fred Reish shares tips on how to mitigate risks and avoid problems when drafting 401(k) Investment Policy Statements.
Fred Reish reviews the DOL’s guidance on cybersecurity issues for retirement plans, focusing on how plan sponsors can mitigate these risks as part of their fiduciary responsibilities.
The merger or acquisition (M&A) of one company by another raises significant issues for their 401(k) plan. A knowledgeable financial professional can provide valuable assistance to the plan sponsors and fiduciaries in that process.
When the plan sponsor’s 401(k) recordkeeper is sold, the plan’s fiduciaries have a duty to evaluate the impact this change may have on the plan and its participants.
Properly structured meetings can help plan fiduciaries engage in prudent processes and decision making.
Fred Reish discusses the types of managed accounts and the value that they can provide.
Fred Reish details how recent SEC guidance materially impacts recommendations to roll over money from retirement plans and to transfer IRAs from another firm.
Fred Reish breaks down lessons learned from recent ERISA lawsuits and why your Target Date Funds may be worth a second look.
Financial professionals have the experience to help plan sponsors and participants through turbulent market times.
Both numbers refer to sections of ERISA that define fiduciary advice, but their meanings are very different.
The SECURE Act created a new type of plan—a pooled employer plan known as a PEP. Beginning January 1, 2021, these plans will play a significant role in the retirement plan market.
Including a self-directed brokerage account (SDBA) window in a 401k plan is a fiduciary act and the plan fiduciaries must prudently select and monitor the SDBA service provider.
The SECURE Act requires DC plans to provide participants with statements projecting their retirement income. This can help improve outcomes and presents an opportunity for financial professionals.
Ideas for financial professionals to help plan sponsors fulfill their fiduciary responsibilities and embrace best practices.
Several fiduciary lawsuits have been filed against plan sponsors and fiduciaries for use of participant data by their 401(k) recordkeeper. Plan sponsors should evaluate how the data is used and decide on a course of action to prudently oversee that use.
Fred Reish details how the myth that ERISA favors passively managed funds over actively managed funds is not correct.
The probability of significant retirement legislation this year has increased substantially.
The DOL’s heightened scrutiny on 401(k) brokerage windows
Fred Reish defines best practices for plan design opportunities, financial professional practices, and investment products that will result in a secure retirement for participants.
Fred Reish outlines how the use of dynamic QDIAs can replace the “one-size-fits-all” model with one that focuses on each participant as an individual with unique needs and goals.
Fred Reish
JD, Partner, Faegre Drinker
Fred’s practice focuses on fiduciary and best interest standards of care, prohibited transactions, conflicts of interest, and retirement plans. He has been recognized as one of the “Legends” of the retirement industry by both PLANADVISER magazine and PLANSPONSOR magazine. He has also received recognition awards for: the Institutional Investor Lifetime Achievement Awards, the ASPPA/Morningstar 401(k) Leadership Award, and the IRS District Director’s Award for contributions to the retirement community.
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