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Fred Reish Monthly Insights

The latest proposals and regulations, and their impact on plan sponsors, participants, and your practice.


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.
Fred Reish explains what the heightened attention from the DOL could mean for cryptocurrencies, ESG, and Private Equity
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 explains how the new rule will impact recommendations to rollover or transfer assets to an IRA
Fred Reish reviews how a recent Supreme Court ruling will impact retirement plans
Fred Reish outlines the DOL’s latest attempt to expand the definition of who is considered a fiduciary.
Fred Reish looks ahead to 2022 and predicts what new laws and regulations we should expect that could impact retirement plans and your practice.
Fred Reish explains while the early reports of the death of the backdoor Roth planning technique was premature, the likelihood of its death is not greatly exaggerated.
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.
The Department of Labor just released its new proposed regulation to expand the use of ESG factors for retirement plans
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.
As we enter review season for 401(k) plans, most financial professionals focus on the plan’s investment line-up while overlooking other key fiduciary areas. Get prepared with a basic framework that will set you up for a successful meeting.
Properly structured meetings can help plan fiduciaries engage in prudent processes and decision making.
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.
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.
The SEC’s Division of Examinations recently issued its Examination Priorities for 2021 and, once again, individual investors will be a focus of the examination activities.
The new rule expanded the interpretation of when an investment professional is a fiduciary and includes an exemption from compensation that is prohibited under ERISA and the Internal Revenue Code.
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.

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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