401k Plan Advisors

Dirty Tricks Brokers Use to Get Your Business

January 25, 2012 , 8:49 pm

There really is no great secret on successful investing for long Image via Wikipediaterm goals. You do not have to know everything about investing to succeed, but you do need to know the right things. There is an academic method to developing a diversified portfolio, custom fit to each individuals situation. This goes against the Wall Street model … [Read More...]

Can You Beat The Market?….NO!!

January 25, 2012 , 4:42 pm

When dealing with investors I have heard a number of questions. The most frequently asked is; what will the market do next? Every one of them believes someone knows what will happen next. Investors are in constant search of the ‘expert’ that will give them the answers and ‘beat’ the market. Unfortunately, there are no answers to the … [Read More...]

Diversification Is Your Buddy

January 20, 2012 , 6:24 pm

Given the events of the past few weeks, many investors are considering moving their money out of the stock market. Since no one can predict the future, this is a huge mistake. You must decide if you are a gambler/speculator or an investor. Gamblers believe they can out guess the market and avoid all losses. The gamblers have … [Read More...]

Does Your Broker Treat Your 401(k) Plan Like an Employee Benefit or a Lead Generation Tool?

January 20, 2012 , 5:54 pm

There has been much discussion on the fiduciary standard for all financial services salespeople. There has been new regulations requiring those brokers or agents selling retirement plans to become fiduciaries to the plans. This is vital to the success of the 401(k) as the sole source of retirement for most Americans. Many retirement plans are … [Read More...]

The True Enemy of Every Investor.

January 20, 2012 , 5:00 pm

Successful investing is not, per se, a portfolio problem, but rather a people problem. No matter how well designed and engineered a portfolio is, it can easily be destroyed by imprudent investor behavior. Unfortunately, the true enemy of every investor lies within. The instincts, emotions, and even biochemical makeup of human … [Read More...]

Emotional Investment Decisions.

January 20, 2012 , 4:57 pm

Every day we hear on the radio or see on the television or print media reasons to make emotional decisions with our money. Every day there are reasons for any asset class to go up OR down. Every day there is new information that will affect us in a positive or negative way. The variables that can affect investments are never the same as there are … [Read More...]

Fiduciary DOL Proposal Puts CFO Liability in Question.

January 19, 2012 , 5:38 pm

Any plan provider that refuses to agree in writing to serve as the ERISA 3(38) investment manager should be asked why not. Why will they not be accountablefor the investment choices being offered by the plan. The reason in most cases is there is a conflict of interest. Plan sponsors must begin to realize that they must act in the best interest of … [Read More...]

DOL & IRS Ramping Up Enforcement

January 18, 2012 , 5:39 pm

The DOL & IRS are ramping up enforcement efforts for retirement plan compliance. The Obama administration has been increasing the IRS and DOL staff to combat the large number of retirement plans that it says are not compliant with retirement planning rules and regulations. The DOL says 77% of 401(k) plans are non-compliant in some … [Read More...]