Robert Toth is principal with Toth Law and Applied Pension Professionals.  Bob Toth has practiced employee benefits law since 1983. His practice focuses on the design, administration and distribution of financial products and services for retirement plans, one which combines elements of ERISA, tax law, insurance law, securities law and investment law for both 401(a) and 403(b) plans.

Bob has extensive experience in the design and implementation of lifetime income programs for defined contribution plans (“DC plans”) including the manner in which insurance products are integrated into their operation. He is widely published on these programs, including on the fiduciary implications related to them.