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Opinion Articles
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401(k) Specialist is the place for opinion articles on 401(k) topics, offering a rich tapestry of perspectives from industry leaders, financial advisors, and plan administrators. These articles provide valuable insights into the latest trends, challenges, and innovations in the realm of 401(k) planning and management. By presenting a variety of viewpoints, 401(k) Specialist encourages readers to think critically about their retirement strategies and consider new approaches to enhance plan performance. Whether it’s exploring investment options, dissecting regulatory changes, or debating best practices, the magazine fosters a community of informed professionals eager to share knowledge and drive the industry forward.
VP Debate Again Ignores Social Security Troubles
As in the Sept. 10 Trump-Harris debate, Tuesday’s Vance-Walz debate sidesteps a key issue to undecided voters
Echo Boomers are the Next Retirement Wave. What Will Target Date Funds Look Like for Them?
While Baby Boomers will likely not benefit from TDF improvements, Ron Surz says Millennials should
4 Compelling Reasons for Plan Sponsors to Adopt Auto Portability
Tom Hawkins shares why it’s OK to be an early adopter as the industry is quickly embracing this new plan feature
Gen Z is Focused on Saving—But the Struggle is Real
Financial frustrations are troubling these youngest members of the workforce, but research shows they are motivated to save—and want their employers’ help in doing so
Recommendations to the ERISA Advisory Council Regarding Target Date Funds
Ron Surz stresses that TDFs need better protections in recommendations to the Council
Small Businesses: Overcoming Barriers to Retirement Plans
Sharebuilder 401k CEO Stuart Robertson explains how new tax incentives make offering a 401(k) much more palatable for owners of small businesses
More Leakage – Deeper in Debt!
Why Congress’ decision to increase liquidity via new distribution options increases leakage and impedes retirement preparation
HSAs are Evolving: Here’s What to Know Beyond the Basics
Brian Hutchin explains how health savings accounts can be used much more broadly than for immediate personal healthcare needs
What Baby Boomers Need to Know About Target Date Funds, and Why
Ron Surz says excessive risk is the most important TDF characteristic and laments attention given to things that don’t matter
The Risky Business of Cashing Out Plan Balances Below $1,000
Tom Hawkins exposes the drawbacks for both plan sponsors and participants