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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.
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
QDAI: Qualified Default Artificial Intelligence
Ron Surz says there is an evolution underway in 401(k) investing that is being driven by AI
7 Super Practical Ideas to Enhance Your Retirement Business
In her latest 401(k) Client Connection column, retirement marketing expert Rebecca Hourihan shares tips that can transform your business and drive growth
SECURE 2.0’s Saver’s Match: The Promise and The Challenges
Tom Hawkins explores four key themes associated with the impactful SECURE 2.0 provision set to replace the Saver’s Credit for tax years following 2027
Feel the Pain of the U.S. Debt Problem
We don’t “feel” the magnitude of our gigantic debt, but we are beginning to feel its cost
The Truth About Old-School Automatic Rollovers
Tom Hawkins explains why new-school automatic rollovers incorporating auto-portability are the future—and why old-school rollovers need to go away
Robert L. Johnson Talks Auto Portability, Racial Wealth Gap at EBRI Spring Policy Forum
Renée Wilder Guerin of Retirement Clearinghouse recounts RCH Chairman Robert L. Johnson's keynote address at EBRI's 2024 policy forum