Browsing Tag
Opinion
325 posts
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The 401(k) ‘Race’ is a Marathon
Most can’t sprint their way to retirement, says Jack Towarnicky
Miracle on the Hudson: Why 401(k) Advisors Need a More Advanced Decision-Making Framework
Don Trone says this framework is the foundation for the special purpose avatars now being deployed to help advisors elevate their practices and strengthen fiduciary outcomes
A Simple Formula for Retirement with Dignity
Ron Surz says retiring with dignity doesn’t have to be complicated, but many Baby Boomers heavily invested in target-date funds don’t realize they may be putting that dignified retirement at great risk
The Need to Align Retirement Advisors, Plan Sponsors, and Participants in Order to Improve Retirement Outcomes
Using AI to create a shared decision-making standard for retirement planning
The Quiet Push: How Private Equity is Creeping into Target Date Funds
Longtime fiduciary advisor Terry Morgan argues the push to embed private equity inside TDFs threatens liquidity, transparency, and fiduciary duty
90% Outperformed Warren Buffett in His Last Year. So What?
While others were shifting out of US stocks and into gold and foreign stocks in 2025, Buffett was moving to an unprecedented cash position—a defensive stance Ron Surz says may yet prove prescient
2025: A Breakthrough Year for Portability
Tom Hawkins explains how auto portability is quickly moving from an emerging concept toward a scaled capability within the DC system
Still Right After All These Years: Why True 401(k) Fiduciary Advice Can’t Be Mass-Produced
Eight years after Scott Simon’s warning, Ok401k’s Terry Morgan argues that outsourced, conflicted 3(38) and 3(21) models still undermine real fiduciary responsibility—and participant outcomes
Trump is No Franklin, But…
Jack Towarnicky explains why he is super excited about the opportunity and possibilities from the new child accounts
AI Knows Data, But It Can’t Make Participants’ Financial Decisions
Wealthramp’s Pam Krueger and Financial Finesse’s Liz Davidson explain why the future of financial wellness is using both technology and human expertise wisely