Fred Reish explains the myriad of opportunities for plan sponsors to manage their fiduciary responsibility and reduce their exposure to potential liability.
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Fiduciary Protections: How “Policies” Can Help Manage the Risk
Communicating with someone with Alzheimer’s disease can be easier if we understand what’s happening in their brain and how it affects memory and communication.
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The Connection Factor: How to Talk to a Loved One with Alzheimer's
Investors need to remain calm when market volatility strikes, but it can be difficult to control our emotions. When we fear losing money or missing out on gains, emotions can influence our decision-making ability.
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Hardwired to React: Why Investors Make Mistakes That Could Have Been Avoided client white paper MAI227
MIT AgeLab insights about how the pandemic has hit the job market in unprecedented ways, but one specific group has been struck the hardest: women over the age of 55. Have a game plan to help any of your affected clients.
Fred Reish outlines how the use of dynamic QDIAs can replace the “one-size-fits-all” model with one that focuses on each participant as an individual with unique needs and goals.
Your clients may have a limited view of what’s possible in retirement. They’ve heard the traditional story of old age where everyone lives happily ever after in leisure-filled retirements. This story is exactly what some clients are looking for. But some of them get bored with this story. They’re not ready to retire and relax. They want something more. Us this workbook to help them create their new story.
Uncovering their unique history with money can help clients gain a deeper understanding of their relationship with money, and change any behaviors that might be interfering with their financial success.
An annual team offsite meeting is an opportunity to gather your team and spend time away from the office for a half-day annually. This piece provides a sample agenda for annual team offsite meetings and includes potential meeting topics.
Clients' expectations of financial professionals are increasing. Learn the value of networking with longevity-based professionals and how to host a longevity-panel client event.
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Why Longevity-Panel Events Are a Hit with Clients (And How You Can Host Your Own)
While advisors have a lot of practice talking to their clients about estate and legacy planning, they don’t always take this same advice in preparing a succession plan for their own businesses. Learn 4 tips for succession planning
Help other business professionals master the art of time management. Use this coaching tool to help them stay on track and put you them in the best position possible to succeed
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Client Worksheet: Four Steps to Identify and Execute Your Pillars
Building Your Longevity Network” financial professional workbook. Learn how to build a network of longevity-related professionals to help solve the challenges of longer retirements and differentiate your practice.
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Building Your Longevity Network advisor workbook MAI318
The decision of whether or not to team up with another advisor is one of the most important considerations a financial advisor can make regarding the future of his or her business. Consider these topics when mulling over the idea of forming a team.
Aging clients now expect financial advisors to prepare them for what they may confront in middle age and as older adults. Your ability to provide these services will depend not only on your value proposition, but the depth of your relationship with each client.
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The Future of Advice financial professional presentation
: The new year is a perfect time to assess your team: what’s working, if the communication is clear and open, and if there’s the necessary trust and respect. Schedule a formal offsite team meeting to review last year, consider this year’s goals, and build a written plan to execute. It’s also a great opportunity to remind your team what your value proposition is, clarify roles and responsibilities, and set team goals for next year.
Fixed-income markets generated positive total returns to start the year as participants scrambled to assess
tariff implications. Treasury yields rose initially, but DeepSeek news helped spark a reversal.
A turbulent landscape shaped by political shifts, economic changes, and tech-sector challenges has the US equity market navigating uncertainty in 2025.
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The US Equity Rotation: Where Have All the Good Vibes Gone?
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The US Equity Rotation: Where Have All the Good Vibes Gone?
Our human-centric investing approach considers how the markets impact your clients’ mindsets, as well as how societal influences, generational differences, and their stages of life shape them as investors. Our modules can help you deepen client relationships, grow your business, and separate yourself from the competition.
With today’s rising lifespans, we could be facing roughly 20 or more years in retirement, which is approximately 8,000 days. Once thought of this way, it becomes clearer that retirement is not an end, but rather a new, complex, and unknown phase of life, during which so much could happen.
If rising rates cause stable value funds to incur a market value adjustment, fiduciaries don’t violate their fiduciary duties as long as they engage in a prudent process when selecting and monitoring the stable value fund.
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What To Know About Stable Value Funds and Rising Rates
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What To Know About Stable Value Funds and Rising Rates
Valuations in many markets are broadly cheap, and since a great deal of uncertainty is already priced in, there may be opportunities to consider adding to exposures in the coming months.
Donald Trump’s second administration is expected to bring significant policy changes, with concurrent impacts on inflation, trade, and economic growth.
With uncertainty on the horizon, talk to your financial professional about investing in fixed income designed to be less sensitive to interest-rate changes.
Despite high valuations, the US stock market remains attractive due to strong economic
growth and productivity. But diversifying globally can help manage risks and uncover undervalued opportunities.
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The Case for and Against US Stock Market Exceptionalism
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The Case for and Against US Stock Market Exceptionalism
If you’re planning to age in your home, procrastination cost you. Not making necessary age-friendly modifications could result in an injury, forcing you out of your home and into assisted living or a nursing home. A Certified Aging in Place Specialist (CAPS) can help you with planning and making your home safer for aging.
Veterans and their families make up almost 40% of the adult Social Security beneficiary population. Here’s what you should know about your benefits and eligibility.
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10 Things Veterans and Servicemembers Should Know About Social Security
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10 Things Veterans and Servicemembers Should Know About Social Security
Schroders’ experts share their longer-term views on what a second Trump administration could mean for the US economy and world trade, global equities, fixed income, and the energy transition.
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2024 US Election Outcome: Implications for Investors
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2024 US Election Outcome: Implications for Investors
Discover why retirement complexity increases as we age and how to prepare for it. By sharing and discussing this piece with your clients, they’ll see you as an advisor who helps them plan for their entire retirement, not just the fun phase.
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How to Plan for the Navigating Complexity Phase of Retirement white paper
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How to Plan for the Navigating Complexity Phase of Retirement white paper
Increasing interest in managed accounts has caught the eye of plaintiff’s attorneys. Fred Reish discusses steps advisers can take to reduce their risks.
Education and longevity are raising clients’ expectations of advice. A client-focused framework models what may be considered valuable to different generations using three distinct value propositions.
If you expect to be in a similar or higher tax bracket when you retire as you are today, consider converting some of your retirement assets to a tax-free Roth IRA account.
Help clients achieve not only financial security, but also be proactive in helping them understand the challenges old age will present—and resources to overcome them.
When plan sponsors select investment managers for participant accounts, they are acting as fiduciaries under ERISA. As a result, they must engage in a prudent process to select the investment advisers and then, at appropriate intervals, must prudently monitor their performance. This article discusses some of the key considerations for doing those jobs.
Fred Reish discusses how by properly managing high-risk issues, plan sponsors can reduce their fiduciary liability insurance costs and, more importantly, reduce their chances of being sued.
This quarter-by-quarter checklist serves as a practical way to ensure plan committees spend time each year on the most important issues that affect their plans.
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401(k) Plan Committees: Your Checklist for Success
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401(k) Plan Committees: Your Checklist for Success
Being able to drive can be an important for clients’ aging loved ones to maintain their independence and stay healthy. But what if it becomes dangerous for them to drive?
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How to Determine if Your Aging Loved One Should Be Driving client white paper
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Recent performance has favored passive investing. But a look at the big picture shows how performance moves in cycles and reveals why active management isn't dead.
Municipal bonds tend to be popular with wealthy investors, but their generally tax-exempt status makes them appealing for investors in a variety of tax brackets.
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Client Conversations: Five Reasons Municipal Bonds Aren't Just for the Rich
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Learn about the new array of devices and services that will make it easier for us to work, stay healthy, and live at home as we age, all while remaining connected to friends and family
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5 Ways Technology Will Change the Way We Age client white paper
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5 Ways Technology Will Change the Way We Age client white paper
Shifting demographics, technology innovations, and new employee expectations are shaping the workplace of the future. In order to retain and attract the best talent across the generations, you must meet the expectations of today’s employee.
The new multigenerational workscape provides unprecedented opportunity for employers—if they know how to create and cultivate it. In order to retain and attract the best talent across the generations, plan sponsors must meet the expectations of today’s employee.
To attract and retain the best talent, employers will need to adapt to the shifting priorities of today's workers. This workbook provides practical ways to achieve that.
Once the fiduciaries at a plan sponsor make the decision to hire investment expertise, they need to decide whether to engage with a 3(21) or a 3(38) investment advisor.
Your clients may have a limited view of what’s possible in retirement. They’ve heard the traditional story of old age where everyone lives happily ever after in leisure-filled retirements. This story is exactly what some clients are looking for. But some of them get bored with this story. They’re not ready to retire and relax. They want something more. Help them create their new story.
Several fiduciary lawsuits have been filed against plan sponsors and fiduciaries for use of participant data by their 401(k) recordkeeper. Plan sponsors should evaluate how the data is used and decide on a course of action to prudently oversee that use.
The merger or acquisition (M&A) of one company by another raises significant issues for their 401(k) plan. A knowledgeable financial professional can provide valuable assistance to the plan sponsors and fiduciaries in that process.
When the plan sponsor’s 401k recordkeeper is sold, the plan’s fiduciaries have a duty to evaluate the impact this change may have on the plan and its participants.
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Plan Sponsor Considerations When A Recordkeeper Is Sold
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Plan Sponsor Considerations When A Recordkeeper Is Sold
Fred Reish reviews the DOL’s guidance on cybersecurity issues for retirement plans, focusing on how plan sponsors can mitigate these risks as part of their fiduciary responsibilities.
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The DOL Speaks: Cybersecurity Is a Fiduciary Responsibility
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The DOL Speaks: Cybersecurity Is a Fiduciary Responsibility
Adviser managed accounts are becoming increasingly popular in 401(k) plans. Fred Reish discusses what plan sponsors need to know about their fiduciary responsibility when providing this benefit to their participants.
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Fiduciary Considerations When Offering Managed Accounts to Participants
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Fiduciary Considerations When Offering Managed Accounts to Participants
Including a self-directed brokerage account (SDBA) window in a 401k plan is a fiduciary act and the plan fiduciaries must prudently select and monitor the SDBA service provider.
The SECURE Act created a new type of plan—a pooled employer plan known as a PEP. Beginning January 1, 2021, these plans will play a significant role in the retirement plan market
Your credit score is one of the factors lenders consider when you apply for a loan, mortgage, or credit card, or even sign up for a cell phone plan. Although most consumers have credit scores, there are a lot of myths and misinformation about what influences them.
Worried or skeptical clients may make investment decisions intended to protect their portfolio but are ultimately detrimental. Help clients see past common investment illusions to reach their long-term goals.
When volatility strikes, repetitive bad news can stoke investors’ fear and anxiety. Learn concrete steps to addressing how your clients feel as well as how they invest.
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Fear, Finance & The High Anxiety financial professional presentation REP_FEAR PDF
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Fear, Finance & The High Anxiety financial professional presentation REP_FEAR PDF
5 Ways Technology Will Change How You Age client presentation. You’ll discover a list of apps, sites, and devices to help your clients in five areas: Staying on the job, Stay connected to friends and family, Stay mobile, and Aging in the home of their choice.
Share historical patterns of crisis and the market's ability to grow wealth through recessions and bear markets. Prepare clients to avoid panic decisions when the next "Crisis of the Day" makes headlines.
Differentiate your practice by thinking beyond traditional COIs (accountants and attorneys). Use LinkedIn to build a network of longevity professionals.
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How to Expand Your Professional Network With LinkedIn (and Bring in New Clients)
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How to Expand Your Professional Network With LinkedIn (and Bring in New Clients)
Having a purpose can be the key to a fulfilling retirement. For some, a way of maintaining a sense of purpose may be continuing to work. This white paper offers 10 resources to help you find a job in retirement.
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10 Resources to Help You Find a Job in Retirement client white paper
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10 Resources to Help You Find a Job in Retirement client white paper
What if the great thinkers like Plato, Socrates, and Confucius had retirement figured out thousands of years ago? Discover how ancient wisdom can lead to retirement satisfaction.
Learn how to handle face-to-face interactions with affluent prospects at social events. Socializing probably sounds pretty easy. But a haphazard approach can botch these opportunities and erode trust.
Many advisors struggle to connect quickly with clients and prospects. That’s because there are a variety of things that can get in the way. This engaging, interactive workshop will help you understand these obstacles and how to overcome them. You’ll enjoy practicing four ways to sharpen communication and better connect with others today
History shows that the performance of growth and value stocks has been cyclical. Each style has had its ups and downs over the years. Could the cycle be turning once again?
Investment expertise, breadth of products, and how we go beyond investments to help address your clients’ individual needs and establish and deepen your relationships with them.
MIT AgeLab explains how to identify signs of investment anxiety in your clients. Learn how anxiety affects behavior, and steps you can take to help clients manage it.
Our advisor consultants can deliver this presentation at your client events to help them navigate 8,000 days of retirement.
With today’s rising lifespans, we could be facing roughly 20 or more years in retirement, which is approximately 8,000 days. Once thought of this way, it becomes clearer that retirement is not an end, but rather a new, complex, and unknown phase of life, during which so much could happen.
Many clients are distracted and unengaged, and traditional, numbers-based approaches to financial planning have lost effectiveness. MIT AgeLab has identified three simple yet revealing questions you should ask your clients to prompt an assessment of how prepared they are to live well in older age, and to help them commit to planning for that future today.
You may be hearing a lot about Bitcoin and wondering what it is and if it is right for you. Here are 10 facts that can help you understand its potential benefits and significant risks.
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Client Conversation: 10 Things You Should Know About Bitcoin
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Client Conversation: 10 Things You Should Know About Bitcoin
Whether you've just received a layoff notice from your employer or you're worried that one may be coming, here are 10 things you should consider doing now to prepare for a layoff.
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10 Things You Should Know About Surviving a Layoff
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10 Things You Should Know About Surviving a Layoff
According to Dr. Joseph Coughlin, director of the MIT AgeLab (agelab.mit.edu), retirement is made up of four phases (hartfordfunds.com/days). The Honeymoon Phase is the first one. Advertising portrays this time being filled with beaches, bike riding, and golf. It’s true that if you’ve stopped working, you’ll have more time for leisure activities. You might even think, “This is the life. This is what I want my retirement to be like.” But after a while, these activities can become routine. They might not provide the happiness we expected.
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The Honeymoon Phase of Retirement client white paper
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The Honeymoon Phase of Retirement client white paper
While investing is considerably more complicated than most illusions, the market can also take advantage of our natural reactions. In fact, the most important principles of investing are almost all counter intuitive by comparison. Many times the natural reaction to a market situation can be counter-productive at best or a serious setback to your financial goals at worst.
