Tag Archives: retirement plan participants

Does Your 401k Owe You Money?

Posted on November 20, 2014 by investsense

In addition to this blog, I also write for the Paladin Registry. I just posted a new article on excessive fees within 401k plans. The article is available at  http://iwd.paladinregistry.com/products/401k-plan-owe-money/

Posted in Asset Protection, ERISA, Investment Advice, Investment Advisors, Investment Fraud, Investment Portfolios, Investor Protection, IRA, pension plans, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Retirement Plan Participants, Wealth Accumulation, Wealth Management, Wealth Preservation | Tagged , , , , , , , , , , , , , , , , , , , | Leave a comment

Throwing 404(c) Participants (And Sponsors) Under the Bus: ERISA Section 404(c) False Promise of “Sufficient Information”

Posted on June 3, 2014 by investsense

The Supreme Court’s decision in LaRue v. DeWolff, Boberg & Associates(1) in 2008 started a trend recognizing the need for greater protection of participants in defined contribution pension plans. The LaRue decision signaled the long overdue recognition by the judicial … Continue reading →

Posted in ERISA, Investment Advice, Investment Portfolios, Investor Protection, pension plans, Portfolio Construction, portfolio planning, Retirement, Retirement Plan Participants, Retirement Planning, Wealth Management, Wealth Preservation | Tagged , , , , , , , , , , , , , , , , | Leave a comment

Put Up or Shut Up!

Posted on May 2, 2014 by investsense

The Securities and Exchange Commission (SEC) continues to delay action on a proposed universal fiduciary standard that would require anyone providing investment advice to always put a customer’s best interests first. While investment advisers are currently required to put a … Continue reading →

Posted in Fiduciary, Investment Advice, Investment Fraud, Investor Protection, pension plans, Portfolio Construction, Retirement Planning, Wealth Accumulation, Wealth Management, Wealth Preservation | Tagged , , , , , , , , , , , , , , , , | Leave a comment

Wealth Preservation and Those Pesky 401(k)/403(b)/IRA Beneficiary Forms

Posted on March 9, 2014 by investsense

Everybody hates paperwork. So when employees and investors are asked to fill out all the paperwork associated with 401(k) plans and individual retirement plans (IRAs), most people just enter something without giving it  much thought. When I was a compliance … Continue reading →

Posted in Asset Protection, Common Sense, ERISA, Investment Advice, Investment Portfolios, Investor Protection, IRA, Life Advice, pension plans, Retirement, Retirement Distribution Planning, Retirement Plan Participants, Retirement Planning, Wealth Distribution, Wealth Management, Wealth Preservation | Tagged , , , , , , , , , , , , , , , , , , , | Leave a comment

Avoiding Costly “Closet” Index Funds

Posted on February 26, 2014 by investsense

I am a member of the Paladin Registry, a select group of attorneys and investment advisers dedicated to educate investors so that they can better protect themselves against investment fraud and other questionable activity by the investment industry. You can … Continue reading →

Posted in Asset Protection, Investment Advice, Investment Advisors, Investment Fraud, Investment Portfolios, Investor Protection, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Retirement Plan Participants, Retirement Planning, Uncategorized, Wealth Accumulation, Wealth Management, Wealth Preservation | Tagged , , , , , , , , , , , , , , , , , , , , , , | Leave a comment

1 + 1 = 34: The True Impact of Mutual Fund Fees

Posted on February 3, 2014 by investsense

One of the most common mistakes I see investors make is failing to understand the true cost of investment fees. Many investors dismiss an annual management fee of 1 percent as “just” 1 percent. Just as investment returns compound over … Continue reading →

Posted in ERISA, Fiduciary, Investment Advice, Investment Advisors, Investment Portfolios, Investor Protection, pension plans, Portfolio Construction, portfolio planning, Retirement, Wealth Accumulation, Wealth Management, Wealth Preservation | Tagged , , , , , , , , , , , , , , , , , , , , , , , , | Leave a comment

“Hidden” Assets – Potential Liability Implication of the LaRue Decision for Attorneys, Fiduciaries and Their Clients

Posted on November 26, 2013 by investsense

During a recent deposition of an executor, I asked the executor, a bank trust officer, whether the bank had evaluated the defined contribution plan in which the deceased had participated. The trust officer replied that the funds in deceased’s account … Continue reading →

Posted in Asset Protection, ERISA, pension plans, Wealth Management, Wealth Preservation | Tagged , , , , , , , , , , , , , | Leave a comment

Pimento Cheese Sandwiches and Investor Protection

Posted on October 30, 2013 by investsense

Yesterday I was in North Georgia in connection with a possible case. I took the opportunity to have lunch with a high school classmate who now lives in the area. Both the company and the food were excellent, but both … Continue reading →

Posted in Asset Protection, Investment Advice, Investment Advisors, Investment Fraud, Investment Portfolios, Investor Protection, IRA, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Retirement Distribution Planning, Retirement Plan Participants, Retirement Planning, Variable Annuities, Variable Annuity Abuse, Wealth Accumulation, Wealth Management, Wealth Preservation | Tagged , , , , , , , , , , , , , , , , | Leave a comment

The Active Management Value Ratio 2.0 Worksheet

Posted on September 3, 2013 by investsense

I have had a lot of people ask me if could provide a simple worksheet that would allow them to quickly calculate the AMVR. Ask and ye shall receive. I have also provided an example of a completed worksheet. All … Continue reading →

Posted in Asset Protection, Investment Advice, Portfolio Construction, portfolio planning, Retirement, Wealth Accumulation, Wealth Preservation | Tagged , , , , , , , , , , , , , , , , , | Leave a comment

Wealth Preservation Saboteurs

Posted on April 30, 2013 by investsense

“Get what you can and keep what you have; that’s the way to get rich.” Scottish Proverb In a series of earlier posts, I discussed the three planning areas that I believe constitute real wealth management – wealth accumulation, wealth … Continue reading →

Posted in Asset Protection, Investment Fraud, Investment Portfolios, Investor Protection, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Retirement Distribution Planning, Retirement Plan Participants, Retirement Planning, Wealth Accumulation, Wealth Management, Wealth Preservation | Tagged , , , , , , , , , , , , , , | Leave a comment