401(k) Specialist Issue 2 - 2023 - 2

CONTENT
Columns
35 401(k) Client Connection: 401(k)
Business Growth: Understanding
Generational Shifts
Rebecca Hourihan explains why
understanding communication
preferences and content consumption
habits of each generation is essential for
retirement plan advisors.
36 401(k) Brand Management: The Power
of Personal Branding: Differentiate
Yourself and Drive Success
Sheri Fitts explains how personal branding
can be a game-changer for your practice.
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VOLUME 9 - ISSUE 2 2023
Features
14 401(k) FIDUCIARY: DC's Fiduciary Pulse
To help them protect defined contribution retirement plans, independent ERISA
attorneys keep a finger on the pulse of policy developments in Washington, D.C.
20 401(k) BEST PRACTICES: Annuities and Institutional Best Practices: A Good Fit
Could it become a future breach if DC plans don't at least consider them?
24 401(k) PROFILES IN PARTICIPANT OUTCOMES
Case studies celebrating specific steps taken in real-world examples that are improving
participant outcomes include " A Good Plan Gets Better, " illustrating how continued best
practices enhancements help IMT Insurance's 401(k) plan shine, followed by the story
of how CG Financial's Brent Bruggink took over a neglected nonprofit plan and gave it a
substantial revamp.
30 401(k) PRACTICE MANAGEMENT: State-Mandated IRAs Not Crowding Out
Private 401(k)s
Author Ron Surz says plan fiduciaries do not have a clear understanding of the risk
they're choosing on behalf of defaulted participants, so they need to be told.
32 401(k) STRATEGIES: 3 Proposals to 'Fix' Social Security
With Social Security beneficiaries projected to face a 23% cut by 2033, urgency is building
for fixes to extend the troubled program's solvency. Here's a closer look at three potential
solutions being floated over Capitol Hill.
Vol 9, No. 2 ©2023 by 401K Properties, LLC (ISSN: 2379-6405).
All rights reserved. 401(k) Specialist is published three times
per year, by 401K Properties, LLC, 1745 Shea Center Drive,
4th Floor, Highlands Ranch, CO 80129. Reproduction or reuse
of any part of the work is strictly forbidden without written
permission of the publisher.
Departments
3 Editor's Letter
6 401(k) News You Can Use
10 401(k) Fiduciary File
42 401(k) Product Watch
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ISSUE 2 2023 | 401kSpecialist.com
32
37 401(k) Investment Insight: The Final
Frontier in 'Pensionizing' 401(k)
Plans Faces Similar Challenges from
the Industry's Past
Ron Surz says non-oligarchs are taking
the lead in solving the " one-size-fits-all "
problem in TDFs.
38 401(k) Products: The Road Less
Traveled for Retirement Planning:
Cash Balance Pensions
Todd Kading and Chad Rice make the
case for often-overlooked cash balance
plans as a valuable benefit.
40 401(k) Provider Perspective: Cashout
Leakage Alert: Highway Through the
'Danger Zone'
Tom Hawkins explains how new research
highlights a 401(k) cashout leakage
" danger zone " for participants in their 30s.
44 401(k) The Close: I Have Seen the
Enemy and It Is Us?
Advisor Terry Morgan says advisors
overlooking " little " 401(k) participants is
a big problem for the retirement industry.

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401(k) Specialist Issue 2 - 2023

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