Category: Best Practices


Target Date Fund Safe Harbors Attract A Minefield of Imminent Litigation

Fiduciaries generally believe that they are protected from litigation by two safe harbors in their selection of target date funds (TDFs):
1. Properly structured TDFs are Qualified Default Investment Alternatives (QDIAs) under the Pension Protection Act of 2006. Form over substance.
2. There is safety in numbers, so choosing one of the most popular TDF providers is prudent. Fidelity, T. Rowe Price and Vanguard manage 75% of the blossoming TDF market. You can’t go wrong with a brand name. Or ...

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Patent Awarded for Pioneering Safe Glide Path

Target Date Solutions, a leader in target date fund research and design, was awarded a patent today for the methodology in its Safe Landing Glide Path® (SLGP). The SLGP process integrates the tenets of Modern Portfolio Theory with the disciplines of risk management and liability-driven investing.

 CLICK HERE TO VIEW PDF.

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Achieving Profitable Growth

Discipline in financial management is a defining characteristic of a successful independent advisory business. Because it is easy to ignore in the face of the many demands on the financial  advisor/owner, it is also absent in most firms and one of the contributing factors to the
large number of small practices that dominate the industry. The stakes are high when it comes to a firm’s success in careful management of its finances; practices that generate a comfortable profit margin can sustain reinvestment in support of growth ...

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Fiduciary Mistakes

The fiduciaries of a retirement plan have a legal responsibility to manage all aspects of the plan in the best interest of the plan’s participants. This means adhering to four core fiduciary standards, established by ERISA: to act prudently and with loyalty to the plan participant, diversifying plan investments, and carrying out plan duties in accordance with plan documents and all relevant laws and regulations.

Before the issue of fiduciary responsibility can be meaningfully addressed,, each of
these four core fiduciary ...

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