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401(k) Fridays Podcast

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The 401(k) Fridays podcast offers companies of all sizes free strategic, educational and actionable content to improve their retirement plans. My name is Rick Unser and I am your host. All episodes leverage my nearly two decades of experience working with employers to bring you candid interviews with industry experts, new best practices and valuable perspectives on current events. To learn more, please visit www.401kfridays.com

The 401(k) Fridays podcast offers companies of all sizes free strategic, educational and actionable content to improve their retirement plans. My name is Rick Unser and I am your host. All episodes leverage my nearly two decades of experience working with employers to bring you candid interviews with industry experts, new best practices and valuable perspectives on current events. To learn more, please visit www.401kfridays.com
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United States

Description:

The 401(k) Fridays podcast offers companies of all sizes free strategic, educational and actionable content to improve their retirement plans. My name is Rick Unser and I am your host. All episodes leverage my nearly two decades of experience working with employers to bring you candid interviews with industry experts, new best practices and valuable perspectives on current events. To learn more, please visit www.401kfridays.com

Language:

English


Episodes

ESG Investments: Should They Have A Place In 401(k) Investment Menus?

9/14/2018
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This episode is a perfect example of one where I get to use the podcast as my own research lab and learn right along side of you. Environmental, Social & Governance investments, or ESG or is it ES&G strategies, is a new topic here on the podcast and one that i have been looking forward to exploring. Their popularity seems to have ebbed and flowed in the 401(k) investment world, but as a strategy it is defiantly here to stay. My guest, Sean Kenney, A CFA and Managing Director for MFS...

Duration:00:51:21

How To Reset The HSA Plan Conversation With Your Employees

9/7/2018
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Guest Bio Kevin Murphy is a senior vice president and Head of the Defined Contribution Strategic Accounts team for Franklin Templeton's US Investment-Only division. He is responsible for directing and expanding sales of mutual funds and sub-advised portfolio products in employer-sponsored retirement plans. In addition to leading the team of Strategic Account Managers, his primary focus is on mid-market advisory firms with a national footprint, and serves as the primary liaison with these...

Duration:00:59:46

Become An Employer of Choice With Financial Wellness: Three High Value, But Low Cost Impactful Strategies

8/24/2018
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We have talked about financial wellness on the podcast before, but not like this. My conversation today with Bill Harmon, President of Retirement Corporate Markets for Voya Financial illustrates how a thoughtful approach to financial wellness can help you become the employer of choice in your market and make a meaningful difference in the battle to attract and retain key talent. As you will hear, Bill shares a very personal and emotional story about how he found comfort in leaving his prior...

Duration:00:53:08

Phyllis Borzi: Lessons From Eight Years At The DOL & Forecasting The Future of Retirement Plans

8/17/2018
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This episode was a real treat for me and hopefully will be for you. I am excited share my conversation with The Honorable Phyllis Borzi, the former Assistant Secretary of Labor for the Employee Benefits Security Administration under President Obama. We covered a range of topics that regardless of your involvement with workplace retirement plans should keep your interest. I am also proud that while we talked about her time at the DOL, the majority of our focus was looking forward and...

Duration:01:33:20

Avoid These Five Common 401(k) Fiduciary Fumbles

8/10/2018
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Maybe I'm a little early with the football analogy, but it seemed to fit. Today, we welcome back Tom Clark, an ERISA Attorney and Partner at The Wagner Law Group as we discuss five 401(k) fiduciary fumbles we see plan sponsors make. As a return guest who I have gotten to know pretty well, we have a little fun and share some insight along the way. Whether it is clarifying the importance of fiduciary analysis vs. process, mistakes to avoid when "outsourcing" fiduciary responsibility, or the...

Duration:01:01:34

401(k) Ch-Ch-Changes in 2019: What to Know about Recent Tax Reform, Plan Design, and Financial Wellness

8/3/2018
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Welcome back to new episodes of the 401(k) Fridays Podcast! After taking a little hiatus in July I am really excited about what we have in store for the remained of the year. Also, during our little break I updated the podcast intro, if you skipped it go back and give it a quick listen. We also updated the website, thank you Jonah and Annie at Puddlecreative. Go to 401kfridays.com and check that out, and while you are there don’t forget to subscribe to our email list. All done with...

Duration:01:09:11

Summer Hiatus - Frustrated By Complex 401(k) Plan Terms? We'll Clarify If They Are Jargon, Gibberish or Jumbled!

6/29/2018
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We are taking a brief summer hiatus. Enjoy this episode from the archives. New episodes will resume again in August. Enjoy! This episode is fresh out of the 401(k) Fridays Podcast experiment lab. Today my guest JD Carlson, the President & CEO of the legendary Third Party Administration firm Plan Design Consultants and Host of the Retireholi(k)s show we poke a little bit of fun with 401(k) speak. Each of us took the time to prepare a few statements that are full of retirement plan terms, or...

Duration:01:04:31

Surveying Employer 401(k) Plan Attitudes & Decisions

6/22/2018
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Employers consistently want to know what other employers are doing in their 401(k) plan. In this episode we drill into the decisions employers are making about plan design, investment options, fiduciary process and employee retirement outcomes. The heavy lifting is done by Derek Wallen, a SVP at Fidelity and architect of their annual Plan Sponsor Attitudes Survey. Derek does a nice job highlighting the key finds of this years survey which is hot off the presses and comparing result to prior...

Duration:00:52:01

Where Does Your 401(k) Fit In Benefits Open Enrollment?

6/15/2018
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Its getting to be that time of year again, no not that time of year, its time to plan for benefits open enrollment. Over the last several years all the changes and activity in health plans has grabbed the headlines and the lions share of the focus of employee meetings. This year, and going forward where does the 401(k) plan fit? To shed some light on this I am happy to have Peg Knox who today is the Chief Operating Officer (COO) of DCIIA. But not so long ago she was the global retirement...

Duration:00:56:37

What If You Are A Good Fiduciary With Bad Governance?

6/8/2018
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There has been vast improvement by retirement plan fiduciaries when it comes to reviewing fees and investments. We even see more retirement plan committee who check the box on other important fiduciary tasks. But does that mean they have a good governance process? With that said, what is fiduciary governance, what does good governance look like and can you be a top notch fiduciary but leave yourself exposed to risk with poor governance? We tackle this and more today in my conversation...

Duration:00:57:04

Workplace Financial Wellness: All Systems Go Or Failure To Launch?

6/1/2018
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Believe it or not, but it has been over six months since we have tackled about financial wellness on the podcast. Today, Chris Whitlow, the Founder & CEO of Edukate, address the red hot topic. In our conversation today we tackle an interesting thought on financial wellness, despite nearly everyone talking about it, are employers actually embracing it? We share some thoughts on that along with four steps to start an effective financial wellness program, if financial wellness is a product or...

Duration:00:58:12

Target Date Funds & 401(k) Plans: Morningstar Research on Tactics, Trends & One Trillion

5/25/2018
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In case you hadn’t noticed, Target Date Funds (TDFs) are kind of a big deal in workplace retirement plans. My guest, Jeff Holt, a Director of Multiasset Strategies at Morningstar and one of the authors of their 10th annual Target Date Landscape report cites their use as default funds in retirement plans as one of the key reasons they hit $1 Trillion dollars in assets in 2017. During our conversation today, we discuss the significance of that accomplishment and hit a few other highlights...

Duration:00:53:32

Why Your 401(k) Isn’t Free: The Cost of Protection, Innovation & Trains Running on Time

5/18/2018
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With the continued focus on fees in workplace retirement plans I thought it might be good to pivot the conversation and tackle some of the realities around the what actually goes into running a successful and compliant plan. To add some muscle to the conversation I have Ed Murphy, President of Empower Retirement. Ed and his team are responsible for over 30,000 of thousands of retirement plans and over 8 million participants. Our conversation ranges from what it takes to keep the...

Duration:01:02:41

The Fiduciary Rule Wipeout: Fred Reish Shares What Happens & What's Next

5/11/2018
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The DOL Fiduciary Rule died, or did it? Maybe its coming back to life in another form, through another government agency or even the states will take a crack at it. What should employers know? How will this impact employees? In this timely and action packed episode I am excited to have Fred Reish, ERISA Attorney extraordinaire with Drinker Biddle and the closest follower I know of the long and winding path of the fiduciary rule. For many, Fred requires no introduction. If you are not...

Duration:01:01:00

Is Your Retirement Plan Calculator Correctly Calculating Your Retirement?

5/4/2018
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With so much focus on employee engagement and financial wellness, what happens when you actually get your employees attention and they use the tools they are provided to help calculate what they need to do to have a successful retirement, and they are given bad information? My guest today, Tom Kmak, CEO of Fiduciary Benchmarks has thought a great deal about it, so much so that I think he even admitted talking to retirement calculators, but in all seriousness he has some timely input and food...

Duration:00:48:45

Target Date Funds & Managed Account In 401(k) Plans: Go Together Like Oil & Water or Peanut Butter & Jelly?

4/27/2018
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My conversation with Lynn Avitabile, Managing Director in the the Multi-Asset Group of J.P Morgan Asset Management and Wei Hu, Vice President of Financial Research at Financial Engines really cleared some things up for me on the role of Target Date Funds and Managed Accounts in workplace retirement plans. We have talked about Target Date Funds several times on the podcast, but Managed Accounts not so much. As we are accustomed to doing we start with some definitions of terms and then...

Duration:01:07:46

Top Ten Workplace Retirement Plan Administration Mistakes: What They Are, Why They Happen & How To Fix Them!

4/20/2018
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Unfortunately, mistakes are made when running workplace retirement plans. My guest, Marcia Wagner, the founder of The Wagner Law Group brings her over thirty years of experience working on ERISA matters to the podcast today and shares her list of the top 10 mistakes she sees retirement plan sponsors make. For a little background, Marcia is perennially listed as one of the most influential people in the retirement industry, is frequently quoted in the Wall Street Journal and other...

Duration:01:07:05

Are You Playing Too Much 401(k) Fiduciary Defense? How To Tell And Why It's Time To Play Offense!

4/13/2018
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The inspiration for this episode came from a request for proposal I received recently from a company in my day job as a workplace retirement plan consultant After giving it a quick read through, my initial reaction was wow, this company is in a fiduciary defensive shell. Their entire focus was on managing and limiting their fiduciary liability. I guess if you consider the lawsuits and fiduciary messaging I can understand their positioning. So, that got me thinking, should workplace...

Duration:01:04:51

The Workplace Retirement Plan Coverage Conundrum: The Challenge, Perspectives & Opportunities

4/6/2018
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Today we take a little detour from talking about the usual 401(k) or workplace retirement plan topics and focus on the challenge for many people around the country who are gainfully employed but don’t have access to a retirement plan at work. Personally, when I first heard some of the stats we discuss today they were surprising to me. I have two guests which both shared great perspective today, Lisa Massena, the Executive Director of OregonSaves the first state retirement plan to go live...

Duration:01:08:36

Frustrated By Complex 401(k) Plan Terms? We'll Clarify If They Are Jargon, Gibberish or Jumbled!

3/30/2018
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This episode is fresh out of the 401(k) Fridays Podcast experiment lab. Today my guest JD Carlson, the President & CEO of the legendary Third Party Administration firm Plan Design Consultants and Host of the Retireholi(k)s show we poke a little bit of fun with 401(k) speak. Each of us took the time to prepare a few statements that are full of retirement plan terms, or maybe not, and then put the other person on the spot to determine if the statement is Jargon, Gibberish, or Jumbled. We had a...

Duration:01:04:31