Adaptability Archives - 401k Plan Optimization, Compliance, Investment & Partners

The Retirement Years No One Plans For

By Fred Barstein / 401(k) Managed Accounts, 401(k) Plan Management, 401k plan, accumulation, Adaptability, CEO Engagement, Communication, Compensation, Emergency Savings, Fiduciary, Financial Wellness, generational gap in retirement planning, Independence planning, Medicaid, multi-generational workforce, Retirement planning, retirement security, Retirement System, social security

The retirement planning industry was built for a population that retired at 65 and died at 75. That population is gone. By 2030, every baby...

Want to Be a Millionaire? A Fresh Approach to Retirement Savings

By Fred Barstein / 401(k) Plan Management, 401k plan, Adaptability, adult learning, benefit education, benefits committee, Communication, Confidence, DC plans, debt relief, Employee Survey, Employee training, evolving and adapting, financial wellness, Independence planning, innovation, Millennial saving, Millennials Delaying Milestones, Modernize Retirement Plans, multi-generational workforce, Retirement Readiness, Retirement Savings Concern, Student Loan Benefits, student loan debt

One of the biggest challenges facing retirement plan sponsors today is helping younger employees connect with the idea of saving for a future that feels...

Financial Literacy Drops to 10-Year Low as Gen Z Struggles Most

By Fred Barstein / 401(k) Plan Management, Adaptability, AI for Retirement, Authenticity, benefit education, Changing dynamics, Communication, Confidence, DC Plan Sponsors, education, Employee engagement, Employee feedback, Employee training, Fiduciary, Fiduciary Liability, financial literacy, financial stress management, Financial Wellness, Gen X, generational gap in retirement planning, Retirement Readiness

Americans’ financial literacy has fallen to its lowest level since tracking began a decade ago, with younger workers and women showing the widest gaps—and a...

Financial Stress Is Reshaping Employee Benefits & Retirement Saving

By Fred Barstein / Adaptability, benefit education, DC Plan Sponsors, DC plans, Employee Benefits, Employee engagement, Employee happiness, Fiduciary, financial stress management, Financial Wellness, Health & Wellness, Investments, retirement committee, Retirement Income, Retirement plan management, Retirement Plan Participation, Retirement Readiness

Financial Stress Employee Benefits Retirement Saving

More employees are feeling financially overwhelmed — and ironically, many are responding by cutting back on the very workplace benefits designed to help them long...

Six Plan Governance Blind Spots and How to Fix Them

By Fred Barstein / 401(k) Plan Management, 401k plan, 401k Trends, Adaptability, Audit, Benchmarking & Fees (ERISA, retirement plan), Benchmarking Fees, benefits committee, Compliance, Cyber Security, DC Plan Sponsors, erisa, ERISA Advisory Council, fee lawsuits, Fiduciary, Fiduciary Liability, Financial Advisors, investment, Legislation, participation, Plan governance

Running a retirement plan involves a lot of moving pieces—service providers, investment options, fees, compliance requirements—and it’s easy for fiduciaries to get so deep into...

The 401(k) Revolution Is Underway

By Fred Barstein / 401(k) advisor trust, 401k Advisor, 401k Trends, Adaptability, AI for Retirement, artificial intelligence, benefits committee, collaboration, DC Plan Sponsors, Economy, fee transparency, Fiduciary, Fiduciary Liability, Financial Advice, Financial Stress, financial stress management, Financial Wellness, funds, Future Self, investment, Retirement plan management, Retirement planning, retirement security

The defined contribution (DC) world—especially 401(k) and 403(b) plans—is no longer the quiet, complex corner of finance it once was. What used to be a...

AI and Convergence Are Reshaping the TPA Landscape

By Fred Barstein / 401(k) Plan Management, Adaptability, AI, AI for Retirement, Changing dynamics, Communication, Convergence & Advisor M&A, DC Plan Sponsors, Digital Tools, Financial Wellness, TPA Landscape

As the pace of change in the 401(k) industry accelerates—driven by artificial intelligence and the growing convergence of wealth and retirement—pressure is mounting across the...

Wealth Advisors Are Coming for the 401(k) Market

By Fred Barstein / 401(k) Plan Management, acquisition, Adaptability, Client connection, Communication, competition, Conflict of Interest, Convergence, DC Plan Sponsors, Economy, Fiduciary, Financial Advice, Financial Advisors, financial stress management, Financial Wellness, Financial Wellness, Hybrid Advisors, Retirement Plan Advisor, Wealth Advisor

Retirement plan advisors (RPAs) and recordkeepers have a real challenge on their hands: wealth advisors are coming for their turf. And honestly, it’s not hard...

Creativity Drives Clarity in Advisor–Plan Sponsor Relationships

By Fred Barstein / 401(k) advisor trust, 401(k) Plan Management, 401k Advisor, Adaptability, Authenticity, Client connection, collaboration, Communication, DC Plan Sponsors, Employee Benefits, Financial Advisors, Financial Wellness, Financial Wellness, financial wellness programs, Gamification Retirement Planning, Retirement Advisory

Creativity is increasingly essential in the relationship between retirement plan advisors and plan sponsors because effective communication is no longer one-size-fits-all. Advisors who can translate...

How Advisor Engagement Drives Higher Retirement Plan Participation

By Fred Barstein / 401(k) advisor trust, 401(k) Plan Management, 401k Advisor, Adaptability, benefit education, collaboration, Communication, DC plans, education, Employee Benefits, Employee happiness, Employee training, Fiduciary, Financial Wellness, participation, Plan Participation, Retirement Readiness, virtual learning, Virtual Meeting

Working with a retirement plan advisor to increase participation is one of the most effective ways to strengthen an organization’s benefits strategy and improve long-term...

Want to Be a Millionaire? A Fresh Approach to Retirement Savings

Financial Literacy Drops to 10-Year Low as Gen Z Struggles Most

Financial Stress Is Reshaping Employee Benefits & Retirement Saving

The 401(k) Revolution Is Underway

AI and Convergence Are Reshaping the TPA Landscape

Wealth Advisors Are Coming for the 401(k) Market

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