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Managing Your Practice

Model Retirement Savings Plan Participant Disclosure Form

This SEC- and FINRA-sanctioned form allows for clear disclosure to 403(b) participants of products, services, fees and compensation.

National Brand, Local Identity

PlanMember and Schwab offer different takes on differentiating yourself from the competition. Steven Sullivan breaks down both perspectives.

Finding Opportunities in 457(b) Plans

Kristi Cook discusses how 403(b) advisors can branch out into 457(b) plans with relative ease, and explains how the knowledge bases overlap heavily.

Positioning Your Practice for the Future

403(b) regulations are always at risk of changing with a new administration or state legislature; Brad Corbin examines the best ways that advisors can structure their business to be secure no matter which way the political winds shift.

The Consequences of Consolidation

Brian Graff, CEO of ASPPA, writes about how efforts by some state legislatures to consolidate 403(b) plan advising will imperil the quality of plans that employers and their staff can choose from, while robbing them of personal choice.

Making the Most of Seminars in the 403(b) Market

George Webber breaks down his most effective tools for improving your seminar-hosting skills and, in turn, growing your business.

16 Best Practice Tips: Ignore Them at Your Own Risk

Jim Phillips has created a very helpful list of high-level techniques that will limit the risk exposure of your 403(b) plans and also increase your authority when it comes to recruiting and retaining clients.

Don’t Be Boring in the Boardroom, Make Effective Sales Presentations

Plan advisors aren’t just managers, they’re salespeople. Gary Demoss explains how you can improve your pitches and presentations to groups of somewhere between three and 15 people.

Heir Tight: Who Owns Your Business When You Die or Retire?

Richard Ford explores the elephant in the advisors’ room: who is going to look after your retirement business when it’s your time to hang it up?

From K-12 to the Nonprofit ERISA 403(b) Market: Passport Required

As with many things in life, change in the 403(b) marketplace can be hard to process.  Michael Webb has a number of tips for how advisors can change their plans and their business approach to fit into the new ERISA-plan market.

The Pension Underfunding Threat

403(b) advisors don’t have power to save underfunded state plans, but it is crucial that they know whether teachers can rely on the plans they’re promoting.  Steven Sullivan has a breakdown of the states that have the most trouble when it comes to funding outstanding pension obligations.

Conversion Communication in a Commoditized World

Sarah Simoneaux tries to cut through all the confusion and show advisors how they can best navigate their clients through the murky waters of the plan-conversion process.

The Doctor Is In: Checking the Vital Signs of Your Client Relationships

Andrew Sobel writes about the importance of making sure that you always keep an open line of communication with your clients, or they could be gone before you know it.

Am I a Fiduciary? Well, That Depends…

Michael Webb and Cammack LaRhette break down the caveats and exceptions in the IRS’ current definition of what a fiduciary is, depending on which kind of non-profit clients you represent.

Defining fiduciary roles in an ERISA retirement plan

Diane Capone discusses the definitions of fiduciary for various ERISA plan advisors, and what their responsibilities are.

The Professional and Ethical View: (b) the Best

Sheldon H. Smith examines exactly what “professional and ethical standards” are, and how advisors can hold themselves to the highest of both.

Loans, Loans Everywhere

Michael Webb, the Vice President of the Cammack Retirement Group, discusses the increasing problem of excess loan utilization, and what plan sponsors can do to solve these issues for the clients who have had to borrow more times than they ideally should. Published with permission from Michael Webb.

403(b) Tax-Sheltered Annuity for Participant

The Internal Revenue Service published this white paper to help plan participants avoid unnecessary taxes and penalties, while maximizing their benefits and staying on the right side of the law.