Spotlights

Thought-provoking topics & themes influencing today's financial decisions

The Evolutionary Fiduciary

THE NEW REALITY

The Department of Labor’s Fiduciary Rule faces an uncertain future, but best practices in retirement planning and financial advising continue to evolve

Shelby George, JD, CEBS breaks down how the rule has impacted the marketplace, the three main influencers shaping fiduciary risk, and offers advice on how best to compete in this new environment.

Shelby George, JD, CEBS, discusses the changes to the fiduciary landscape

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The Evolutionary Fiduciary explores the changing risks facing fiduciaries and the influencers that are shaping investors expectations.


THE INFLUENCERS

The Markets

Investors' best interests begin and end with their financial goals. Changing economic environments create significant challenges for today’s retirees that were not a concern for the last generation of retirees.

The Regulators

Financial institutions must adapt as the new DOL leadership determines the future of the fiduciary rule. Meanwhile, investors’ growing awareness creates a new opportunity for advisors to articulate their value.

The Litigators

No secret formula can guarantee that a plan and its fiduciaries will not be sued and fiduciaries should not make decisions in fear of a lawsuit lurking around the corner. That said, the allegations can provide fiduciaries valuable lessons, old and new alike.


THE NEED FOR PROCESS

The Department of Labor’s (DOL) new Conflict of Interest rule is delayed and its future is a subject of great debate. Despite the uncertainty, plan sponsors and investors are increasingly engaged and judicious in their search for investment advice. Expectations for fiduciaries to demonstrate that their advice in their clients’ best interest is higher than ever. The challenging demands create an opportunity for fiduciaries to establish a process for every independent fiduciary decision—and document that all advice given was provided with the client’s unique interests in mind.

THE NEED FOR PROCESS

The Department of Labor’s (DOL) new Conflict of Interest rule is delayed and its future is a subject of great debate. Despite the uncertainty, plan sponsors and investors are increasingly engaged and judicious in their search for investment advice. Expectations for fiduciaries to demonstrate that their advice in their clients’ best interest is higher than ever. The challenging demands create an opportunity for fiduciaries to establish a process for every independent fiduciary decision—and document that all advice given was provided with the client’s unique interests in mind.


THE TOOLS YOU NEED

Our Fiduciary Handbooks can help fiduciaries better understand their responsibilities and how to actively manage fiduciary risk with a detailed decision-making process.

Download The IRA Advisors Fiduciary Handbook

Download now

Download The Plan Sponsors Fiduciary Handbook

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The information presented is not intended as legal or tax advice.


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