Financial Advisor Kenneth Ford provides independent analysis and comparison of IPX platform for K-12 industry

An Independent Review of the Investment Provider Xchange (IPX) 403(b) Platform

If you are like many school district employees, there is a good chance you are using a 403(b) plan as a supplement to your pension to build a healthier retirement. Many of you probably signed up with a sales rep or agent that came to visit your school offering you their proprietary investment products. Perhaps they bought you lunch in the teacher’s lounge and gave a short presentation about the 403(b) basics. You listened and absorbed as much as you could, but there is a chance that all your other provider options were not fully presented to you.

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Modernizing Non-ERISA Plans in 2023 and Beyond: Part 4

The concept of ‘governance’ could not be timelier. In the non-ERISA world, plan sponsors are charged with managing a plan that they often know very little about, especially within the multi-provider, separate recordkeepers construct. Well-meaning investment providers are often presumed to care more about their bottom line than being trusted as a partner in benefit solutions. That stigma trickles down to boots on the ground advisers…

Modernizing Non-ERISA Plans in 2023 and Beyond: Part 3

A good governance plan simplifies life for all involved by reinforcing the established plan objectives, accurately representing the fiduciary structure, and details the processes and the required documentation. Without good plan governance, these details are often overlooked and can increase the risk for both litigation and liability.