Todd Kading

Stop Trying to Put Recordkeepers Out of Business: Just Sayin’

By Todd Kading | 4/3/2024

There’s a lot of talk about the dangers of fee compression—of the implications of the so-called “race to the bottom.” But are you actually part of the “problem?” One of the most complicated areas of our business is participant recordkeeping. It requires pristine and highly personal data, an... READ MORE

Plan Participants Want It, Why Aren’t You Providing It: Just Sayin’

By Todd Kading | 2/28/2024

If 85% of the market asks for something, you’d better provide it. I know. Common sense, right? And yet, plan sponsors have, year in and year out, ignored what survey after survey of participants say they want. And advisors—most of them, anyway—have been co-conspirators in this avoidance. I’m... READ MORE

Three-Year Track Record: Proof or Impediment? Just Sayin’

By Todd Kading | 1/11/2024

There are common misconceptions that exist in the retirement plan industry. One is investment fund selection being dependent on three-year track records. There is nothing written in any law or regulation that requires such a thing. We contend that this idea can seem rather foolish. Many investment... READ MORE

If at First You Don’t Succeed—The Case for 401(k) Re-enrollment

By Todd Kading | 3/1/2023

You can lead a horse to water, but you can’t make it drink. But when it comes to retirement savings, there is a way—automatic enrollment. And a new plan design is growing in popularity with plan sponsors and advisors—re-enrollment. Automatic enrollment has long been shown to transform the... READ MORE

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Todd Kading

NAPA's 401(k) Rollover Specialist (k)RS Credential

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