401(k) Specialist Issue 1 - 2015 - 43

October 2015 Issue
Editorial Preview
* ROLLOVER FEATURE: COVER STORY
Rollover madness-Shock! Recent analysis found 401(k) withdrawals exceed
new contributions for first time. It means the much-anticipated 'rollover wave'
has begun. But retirement plan advisors only have one chance to get it right.
New regulation in the IRA rollover space doesn't make it any easier. So how do
savvy advisors retain assets that are moving out of 401(k)s? How do they grab
new business from inattentive or incompetent competitors?
Reach the
401(k)
ADVISOR
401(k) Specialist magazine and
companion website is the ONLY
print publication, and digital
content source, that is exclusively
dedicated to topics critical to the
401(k) advisor.
Our audience is dialed in to the
401(k) space and areas of interest
that affect their clients every day.
For additional advertising
information and to request
a 401(k) Specialist media kit,
please contact Kelly Gormley at
kgormley@401kspecialistmag.com
or 303-502-2519.
* FIDUCIARY FEATURE
The benefits (yes, benefits) of new regulation-The new regulation mentioned
above doesn't have to be as scary or daunting as some make it out to
be. In fact, there are ways to actually benefit from all the happenings in Washington.
It's counterintuitive, but true. We share how.
* THE 401(k) PRACTICE FEATURE
Technology-What new and cool technology is available to make lives easier
for plan participants, plan sponsors and-of course-plan advisors? We survey
the landscape to find the best tech to keep advisors out of trouble and growing
their business.
* CLIENT ACQUISITION FEATURE
Getting past the gatekeeper-How do you get to the right decision-maker?
It's a perennial topic for retirement plan advisors, one that never goes away.
* INVESTMENTS FEATURE
Exchange-traded funds-It was a revolutionary product when it debuted in
the 1990s, and continues to innovate. ETFs are still the fly to the mutual fund
elephant in terms of assets, but ETFs are experiencing all the growth. They're
increasingly popular in 401(k) brokerage accounts. We'll detail the best.
CE TEST
401(k) Specialist CE Test
401(K) SPECIALIST OFFERS the following quiz for continuing education credit. One CE hour will be awarded for individuals who correctly
score 70 percent of better. The test has been submitted to Certified Financial Planner Board of Standards for review, and passing scores will
be forwarded for credit. To take the test, visit www.401kspecialistmag.com. Contact John Sullivan at jusullivan@401kspecialistmag.com with
questions and concerns.
From " From Hippies to Hard-of-Hearing: 46
Years after Woodstock, Baby Boomers Are
Playing It Safe " (Page 8)
1
According to the 2015 Northwestern
Mutual Planning & Progress Study,
the percentage of Americans aged 50-68
who prefer lower risk and more stable
savings and investments vs. those who
prefer taking calculated risks in the
pursuit of higher returns is:
A. 74/26
B. 79/21
C. 75/25
D. 77/23
75/25/
77/23
23
From " A
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$3,500
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t Savings: Sur erv y " (P
king A
ve
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how much per month to live on when
they retire?
A. $2,200
B. $2,700
C. $3,200
D. $3,500
w uc m ch per month
ti
pllan to r
uch
tire?
From Company Stock and 401(k)s: Don't
Double Down (Page 25)
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From TDF Innovation - The Latest and
Greatest (Page 20)
mTD InTDF nnovationDF In
3
at stest (Pes (Page 20)
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he
orning
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orningst
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test and
inv storsest r a doing
chin
derstandingt
A. Researching new products and services
B. Behaving in a manner that leads to returns
C. Understanding portfolio diversification
D. Monitoring 401(k) investment plan choices
According to MorningstarMorningsta analyst
Laura Pavlenko Lutton, target date
s a doing what very well?
ing n
rding to Morningstarorningsta a
having in a manner that
manner
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m
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ors
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4
According to Morningstar analyst
Jeff Holt, target date fund
innovation in the near-future will focus
heavily on what?
A. Retirement income payout systems
B. Asset-class diversification, in or through,
retirement
C. Hybrid funds
D. All of the above
d services
s
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ot
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should diversify sources of risk across
both financial capital and what?
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B. Specifically,
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oth financithh
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C. Technology
D. None of the above
From " Why the Time is Right For Rollovers "
(Page 27)
6
According to Michael Kitces,
aggregate 401(k) assets in total
seem to have gone into a net decline that
may not what?
A. Be sustained for any length of time
B. Necessarily recover anytime soon
C. Counter-correlate with IRA rollovers
D. Rise again in 2016
nd what
nd what?
ro
omm t' Officia Tar Target-Date Funds
FromFrom " It's Official, Target-Date Funds
" (Page 42)
" It'sIt Offi iOff
O
Outperform
OuO
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EXTRA
Officia Ta Official, T
Official,
Official
" (P
Flows to target-date funds
accounted for what percent, on
average, of the overall net new inflows to
their respective fund
A. More than 20
B. Less than 30
C. More than 23
D. More than 30
y Stock andk
25)
d 401(k)s: Don
David Blanchett cites recent
research that suggests investors
d lanchett ciiteste
ch th
ecent
r
etir
w ng
orkin
ing AAmericans who
y " (Page 11)(Page 11)
Am
e think they will need
e think they will need
to live on when
From " How
(Page 36)
From
( age(Pag
ro
9
aggee 36age 36) 3
Driven by retiring baby boomers,ers,
roughly how much bled from taxdeferred
savings plans in 2013?
A. $11.4 billion
B. $9.2 billion
C. $18 Billion
D. $12.6 billion
en by r tiring baby boomer
roughly how much
pllanspplaans
ed savings
s
A. A $11.4$
billion
B.B $99.2$ billion
C.C $1
$$18 Billion
D. $12.6 billion
ans
mer
rs,
uc bled b fromm taxtax-xns
niin 2013?
om " How to Sharpen Your 401(k) Skills "
" Ho H too Sharpenen Your 401(k)r
Sharpe
Sharp
Shar
Skills ""
D. 77/23
From " Americans Lack Distribution Plans for
Retirement Savings: Sur ey " Pa
7
with
(P
Cerulli Associates finds that rollovers
from 401(K)s to individual retirement
accounts will likely exceed what amount
by 2017.
A. $350 billion
B. $400 billion
C. $425 billion
D. $450 billion
th amed Economist Dr. Richard Thaler "
From " Breaking Bad (Behavior): A Quick Q&A
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regards to behavioral economics?
can ser e as what witwith
regggaarrdddss ttoo havioral econom
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est
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D. Major barrier
at c nd
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conomonom t Dr
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Q ckQ
Quic
Qui k Q&A
allera er
401(k) SPECIALIST OFFERS online quizzes related
to content in this issue for continuing education
credit. One CE hour will be awarded for individuals
who correctly score 70 percent of better. The test
has been submitted to Certified Financial Planner
Board of Standards for review, and passing scores
will be forwarded for credit. To take the test, visit
www.401kspecialistmag.com. Contact John Sullivan
at jsullivan@401kspecialistmag.com with questions
and concerns.
INAUGURAL 2015 | 401kSpecialistmag.com 43
INAUGURAL 2015 | 401kSpecialistmag.com 43
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401(k) Specialist Issue 1 - 2015

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