401(k) Specialist Issue 1 - 2017 - 4

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Don't forget to check out 401kSpecialistMag.com for more resources, stories, and inspiration. In
fact, every time you see the symbol at left, that means we've got more for you online. You can
also sign up for the 401(k)Specialist e-newsletter to receive updates from the 401(k) community.
SPECIAL ANNOUNCEMENT - Do you want to be published?
It's all about participant outcomes, and we want to know what you're doing.
The shift from accumulation to distribution is officially underway, and it's time to see if
a 30+ year 401(k) experiment is working. It's a critically important topic-one central to
the welfare of the American worker.
401(k) Specialist has a laser-like focus on the topic, and we want
to hear from you.
What are you doing to ensure your participants and clients are achieving
the affordable quality of life of which they've always dreamed? What
methods are you employing in your practice with 401(k) plan sponsors?
We'll feature those that standout each month, with a panel of experts
convened to choose, and celebrate, the absolute best this year.
Please send submissions directly to 401(k) Specialist Editor-in-Chief
John Sullivan at jsullivan@401kSpecialistMag.com.
401(k) practices, RIAs, broker-dealers, products manufacturers, asset
managers and others are welcome to submit on behalf of their advisors.
That's it! We're excited to hear from you!
CLIENT ACQUISITION
Top 10 Best (And Worst) States to Retire
We love our Hawkeye friends, but Iowa at No. 4 on the list of best states to retire? Come ON. But
when you take affordability, quality of life and healthcare into account, it ranks where it should for
retirement.
WalletHub is out with its list of the best and worst states for retirement, and while there were some
surprises (Delaware, Wisconsin) and some expected (Rhode Island at dead last, thanks to taxes), all
were interesting in their own way.
Weather, number of museums, golf courses-there seemed to be some outdated stereotypes in the
methodology-were all included in the calculations.
" Even in the most affordable areas of the U.S., most retirees cannot rely on Social Security or pension
checks alone to cover all of their living expenses, " according to the site. " Social Security benefits
increase progressively with local inflation, but they replace only about 40 percent of the amount you
earned if you were an average worker. "
Head to 401kspecialistmag.com for the full results.
THE 401(k) PRACTICE
What 401(k) Advisors Get Wrong In Participant Engagement and Success
Savvy 401(k) advisors know the importance of talking about the three Fs: funds, fiduciary and
fees. These three interrelated topics should be front-and-center in client meetings, your website
and social media.
But if everyone is talking about the three Fs, how can advisors differentiate themselves? If advisor
conversations, especially with clients, revolve only around the three Fs, what added value
does an advisor bring?
The answer lies in moving up the alphabet to the two Es: engagement and education.
4
ISSUE 1 2017 | 401kSpecialistmag.com
A 401K Properties, LLC Publication
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Amy Hamm -
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ahamm@401kspecialistmag.com
303-502-2520
John Sullivan - Editor-in-Chief
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MARKETING/DESIGN/PRODUCTION:
Brian Gilbert - Creative Director
Ashley Gonzales - Director of Digital
Marketing/Circulation
CONTRIBUTING WRITERS
Lynn Brackpool Giles, Mike Byrnes,
Nathan Boxx, Mario Giganti,
David Haviland, Thomas Hawkins,
Ary Rosenbaum, Marcia Wagner
ADVISORY BOARD MEMBERS
Roger Levy, Cambridge Fiduciary Services
Ann Schleck, Ann Schleck & Co.
Skip Schweiss, TD Ameritrade Institutional
Bill Thomas, ActiveETF Partners, LLC.
Bud Verfaillie, Victory Fiduciary Consulting
Ashley Verfaillie-Rosser, Victory Asset Management
Victory Fiduciary Consulting
Don Trone, Founder and CEO, 3ethos
OUR MISSION
401(k) Specialist is exclusively dedicated to
equipping retirement plan advisors with the
vision, specialized knowledge and cutting-edge
technology that are vital to their success in
a dynamic marketplace, in order to ensure
a secure retirement for hardworking
Americans through the 401(k).
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401(k) Specialist Issue 1 - 2017

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