Confusion: Do Advisors Really Know the Difference? By John Sullivan | Photography by Patrick Murphy-Racey When it comes to 3(38), 3(21) and 3(16), they'd better. With April's implementation of the fiduciary rule breathing down their necks, these three numbers mean big success-or complete disaster. Troy Tisue, Ary Rosenbaum and other high-profile experts clue us in. ISSUE 4 2016 | 401kSpecialistmag.com 15http://www.401kSpecialistmag.com