Podcasts about erisa

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.Welcome to Season 5, Episode 28 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Disability and Disputed Illnesses: Navigating Claims Without Full Medical Recognition."Some medical conditions cause symptoms so real and severe that they disrupt daily life, yet remain disputed or only partly recognized by mainstream medicine. For patients, it is not just a fight to be believed, it is also a fight to secure the disability benefits they need. With ERISA-governed Long-Term Disability insurance, the challenges are even greater. In this episode of Winning Isn't Easy, disability law expert Nancy L. Cavey examines one of the most difficult areas of disability claims: conditions the medical community has not fully accepted. From chronic Lyme disease, fibromyalgia, and chronic fatigue syndrome to mental health diagnoses such as dissociative identity disorder, adult ADHD, and PTSD outside of combat, Nancy explains why these claims are often denied and what you can do about it. You will learn how insurers view subjective symptoms like pain, fatigue, and cognitive fog, why strong documentation and physician support matter, and the strategies that can help prove the impact of these conditions on your ability to work. Nancy also shares a real case example that shows how persistence and preparation can turn the tide. If you are living with a condition the medical world questions but your symptoms are real, this episode will give you the tools to fight for the benefits you deserve. Winning is not easy, but with the right strategy, it is possible.In this episode, we'll cover the following topics:One - Disputed Physical ConditionsTwo - Disputed Mental ConditionsThree - Multiple Chemical Sensitivity (MCS)Whether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals. 

President Trump's new executive order could reshape retirement savings. For the first time, 401(k) plans may allow real estate investing, along with other alternative assets like private equity and crypto. In this episode of Real Estate News for Investors, Kathy Fettke breaks down what the rule change means for retirement savers, why real estate has been off-limits in 401(k)s until now, and what risks and opportunities could lie ahead. We'll also cover how ERISA rules, fiduciary responsibilities, and SEC guidance play into the decision, and what investors should watch for as retirement plans evolve. If you've ever wondered whether you can use a 401(k) to invest directly in real estate, this episode explains the potential changes—and why they matter for your financial future. LINKS: JOIN RealWealth® FOR FREE https://realwealth.com/join-step-1  FOLLOW OUR PODCASTS Real Wealth Show: Real Estate Investing Podcast https://link.chtbl.com/RWS SOURCE:  https://www.whitehouse.gov/fact-sheets/2025/08/fact-sheet-president-donald-j-trump-democratizes-access-to-alternative-assets-for-401k-investors/

Today I am speaking with Dave Chase from Health Rosetta, and I'm asking Dave Chase three inferno-level burning questions—questions that, across the country, many self-insured employers are trying to find the answers to. For a full transcript of this episode, click here. If you enjoy this podcast, be sure to subscribe to the free weekly newsletter to be a member of the Relentless Tribe. Now, an important underlying point that comes across loud and clear but remains unsaid, actually, in the conversation that follows is this: There are amazing brokers and EBCs (employee benefit consultants) and benefits advisors or TPAs (third-party administrators) who put their clients first and have the receipts (ie, they have data and they're willing to share it to prove this). And then there are those with the exact same titles, often enough, who are very much the opposite of this but super charming, I'm sure. I mean, it'd be a stretch to assume that the same roles don't apply to brokers or EBCs that apply for titles like hospital administrators where there's great ones and really not great ones; but everybody often gets lumped into the same category or even the term hospitals. Each of these terms is a broad stroke and contains multitudes. And do listen to the bonus clip from two weeks ago with Jonathan Baran for just more on this point. We dig into it for like 10 minutes or something. I also talk about this same concept in an upcoming episode with Mick Connors, MD. So, keep that underlying and unsaid theme in mind because a lot of these questions do boil down to, How do you figure out who's on the up-and-up and who's not? And if you need an example of the latter category, listen to the show with Ann Lewandowski (EP476) about the whistleblower lawsuit or the show with AJ Loiacono (EP379) about the myriad of brokers taking $7 or $14 per script written payable by the PBM (pharmacy benefit manager) and not reported on, as far as I know. This is very much still going on today, by the way, despite the CAA (Consolidated Appropriations Act) and the 5500 forms. Alright, so, first burning question, Question 1: After seeing J&J (Johnson & Johnson) and Wells Fargo sued for fiduciary breaches, what specific questions do I need to ask my benefits advisor to prove that my benefits advisor actually protects my interests? Okay, paraphrased, this question is employers trying to figure out what they can ask or how they can figure out if their benefits advisor or broker or employee benefit consultant is really as trustworthy as they'd like you to believe they are. There's been a whole bunch of shows that circle up on this. The thing is, though, the stakes are very, very high right now. So, yeah, I can see why this is turning into a burning question for anyone worried they might get sued personally unless they can figure out how to vet, for real in writing, who their broker, EBC, or advisor serves actually at the end of the day. Question 2 that I ask Dave Chase, and I'm not giving you the answers to these questions. You gotta listen to the show. But here's the second question I ask: How do I avoid personal liability when my TPA contract has hidden conflicts that could trigger an ERISA (Employee Retirement Income Security Act) lawsuit? Kind of a continuation of Question 1, but yeah, you can tell that self-insured employer teams are really digging in here and many, many are very aware of, first of all, the extent and depth of middle people doing things like, again, allegedly taking $20 million of employer clients' money and funding their executive bonus pool. So, yeah, definitely this is another doozy of a burning question. Also on these same topics, listen to the show with Justin Leader (EP433) and also the one with Cynthia Fisher (EP457) about spread pricing. Question 3 that I ask Dave Chase: My pharmacy costs keep climbing despite PBM guarantees. How do I tell if I am being systematically overcharged? Well, if your consultants are taking your rebates to fund their executive bonus pools, as I just mentioned there's a whole show about with Ann Lewandowski, or if they're taking $7 a script for every script that gets written for your members, which, yeah, that's afoot. I've seen the contracts and the cease and desists currently flying around our industry about that one. Or read that Osceola County lawsuit against their longtime brokers. Bottom line and end of this intro, informed employer teams are, for sure, wondering these questions. But even more than just wondering, what these questions signify to me, kind of at the macro level, they're realizing the danger of kind of sitting on that knowledge or just assuming that because everybody else is doing whatever, it's somehow safe—though status quo is getting kind of more and more dicey every single day. As some additional foreshadowing, this show finishes up with Dave Chase talking about the open-source resources that are available so that you too can create a high-performance health plan where members get higher-quality healthcare and, as Dave Chase says, the cost savings for free. There are links to many things that you can get from Health Rosetta and their sister company, Nautilus. Again, all the stuff is for free. Go to nautilushealth.org. That's their main Web site. Dave Chase, who has been on this podcast—I think this is his third time, although it has been a while—Dave Chase is co-founder and CEO of Health Rosetta. Also mentioned in this episode are Health Rosetta; Jonathan Baran; Mick Connors, MD; Ann Lewandowski; AJ Loiacono; Chris Deacon; VerSan Consulting; Justin Leader; Cynthia Fisher; Nautilus; Andreas Mang; Blackstone; Jon Camire; Claire Brockbank; Elizabeth Mitchell; Scott Haas; Paul Holmes; Chris Crawford; Luke Slindee, PharmD; Mark Cuban; Marilyn Bartlett, CPA, CGMA, CMA, CFM; Leah Binder; and Dawn Cornelis.   You can learn more at Health Rosetta and follow Dave on LinkedIn.   Dave Chase is on a mission to restore hope, health, and economic well-being to communities through healthcare transformation. As creator of the community-owned health plan (COHP) model, he is building a nationwide movement that turns health plans from drivers of wage stagnation into vessels for well-being and wealth creation. As founder of Health Rosetta, Dave has helped transform healthcare for thousands of employers covering more than five million Americans. What began with identifying just five successful health plans nationwide has grown into a movement with thousands of sustainable successes that deliver superior care at 20% to 50% lower costs. In 2024, his team launched Nautilus Health Institute, catalyzed with $4 million in Health Rosetta intellectual property and investment. Nautilus provides open-source standards, contracting templates, and technology infrastructure (including METL, an open-source healthcare data platform) that establish new market norms benefiting employers, clinicians, and communities. Dave's work in healthcare transformation has reached over 10 million people through best-selling books (The CEO's Guide to Restoring the American Dream, The Opioid Crisis Wake-up Call, Relocalizing Health), media, TED Talks, and TV/film appearances. He has received the World Health Care Congress's Lifetime Achievement Award for Health Benefits Innovation. Dave is dedicated to transforming healthcare through transparency, community ownership, and proven solutions that restore the American Dream.   06:36 What questions does a plan sponsor need to ask their consultant, EBC, or broker to ensure they are protecting the interest of the plan sponsor? 07:59 EP478 with Andreas Mang and Jon Camire. 08:49 EP453 with Claire Brockbank. 09:51 EP433 with Justin Leader. 09:53 EP436 with Elizabeth Mitchell. 11:03 How can plan sponsors avoid personal liability when their TPA has hidden conflicts of interest? 11:40 Tiara Yachts v. Blue Cross Blue Shield of Michigan lawsuit. 13:48 EP483 (Part 1) with Jonathan Baran. 14:18 EP457 with Cynthia Fisher. 16:18 The Marshall-Hickenlooper bill called the Price Tags Act. 16:50 Summer Short with Elizabeth Mitchell. 17:36 How do plan sponsors figure out if they are being overcharged for pharmacy benefits? 18:09 EP365 with Scott Haas. 20:18 EP397 with Paul Holmes. 20:22 EP465 with Chris Crawford. 20:37 EP429 with Luke Slindee, PharmD. 22:56 EP476 with Ann Lewandowski. 28:38 Where to find open-source resources to help guide plan sponsors with making better health plan decisions. 29:47 How the open-source trend is growing for health transparency. 30:48 What to look forward to at RosettaFest.   You can learn more at Health Rosetta and follow Dave on LinkedIn.   @chasedave discusses questions #plansponsors need to ask on our #healthcarepodcast. #healthcare #podcast #financialhealth #patientoutcomes #primarycare #digitalhealth #healthcareleadership #healthcaretransformation #healthcareinnovation   Recent past interviews: Click a guest's name for their latest RHV episode! Jonathan Baran (Part 2), Jonathan Baran (Part 1), Jonathan Baran (Bonus Episode), Dr Stan Schwartz (Summer Shorts), Preston Alexander, Dr Tom X Lee (Take Two: EP445), Dr Tom X Lee (Bonus Episode), Dr Benjamin Schwartz, Dr John Lee (Take Two: EP438), Kimberly Carleson, Ann Lewandowski (Summer Shorts), Andreas Mang and Jon Camire (EP479)

Earlier this month, a U.S. executive order was signed to broaden the availability of alternative asset investments for individuals with 401(k) plans. In this Sidecar episode of our Committed Capital podcast, Dechert partners Bill Bielefeld and Steve Rabitz dive into the challenges fiduciaries face under ERISA and the regulatory shifts poised to redefine retirement investment strategies moving forward. From liquidity concerns to fee structures and legal uncertainties, this comprehensive conversation sheds light on how plan sponsors and asset managers can navigate the evolving landscape of alternative asset inclusion in participant-directed retirement plans.Show Notes:New Order ‘Targets' 401(k) Plan ‘Alternatives': President Takes Aim at Legal Barriers and Litigation Risks, Dechert OnPoint (August 11, 2025)

Jenny Kiesewetter has more than 24 years of experience advising businesses in ERISA, employee benefits, compensation, fiduciary responsibility, and compliance matters.As a member of the firm's Employee Benefits and Tax Practice in Nashville, she advises clients on all aspects of employee benefits and executive compensation, including qualified and nonqualified retirement plans, health and welfare benefit plans, cafeteria plans, severance plans, and equity-based compensation plans.Jenny has also worked with businesses and investors during mergers and acquisitions, focusing on due diligence and compliance related to employee benefit plans, including retirement, health and welfare, and executive compensation plans. Additionally, she has worked on many post-acquisition employee benefit matters, specifically related to plan compliance and correction.Jenny earned her law degree from the University of Tennessee College of Law, Knoxville, as well as a master's in communications. She earned her undergraduate degree from the University of Florida. She has been consistently recognized by U.S. News - Best Lawyers for ERISA Litigation and Employee Benefits (ERISA) Law.Jenny is a frequent speaker and author on topics including ERISA, employee benefits, retirement plans, health plans, and statutory and regulatory compliance. To subscribe to her LinkedIn newsletter “ERISA Explained,” please visit - https://www.linkedin.com/newsletters/erisa-explained-7083416224222601216/ In this episode, Eric and Jenny Kiesewetter discuss:Fiduciary responsibility in ERISA health plan oversightConducting proper due diligence for health plan service providersSecuring and ensuring access to health plan dataReviewing provider fee disclosuresKey Takeaways:Selecting and monitoring health plan providers is an ongoing fiduciary function. Sponsors must document their decision-making and maintain oversight even after hiring a provider.When choosing a broker or advisor, conduct thorough due diligence. Interview multiple candidates, review their experience, services, and fees, and ensure they fit your organization's needs.Plan sponsors should secure access to all necessary health plan data. Owning and understanding this data is critical for informed fiduciary decisions and compliance with federal laws.Review 408(b)(2) fee disclosures from health plan service providers. Missing or incomplete disclosures can create compliance risks and may be seen as an unreasonable relationship by the Department of Labor.“You can't make fiduciary decisions if you don't know what the data says. That's my opinion. You have to understand what the data says to be able to make the right fiduciary decisions.” - Jenny KiesewetterConnect with Jenny Kiesewetter:LinkedIn: https://www.linkedin.com/in/jennykiesewetter/ Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/ The information and content of this podcast are general in nature and are provided solely for educational and informational purposes. It is believed to be accurate and reliable as of the posting date, but may be subject to changeIt is not intended to provide a specific recommendation for any type of product or service discussed in this presentation or to provide any warranties, investment advice, financial advice, tax, plan design, or legal advice (unless otherwise specifically indicated). Please consult your own independent advisor as to any investment, tax, or legal statements made.The specific facts and circumstances of all qualified plans can vary, and the information contained in this podcast may or may not apply to your individual circumstances or to your plan or client plan-specific circumstances.

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.Welcome to Season 5, Episode 27 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Vascular Malformations of the Brain."Vascular malformations of the brain may be rare - but when they strike, the effects can be devastating. These defects in the brain's blood vessels can trigger seizures, strokes, cognitive decline, and even life-threatening hemorrhages. For patients, it's not just a medical battle - it's also a fight to protect their livelihood. And with ERISA-governed disability insurance, the odds often feel stacked against you. In this episode of Winning Isn't Easy, disability law expert Nancy L. Cavey unpacks one of the toughest areas of neurological disability claims: vascular malformations and Long-Term Disability benefits. You'll learn what these conditions are, how their unpredictable symptoms make steady employment difficult, and the common tactics insurers use to deny claims. Nancy shares proven strategies to strengthen your case - like building a detailed medical record, documenting symptom fluctuations, and avoiding traps such as “subjective condition” or mental health limitations. Whether you're newly diagnosed, appealing a denial, or just trying to understand your coverage, this episode will give you the tools to protect your rights and fight for the benefits you deserve. Because when your brain - and your future - are at stake, winning isn't easy, but it is possible with the right strategy.In this episode, we'll cover the following topics:One - What Are Vascular Malformations of the Brain?Two - Navigating ERISA Disability Claims for Vascular MalformationsThree - Strategies to Build a Strong Claim and Avoid DenialWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals. 

On August 7, President Trump issued a much-anticipatedexecutive order, directing the Labor Department to (re)consider barriers to defined contribution plans accessing alternative investments.  Nevin & Fred check it out – and theimplications.More specifically, an executive order directed the Secretary of Labor to, among other things, “reexamine the Department of Labor's guidance on a fiduciary's duties regardingalternative asset investments in ERISA-governed 401(k) and other defined-contribution plans” – a stance widely seen as encouraging the consideration of alternative assets in defined contribution plans, including 401(k)s and 403(b)s.The EO states as “the policy of the United States that everyAmerican preparing for retirement should have access to funds that include investments in alternative assets…”That policy is, however, conditioned to situations “when therelevant plan fiduciary determines that such access provides an appropriate opportunity for plan participants and beneficiaries to enhance the net risk-adjusted returns on their retirement assets.” While the Executive Order doesn't immediately changeanything, it sets in motion the possibility of a less restrictive regulatory view on so-called, “alternative” assets, including private markets, real estate, digital assets, and lifetime income.The Executive Order calls out “burdensome lawsuits that seek to challenge reasonable decisions by loyal, regulated fiduciaries,” as well as “stifling Department of Labor guidance” that is says has “denied millions of Americans opportunities to benefit from investment in alternative assets.”Episode ResourcesBreakingNews: Trump Signs EO to Advance Private Market Investments in 401(k)sLifetimeIncome Also Cited in Private Markets Executive OrderTalkingPoints: Pandora's BoxThingsI Worry About (12): Private Funds and 401(k) Plans - Fred ReishDOLPulls Guidance Cautioning Fiduciaries About Private Equity in 401(k)s

In this episode, Suzanne Spradley and Carol Wood discuss the role of pharmacy benefit managers (PBMs) and the recent proliferation of state laws that regulate PBMs. Next, Suzanne explains how these state PBM laws interact with federal laws, which are supreme. Suzanne reviews ERISA preemption and the U.S. Supreme Court Rutledge case, and how state lawmakers continue to test the boundaries of their authority with PBM legislation. The conversation then turns to a controversial Arkansas PBM law and the related litigation that has gained national attention. Suzanne and Carol end by providing employer takeaways and explaining why it's important for employers to continue to monitor developments in this complex benefits area.

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.Welcome to Season 5, Episode 26 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Understanding "Own Occupation" Benefits Under ERISA Disability Insurance."“Own Occupation” and “Any Occupation” might sound like simple terms - but in the world of Long-Term Disability insurance, they can make or break your claim. In today's episode, disability law expert Nancy L. Cavey unpacks one of the most misunderstood but critical distinctions in disability policies: how your occupation is defined. If you've ever had to read a disability policy - or worse, file a claim - you know these definitions aren't just legal jargon. They determine whether you'll receive benefits when you can't work in your specialized field, or whether an insurer can cut you off by arguing you could work in any other job, even one far outside your training, experience, or pay grade. Nancy breaks it all down: what “own occupation” and “any occupation” really mean, how these definitions can shift over time in an ERISA plan, and why understanding them early can be the key to protecting your income. You'll learn the secrets to securing your own occupation disability benefits, common pitfalls that lead to denials, and specific strategies for those facing psychiatric disability claims - where insurers often push hardest to reclassify your case. Whether you're just reviewing your coverage, preparing to file, or already battling a denial, this episode offers clear, actionable guidance to help you navigate the fine print and fight for the benefits you deserve. Let's get started.In this episode, we'll cover the following topics:One - Own Occupation vs. Any Occupation – What's the Difference?Two - The Secret to Getting Your Own Occupation ERISA Disability BenefitsThree - Tips for Preventing a Denial of Own Occupation Psychiatric Disability Insurance ClaimsWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals. 

Now “retired” (whatever that means), Nevin is the former Chief Content Officer and Head of Retirement Research for the American Retirement Association. One of the retirement industry's most prolific writers, these days he's “retired”, which means he writes less, but continues to keep his eye on developments in, and threats to, the nation's private retirement system. He's the Chief Advisor Strategist at Endeavor Retirement, and he's also the “Nevin” in the Nevin & Fred podcast (along with renowned ERISA attorney Fred Reish), offering irreverent, but relevant perspectives on the critical issues confronting plan sponsors, advisors, and retirement industry professionals. Prior to his time at the ARA, he was the Employee Benefits Research Institute's Director of Education and External Relations, Co-Director of EBRI's Center for Research on Retirement Income, and Director of the American Savings Education Council, and prior to that, spent a dozen years as Global Editor-in-Chief of PLANSPONSOR magazine and PLANSPONSOR.com, as well as PLANADVISER and PLANSPONSOR Europe magazines. He was the originator, creator, writer, and publisher of PLANSPONSOR.com's NewsDash. He began his retirement services career at Northern Trust in Chicago, where he later served in a variety of management roles, culminating in the development of a proprietary recordkeeping platform, and at Wachovia Bank, leading their defined contribution/recordkeeping businesses.In this episode, Eric and Nevin Adams discuss:Retirement income requires tailored solutions.Fiduciary roles shift after adoption.Default options remain a challenge.Adoption will be gradual and cautious.Key Takeaways:There's a wide range of income options beyond annuities, but each plan should carefully assess its participants' needs before implementing anything.Choosing to offer a retirement income option begins as a settlor decision, but once implemented, it becomes a fiduciary duty to select the specific solution, to monitor, and manage.Auto-enrolling participants into lifetime income products is complex—many don't fully grasp the trade-offs, and surveys show mixed interest.Due to regulatory uncertainty and logistical hurdles, most plan sponsors are expected to move conservatively, guided by education and expert consultation.“How are we making default lifetime income assumptions about people on a generic basis without some of that nuance? Aren't you, almost by definition, creating a product that's not really going to fit people anyway?” - Nevin AdamsConnect with Nevin Adams:Website: https://nevinandfred.com/ LinkedIn: https://www.linkedin.com/in/nevinadams/ Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/ The information and content of this podcast are general in nature and are provided solely for educational and informational purposes. It is believed to be accurate and reliable as of the posting date, but may be subject to changeIt is not intended to provide a specific recommendation for any type of product or service discussed in this presentation or to provide any warranties, investment advice, financial advice, tax, plan design, or legal advice (unless otherwise specifically indicated). Please consult your own independent advisor as to any investment, tax, or legal statements made.The specific facts and circumstances of all qualified plans can vary, and the information contained in this podcast may or may not apply to your individual circumstances or to your plan or client plan-specific circumstances.

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.Welcome to Season 5, Episode 25 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Short-Term Disability and Pregnancy: Understanding Your Rights and Benefits."Pregnancy and Short-Term Disability don't always go hand in hand - at least not the way they should. In today's episode, disability law expert Nancy L. Cavey sheds light on a critical issue affecting millions of working women: the challenges of securing Short-Term Disability benefits during pregnancy. While pregnancy is often a time of excitement and change, it can also involve serious medical complications, extended leave, or postpartum recovery that makes returning to work impossible. That's when Short-Term Disability insurance is meant to provide support - but the claims process is often anything but supportive. From unclear policy terms to denied claims and employer resistance, many women find themselves overwhelmed and underprotected at one of the most vulnerable times in their lives. Nancy breaks it all down - what pregnancy-related conditions qualify, how Short-Term Disability differs from long-term coverage, when to seek legal help, and how to fight back if your claim is denied. Whether you're pregnant now, planning to be, or helping someone through the process, this episode offers clear, actionable guidance for navigating the system and securing the benefits you deserve. Let's get started.In this episode, we'll cover the following topics:One - Understanding Short-Term Disability and PregnancyTwo - Filing and Protecting Your Pregnancy-Related Disability ClaimThree - Knowing Your Rights and Seeking SupportWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals. 

In this episode of "The Free Lawyer," host Gary interviews Ben Glass, co-founder of Ben Glass Law and Great Legal Marketing. Ben shares his journey from traditional legal practice to building a fulfilling, innovative law firm. He discusses the importance of curiosity, collaboration, and values-driven leadership, encouraging lawyers to delegate, focus on client experience, and foster positive firm cultures. Ben also addresses lawyer wellness, advocating for proactive business strategies and personal growth. The episode offers practical advice for lawyers seeking greater satisfaction and success in their careers.Ben Glass is a prominent long-term disability attorney, business leader, and legal marketing expert with over 40 years of experience in representing disabled and injured clients against insurance companies. He is widely recognized for his innovative approach to law and business, making significant contributions to both fields.Ben is a nationally recognized and sought after speaker in the legal industry and has taught and lectured on a variety of legal subjects including direct and cross examination, the use of expert witnesses, conducing effective voir dire and jury selection, maximizing recovery in personal injury cases and effective representation of disabled workers in ERISA long-term disability cases. Ben has been featured prominently in numerous publications and media outlets such as Lawyers Weekly Virginia, The Washington Post, Newsweek, USA Today, and The Wall Street Journal. Ben Glass is not only a successful attorney but also a leading figure in legal marketing. He founded Great Legal Marketing (GLM), an organization dedicated to helping solo and small-firm lawyers refine their marketing strategies and business practices. His expertise has been sought after nationwide, and he is a frequent speaker and author on legal marketing, delivering talks at in-person and virtual conferences for entrepreneurs worldwide.Collaboration vs. Competition in Law (00:06:27Starting Ben Glass Law: Early Challenges (00:07:43)s.Magnetic Marketing and Information-Based Approach (00:09:37) Client Experience and Referral Cultivation (00:12:05) Renegade Lawyer Philosophy (00:14:07) Entrepreneurial Mindset vs. Legal Mindset (00:15:19)Lawyer Wellness and Business Foundations (00:16:16) The Hard Work of Entrepreneurship (00:18:32) .Biggest Misconceptions About Law Practice Success (00:20:17) .Analyzing and Improving Law Firm Systems (00:22:17) Breaking Free from the Prison of Success (00:24:17) Mindset Differences: Stuck vs. Thriving Lawyers (00:26:18) Building a Values-Driven Practice (00:28:34) Lessons from Mistakes: Hiring and Coaching (00:31:12) The Importance of Ongoing Coaching (00:32:39) Controlling Your Environment and Inputs (00:34:23)Advice to Young Ben: Vulnerability and Coaching (00:36:13) .Encouragement for Stuck and Overwhelmed Lawyers (00:38:07) Would you like to learn more about Breaking Free or order your copy? https://www.garymiles.net/break-free Would you like to schedule a complimentary discovery call? You can do so here: https://calendly.com/garymiles-successcoach/one-one-discovery-call

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.Welcome to Season 5, Episode 24 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Hidradenitis Suppurativa."Think hidradenitis suppurativa is just a skin condition? Think again. In today's episode, disability law expert Nancy L. Cavey takes us deep into the realities of living - and working - with HS, a painful, chronic condition that affects far more than the skin. For many, HS causes relentless flare-ups, infections, and debilitating pain that can make holding down a job nearly impossible. Yet when it comes to filing for disability insurance benefits, claimants often face skepticism, delays, and denials from insurers who don't understand the full impact of this condition. Whether you're battling HS yourself or helping someone who is, this episode breaks down what you need to know about how HS affects work capacity, why insurance companies frequently get it wrong, and what you can do to protect your ERISA disability claim. Nancy shares expert insight on medical documentation, treating provider support, and the legal strategies that can make or break your case. Don't miss this essential conversation about getting the benefits you deserve - even when your condition isn't always visible. Let's get started.In this episode, we'll cover the following topics:One - What Is Hidradenitis Suppurativa and How Is It Disabling?Two - Do You Qualify for ERISA Disability Benefits Because of Hidradenitis Suppurativa?Three - Building a Strong Disability Claim for Hidradenitis SuppurativaWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals. 

In this episode of the Astonishing Healthcare podcast, host Justin Venneri speaks with Lindsey Butler, PharmD, Vice President & Clinical Pharmacy Consultant at Lockton, and Chris England, Vice President of National Business Development at Capital Rx. They discuss what health systems need from a pharmacy benefit management (PBM) partner, the challenges in today's market, and the opportunities for innovation and collaboration to advance care for the patients in the communities health systems serve. State-level regulatory changes are top of mind, and Lindsey explains what she's tracking and how she's approaching meeting her clients' unique requirements: How can the benefits program aid with talent acquisition and retention? Can a pharmacy program meet everyone's needs (from the C-suite to the pharmacy team)? Both guests share insights from their extensive experience, offering ideas for health systems to enhance their pharmacy programs and improve the health benefits and healthcare experience for employees and communities.HighlightsArkansas and Louisiana are among the states leading PBM reform efforts, and fiduciary responsibility is in focus - Lindsey discusses ERISA lawsuits and the Arkansas bill, while Chris talks about the push to use NADAC for drug pricing.Health systems are grappling with the high costs of GLP-1 drugs and exploring ways to integrate wraparound support, such as nutrition counseling, to improve outcomes - it's interesting that most health systems do cover them for weight loss!Many health systems are leveraging - or considering opening - in-house pharmacies to reduce costs, improve medication access, and enhance continuity of care.Having a PBM partner with flexible technology allows for custom network and reimbursement structures that align pharmacy benefits with health systems' goals.Collaboration among providers, pharmacies, and health plans is essential to ensure that decisions benefit both a health system and the patients it serves.Related ContentPharmacy Benefit Procurement: How to Ensure That Savings Materialize (eBook)AH021 - Managing Pharmacy Costs in a GLP-1 World, with Bridget Mulvenna & How to Manage Pharmacy Benefit Spend in a GLP-1 World (Blog)AH029 - Selling Pharmacy Benefits: Building Relationships & Meeting Clients' Needs, with Nick Van HookPharmacy Benefits 101: The Importance of the NetworkTo get in touch with Lindsey: Lindsey Butler, PharmD, CSPPlease visit Capital Rx Insights for more information, including this episode's transcript!

In recent days, federal courts have dismissed two notablesuits regarding forfeiture reallocation, but most notably the Labor Department has now weighed in on behalf of plan fiduciaries in another case.  Could this be a turning point?  Nevin & Fred weigh in.The suits – against JP Morgan and Wells Fargo – weredismissed in different courts on different grounds.  Still, they came at a time, and in a way, that suggests at least some federal courts are now inclined to see practices long sanctioned by practice (and the IRS) as meritless.The real game changer, of course, might be the LaborDepartment's “friend of the court” filing on yet another suit – one that the fiduciary defendants have already had success in challenging the suit, and yet find themselves (still) in court litigating the issue(s).Speaking of the Labor Department, a federal judge in Texasrecently ruled on a suit filed challenging the application of the so-called fiduciary regulation, most specifically with regard to its implications on rollovers.So what does all that portend for ERISA plan fiduciaries?  And what might the anticipated executive order from the Trump Administration expanding/opening the door for private assets in defined contribution mean?All this and more in the latest episode of Nevin (Adams)& Fred (Reish)…Episode ResourcesForfeituresDOL Backs HP in Forfeiture Reallocation Suit AppealWells Fargo Fends Off Forfeiture Fiduciary Suit JP Morgan Gets Clear Win in 401(k) Forfeiture Reallocation SuitFiduciary SuitFederal Court Vacates Part of Rollover RulePrivate MarketsRetirement Plan Participants Want Access to Private Market InvestmentsPrivate Market Investments: Promises and Potential Pitfalls  https://issuu.com/usaretirement/docs/napa_net_the_magazine_summer_2025Empower'sMurphy Responds to Warren's Private Market Criticism

In this episode of the Friday Fiduciary Five, Eric Dyson discusses the current “Hot Topics” for ERISA plans. Leading the list is the Cunningham v. Cornell decision, which shifts the burden of proving exemptions in prohibited transactions to fiduciaries. Fee and forfeiture litigation remains active, with dozens of new cases this year. Health plan fiduciary risks—such as mental health parity rules and PBM transparency—are under increased scrutiny. SECURE 2.0 compliance, especially auto-enrollment and catch-up contributions, is still a key focus. Emerging risks around AI, cryptocurrency, ESG, and private equity in 401(k) plans are also highlighted. Dyson emphasizes strong fiduciary governance and stewardship.Included in this episode are references to previous podcast episodes that address many of these issues.Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/ The information contained herein is general in nature and is provided solely for educational and informational purposes.It is not intended to provide a specific recommendation of any type of product or service discussed in this presentation or to provide any warranties, financial advice, or legal advice.The specific facts and circumstances of all qualified plans can vary, and the information contained in this podcast may or may not apply to your individual circumstances or to your plan or client plan specific circumstances.

ERISA expert and Industry Vet Jack Towarnicky joins Retireholics today. Topics to include: Josh Itzoe's New Product Launch, J.P. Morgan and Vestwell's SoloK, Is the Coverage Gap really narrowing?, Senator Warren vs Empower drama now includes Voya Financial, Blue Owl Capital and Trump, My QDIA is better than your QDIA, and what is a Ben Franklin Child Roth IRA?

Are you looking to seize control of your retirement funds and explore alternative investment avenues beyond traditional stocks? In this episode, Adam Bergman, a nine-time author, former tax and ERISA attorney, and founder of IRA Financial, shares how self-directed IRAs can empower you to invest in assets like real estate, crypto, gold, private businesses, and more. Learn the essential tax rules and strategies to cultivate your retirement growth. In this episode, we chat about… Introduction to Self-Directed IRAs: Explained what a self-directed IRA is and how it differs from traditional IRAs managed by custodians like Fidelity or Vanguard. Three Things You Can't Do with an IRA: Clear breakdown of IRS restrictions: no life insurance, no collectibles, and no self-dealing (IRC Section 4975(c)). What Triggers UBIT (Unrelated Business Income Tax): Covered the three scenarios that may trigger UBIT and outlined strategies to avoid or minimize it. Solo 401(k) vs. Self-Directed IRA: Compared the advantages of solo 401(k)s for the self-employed, including UBIT exemptions and higher contribution limits. Using an IRA LLC or "Checkbook IRA": Describe the structure, benefits of control, limited liability, and privacy offered by IRA LLCs. Real Estate and Crypto with a Self-Directed IRA: Detailed how self-directed IRAs can be used for real estate and crypto investments, including the role of non-recourse loans. Key Takeaways: Self-directed IRAs allow you to invest in a wide range of alternative assets, with only a few IRS restrictions. A qualified custodian is required to handle IRA funds and facilitate compliant investments. UBIT may apply to leveraged real estate or active business investments, but it can often be reduced or avoided with the right strategy. IRA LLCs with checkbook control offer more flexibility, privacy, and direct access to manage investments. Solo 401(k)s are ideal for self-employed individuals, offering higher contribution limits and exemptions from UBIT on leveraged real estate. Learning from credible sources and consulting professionals is essential to avoid costly mistakes in self-directed retirement planning   Resources from Adam      LinkedIn | IRA Financial  Resources from Mike and Nichole      Gateway Private Equity Group |  Nic's guide

The best CEOs know how to hold the long-term vision—while building the structure and discipline needed to scale sustainably. That's according to Henry Ward, Founder and CEO of Carta, a networked enterprise resource planning (ERP) platform for private capital markets.In this episode, Henry joins host Rodney Bolden to reflect on his founder journey and the leadership lessons he's learned along the way. They discuss “founder mode,” how the founder mindset evolves as a company grows, and how to manage the tension between innovation and operational rigor within a company. They also cover why more companies are staying private longer and how private companies are offering meaningful equity and liquidity to retain top talent, from early-stage startup to late-stage growth. Follow Invested at Work wherever you listen to or watch podcasts. Visit MorganStanley.com/atwork for more insights on workplace financial benefits. Visit Carta.com to learn more about Henry's work with Carta. Invested at Work is brought to you by Morgan Stanley at Work, hosted by Rodney Bolden. Our executive producers are Fiona Kelsey and Lisa Boyce. Our production partner is Sequel Media Inc. This material is not a solicitation of any offer to buy or sell any security or other financial instrument or to participate in any trading strategy. Guest speakers from outside Morgan Stanley Wealth Management are neither employees of or affiliated with Morgan Stanley Wealth Management. Opinions expressed by such guest speakers are solely their own and do not necessarily reflect those of Morgan Stanley Wealth Management or its affiliates.Morgan Stanley and Carta are not affiliated and this presentation should not be treated as an endorsement of Carta or its products and services. This material may provide the addresses of, or contain hyperlinks to, websites. Morgan Stanley is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the websites. Except to the extent to which the material refers to website material of Morgan Stanley Wealth Management, the firm has not reviewed the linked site. Equally, except to the extent to which the material refers to website material of Morgan Stanley Wealth Management, the firm takes no responsibility for, and makes no representations or warranties whatsoever as to, the data and information contained therein. Such address or hyperlink (including addresses or hyperlinks to website material of Morgan Stanley Wealth Management) is provided solely for your convenience and information and the content of the linked site does not in any way form part of this document. Accessing such website or following such link through the material or the website of the firm shall be at your own risk and we shall have no liability arising out of, or in connection with, any such referenced website. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC. Artificial intelligence (AI) is subject to limitations, and you should be aware that any output from an AI-supported tool or service made available by the Firm for your use is subject to such limitations, including but not limited to inaccuracy, incompleteness, or embedded bias. You should always verify the results of any AI-generated output. Private equity funds typically invest in securities, instruments, and assets that are not, and are not expected to become, publicly traded and therefore may require a substantial length of time to realize a return or fully liquidate. They typically have high management, performance and placement fees which can lower the returns achieved by investors. They are often speculative and include a high degree of risk. Investors can lose all or a substantial amount of their investment. They may be highly illiquid with significant lock-up periods and no secondary market, can engage in leverage and other speculative practices that may increase volatility and the risk of loss, and may be subject to large investment minimums. When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley's role with respect to a Retirement Account, please visit ww.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Morgan Stanley at Work services are provided by wholly owned subsidiaries of Morgan Stanley. Information contained herein is based on data from multiple sources considered to be reliable and Morgan Stanley Smith Barney LLC (“Morgan Stanley”) makes no representation as to the accuracy or completeness of data from sources outside of Morgan Stanley. © 2025 Morgan Stanley Smith Barney LLC. Member SIPC. CRC# 4501001 06/2025

In this episode of the Power Producers Shop Talk, David Carothers shares an insightful conversation with Ciara Gravier from The Bunker Insurance & Risk Management and Zach Matter from ZipBonds. This episode is a must-listen for anyone involved with contractors, particularly those navigating the world of surety bonds. Ciara and Zach discuss how contractors can face challenges with messy financials and how these issues can impact their ability to qualify for larger projects. They dive into the importance of having tidy books, understanding bond requirements, and using bonds as a way to build strong client relationships. Zach also highlights the essential three C's for bond approval—character, capacity, and capital—and explains how producers can add value by properly presenting these factors to underwriters. This episode is packed with practical strategies for agents to help contractors and clients navigate the complexities of surety bonds while building stronger, more profitable relationships. Key Highlights: Understanding Bonds for Contractors Ciara explains how she used bonds as an educational tool to connect with contractors and help them understand the importance of having clean financials. She also shares how SEO and email marketing strategies can help agents engage contractors on bond topics. The Three C's of Bond Approval Zach breaks down the three key factors for bond approval: character, capacity, and capital, and how agents can provide valuable insights to help contractors qualify for bonds. Expanding the Bond Conversation Beyond Construction Zach emphasizes that bonds aren't just for construction. From liquor licenses to ERISA bonds for 401(k) plans, many industries require bonds, making it an essential conversation for all agents to have with their clients. Using Bonds as a Client Relationship Builder Ciara shares how she leveraged bonds to build relationships with CPAs, contractors, and even business attorneys, turning bonds into a valuable revenue stream and referral source. Subcontractor Default Insurance vs. Surety Bonds Zach talks about the growing use of subcontractor default insurance (SDI) and how it can impact the bond process. He explains the additional work involved when a subcontractor cannot qualify for SDI and how to handle it as a producer. Connect with: David Carothers LinkedIn Zach Matter LinkedIn Ciara Gravier LinkedIn Kyle Houck LinkedIn Visit Websites: Power Producer Base Camp ZipBonds The Bunker Insurance & Risk Management Killing Commercial Crushing Content Power Producers Podcast Policytee The Dirty 130 The Extra 2 Minutes

Jamie Greenleaf is the Co-Founder of Fiduciary In A Box (FIAB) and a recognized expert in fiduciary governance. With a career dedicated to helping employers design and implement fiduciarily sound retirement programs, she has consistently focused on driving better financial outcomes for employees.In response to the Consolidated Appropriations Act (CAA) of 2021, Jamie co-founded Fiduciary In A Box to equip employers and their partners with the tools and framework needed to establish a strong fiduciary process for their health care plans, ensuring compliance and reducing risk for plan sponsors.In this episode, Eric and Jamie Greenleaf discuss:New transparency rules for healthcare plansEmployers must embrace fiduciary responsibilityAdvisors are essential partners in complianceSupport tools like Fiduciary In a Box can helpKey Takeaways:The Consolidated Appropriations Act of 2021 introduced major updates to employer-sponsored healthcare plans, building on ERISA's foundation. Key changes include the removal of gag clauses, mandatory compensation disclosures, and new reporting requirements on prescription spending and mental health parity.Employers are now expected to take a more hands‑on approach in managing their healthcare plans. This includes forming fiduciary committees, undergoing fiduciary training, verifying vendor information, and benchmarking service providers to ensure fair costs and quality.Advisors and brokers play a critical role in helping employers understand their fiduciary duties. They should offer transparent compensation details and guide the development of strong oversight practices to protect plan participants and maintain regulatory compliance.Platforms such as Fiduciary In a Box simplify the compliance process by providing resources, templates, and benchmarking tools. These solutions enable employers to implement proper fiduciary practices and make well‑informed, participant‑focused decisions.“Trust but verify, because at the end of the day, you are the fiduciary nobody else sitting at that table on the healthcare side is.” - Jamie GreenleafFiduciary In A BoxConnect with Jamie Greenleaf:Website: https://www.fiduciaryinabox.com/ LinkedIn: https://www.linkedin.com/in/jamie-greenleaf-aif-cbfa-c-k-p-4029365a/ Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/ The information and content of this podcast is general in nature and is provided solely for educational and informational purposes. It is believed to be accurate and reliable as of the posting date, but may be subject to changeIt is not intended to provide a specific recommendation for any type of product or service discussed in this presentation or to provide any warranties, investment advice, financial advice, tax, plan design, or legal advice (unless otherwise specifically indicated). Please consult your own independent advisor as to any investment, tax, or legal statements made.The specific facts and circumstances of all qualified plans can vary, and the information contained in this podcast may or may not apply to your individual circumstances or to your plan or client plan-specific circumstances.

Enhancing Payment Integrity in Health Systems: An In-depth Discussion with Kimberly Carleson. In Episode 481 of Relentless Health Value, host Stacey Richter speaks with Kimberly Carleson, CEO of US Beacon, about payment integrity within health systems. They delve into strategies some hospitals use to maximize revenue without raising rates and discuss the importance of accurate billing.  Key takeaways include the high prevalence of billing errors, which can lead to significant overcharges for plan sponsors, often due to documentation gaps and complex coding systems. Kimberly provides actionable advice for both healthcare providers and plan sponsors on how to mitigate billing inaccuracies and enhance transparency.  Emphasized points include the necessity of third-party claim audits, understanding legal rights under various acts, and the importance of maintaining clear communication and compliance with legal billing standards. === LINKS ===

Got questions? Send Ericka a Text!Dental insurance companies often deny necessary treatment claims not because they should, but because they can—and we explore how to fight back effectively through appeals and regulatory complaints.• 59% of denied claims are upheld simply because no appeal is ever filed• Unreasonable denials occur when patients have benefits but claims are still denied• State insurance commissioners can investigate denials and prompt payment violations• Understanding the difference between fully-insured and self-funded (ERISA) plans• For self-funded plans, complaints must go to the Department of Labor (866-444-3272)• Gather evidence including denials, submission reports, and clinical notes• Position your complaint as patient advocacy rather than financial recovery• Insurance companies cannot dictate treatment or force doctors to work for freeRemember: You're not just a biller—you are the patient advocate and the system of checks and balances they didn't see coming.Want to learn Dental Coding and Billing? Join here:https://tr.ee/efzYrY7mp-Would you like to set-up a billing consultation with Ericka? She would love the opportunity to discuss your billing questions and see how Fortune Billing Solutions may help you. Email Ericka:ericka@dentalbillingdoneright.comSchedule a call with Ericka: https://calendly.com/ericka-dentalbillingdoneright/30min Perio performance formula: (D4341+D4342+D4346+D4355+D4910)/(D4341+D4342+D4346+D4355+D4910+D1110)

In Episode 77 of Revamping Retirement, hosts Jennifer Doss and Peter Ruffel are joined by Stephanie Gutwein, a partner at Faegre Drinker, to unpack the implications of the Cunningham v. Cornell Supreme Court decision on ERISA prohibited transactions. The episode delves into the nuances of ERISA's prohibited transaction rules, exemptions, and the recent Supreme Court ruling affecting litigation against plan sponsors. Stephanie provides practical guidance for plan fiduciaries, emphasizing robust processes and documentation to navigate this evolving landscape.

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.Welcome to Season 5, Episode 23 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Medical Residents and Disability Insurance."Think disability insurance can wait? Think again. In today's episode, disability law expert Nancy L. Cavey breaks down one of the most important, yet often overlooked, decisions facing medical residents and fellows: protecting your ability to earn through disability insurance. You're in the thick of training, focused on learning, growing, and surviving residency. But the reality is that life can change in an instant. An unexpected illness or injury could derail everything you've worked for. Nancy explains how the right disability policy can provide the financial security you need to keep paying student loans, maintain your lifestyle, and stay on track - even if you can no longer practice in your specialty. She dives into why your first financial decision as a resident might be the most important one you'll ever make, what you need to know about GSI (Guaranteed Standard Issue) disability policies, and why timing is everything when it comes to coverage. Whether you're just getting started or planning ahead, this episode offers practical insight and expert guidance you won't want to miss. Let's get started.In this episode, we'll cover the following topics:One - The First Business Decision Every Medical Resident or Fellow Should Make to Insure Their Financial FutureTwo - I Am a Resident and Am Thinking About Getting a Disability Policy. What Is a GSI Disability Policy?Three - The Six Reasons a Medical Resident Must Get a Disability Income Insurance Policy NowWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals. 

Ary Rosenbaum talks about what 401(k) plan sponsors need to do, to be on the right side of ERISA.

Building on last week's discussion about why rolling over your old 401(k) into an IRA could be a smart move, this episode flips the script. It explores seven compelling reasons you might want to leave your 401(k) with your previous employer instead. I break down factors like fees, company stock advantages, penalty-free withdrawals, legal protections, and unique investment options that could all influence your decision.  If you're approaching retirement or just planning your next career move, this episode is packed with insights to help you make the best choices for your financial future.  You will want to hear this episode if you are interested in... [04:12] Leave company stock in 401k to use net unrealized depreciation, potentially saving on taxes via long-term capital gains. [08:55] Consider keeping company stock in an old 401(k) to avoid taxes and penalties if under 59.5 years. [10:01] IRA withdrawal exemptions and strategies. [16:01] Consider keeping your old 401 (k) for potential loan access, but check if your provider permits non-employee loans. [17:50] Deferring 401(k) distributions explained. When to Leave Your Old 401(k) With Your Previous Employer Changing jobs often means making quick decisions about retirement savings. While rolling over your old 401(k) into an IRA is a common choice, there are significant advantages to leaving it where it is. This week, I'm discussing the situations when maintaining your previous employer's retirement plan is advantageous.  1. Potential for Lower Fees If you worked for a large organization, their 401(k) plan might offer exceptionally low administrative and investment fees, especially if they've chosen robust menus with index fund options. While IRA costs have dropped due to strong competition among major financial institutions like Schwab, Fidelity, and Vanguard, some large employer plans still offer a lower cost.  Always compare fees before making a move; sometimes, your old 401(k) will be the most cost-effective option available. 2. Tax Benefits of Company Stock (Net Unrealized Appreciation) Do you have significant company stock in your 401(k)? You could benefit from the unique tax break called Net Unrealized Appreciation (NUA). This allows you to pay lower long-term capital gains rates on your stock's growth instead of higher ordinary income rates. However, to take advantage of NUA, you must carefully roll out your stock and be mindful of any 10% penalty if you're under 59½. Know your stock's cost basis and consult with a tax professional to determine if waiting is best, especially if your cost basis is higher. 3. Penalty-Free Access Between Age 55 and 59½ Left your job between 55 and 59½? Here's a little-known benefit: you can tap your old 401(k) penalty-free before age 59½. If you roll the balance into an IRA, that door closes, unless you qualify for rare exceptions. This rule can be crucial if you need those funds to bridge the gap to retirement, so consider leaving at least part of your balance in the plan until you turn 59½. 4. Enhanced Creditor Protection Federal law (ERISA) offers 401(k) plans strong protection from creditors and judgments, even in bankruptcy. While rollover IRAs are also protected under federal and many state laws, the details can get complicated. Certain states may limit IRA protections, so it's wise to investigate your state's rules. Segmenting rollover IRAs from contributory IRAs can also help simplify tracking and protection. 5. Access to Stable Value Funds Some 401(k) plans offer stable value funds, a low-risk investment choice that often comes with a guaranteed minimum rate of return. While money market funds are currently paying more, that could change if interest rates drop. In lower-rate environments, stable value funds could offer an edge and a safe harbor for your retirement assets. 6. Possible Loan Availability Need to borrow against your retirement savings? Some plans allow you to take a loan from your 401(k), even after leaving the company. However, this isn't universal, since loan repayments are usually tied to payroll. Check with your plan administrator to see if this benefit applies; if it does, it could be an important safety net. 7. Required Minimum Distribution (RMD) Deferral if Still Working If you work past age 73, keeping your funds in a 401(k) with your current employer lets you defer required minimum distributions (RMDs). That's not the case with IRAs. Consolidating old 401(k)s into your current plan can simplify RMD timing and let your funds grow tax-deferred a bit longer. Make an Informed Move Rolling over your 401(k) may seem automatic, but there are times when staying put is the better choice. Carefully assess fees, tax implications, creditor protections, and your unique needs. Most importantly, consider working with a fiduciary, fee-only financial advisor who understands your entire financial picture. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Charles Schwab Fidelity Vanguard Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.Welcome to Season 5, Episode 22 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Living with a Voice Disorder: Sue Payne on Spasmodic Dysphonia, the Disability Process, and Finding New Purpose."Thinking your voice doesn't matter? Think again. In this powerful episode, disability law expert Nancy L. Cavey sits down with advocate and community leader Sue Payne - a Board Member of Dysphonia International and a force for change in the voice disorder community. Diagnosed with spasmodic dysphonia and cervical dystonia in 2017, Sue's life took a turn she never expected. But rather than retreat, she stepped up. With a background in public health, education, and corporate leadership, Sue shares how she navigated the loss of her literal voice - and the identity shifts that came with it. From applying for Long-Term Disability to organizing Walk for Talk events, mentoring others, and pushing for awareness and research, Sue offers a deeply personal look at what it means to turn a medical challenge into a mission. We explore what it's like to advocate for yourself in a system that doesn't always understand, how to find community when your voice feels silenced, and what real resilience looks like. Whether you're living with a chronic condition, facing a disability claim, or just in need of some perspective, Sue's story is a reminder: losing your voice doesn't mean losing your power. Let's dive in.In this episode, we'll cover the following topics:One - Sue's Story and Advocacy WorkTwo - Living With Spasmodic Dysphonia and Cervical DystoniaThree - Long-Term Disability and Life Beyond WorkWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals. 

In this episode of Friday Fiduciary Five, Eric Dyson discusses the implications of the Cunningham v Cornell Supreme Court decision for health plans, emphasizing the need for 408(b)(2) disclosures under the Consolidated Appropriations Act. He explains that health plans subject to ERISA must now disclose fees and services provided by vendors, such as third-party administrators and pharmacy benefit managers. Eric advises plan committee members to establish a process similar to retirement plans, including fiduciary committees and charters, to ensure compliance.Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/ The information contained herein is general in nature and is provided solely for educational and informational purposes.It is not intended to provide a specific recommendation of any type of product or service discussed in this presentation or to provide any warranties, financial advice, or legal advice.The specific facts and circumstances of all qualified plans can vary, and the information contained in this podcast may or may not apply to your individual circumstances or to your plan or client plan specific circumstances.

In this episode of Friday Fiduciary Five, Eric Dyson talks about two recent ERISA cases: Cunningham v. Cornell University and Steen v. Sonoco. In Cunningham, the court ruled that prohibited transactions can move a case forward, emphasizing the importance of 408(b)(2) disclosures and a documented process. In Steen, the court dismissed the case for lack of factual allegations, highlighting the need for detailed claims. Eric advises fiduciaries to monitor record-keeping fees, ensure reasonable compensation, and document processes. He notes that the Supreme Court's decision could increase prohibited transaction claims, especially in healthcare litigation. Eric stresses the importance of thorough documentation and regular benchmarking to meet fiduciary duties.Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/ The information contained herein is general in nature and is provided solely for educational and informational purposes.It is not intended to provide a specific recommendation of any type of product or service discussed in this presentation or to provide any warranties, financial advice or legal advice.The specific facts and circumstance of all qualified plans can vary and the information contained in this podcast may or may not apply to your individual circumstances or to your plan or client plan specific circumstances.

Paperwork is boring, and we all try to avoid it. While estate planning is a lot of paperwork, it is a crucial part of making sure your children and family are taken care of after you're gone. Listen in as Nate Reineke and Ben Utley chat with special guest Christine Roberts, an estate planning attorney with a background in ERISA law and over 30 years of experience. She breaks down some common misconceptions and mistakes physicians make when setting up trusts and wills, and delves into how a good estate planning attorney can help you avoid pitfalls. They also look at control group rules and how physicians may be messing up their retirement plans without even realizing it. If you are in Santa Barbara, or California, and want to work with Christine, you can contact her at croberts@mullenlaw.com or (805) 966-1501 Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It's time to make a plan and get on track. To find out if we're a match visit physicianfamily.com and click get started or, you can ask a question of your own by emailing podcast@physicianfamily.com. See marketing disclosures at physicianfamily.com/disclosures

Paperwork is boring, and we all try to avoid it. While estate planning is a lot of paperwork, it is a crucial part of making sure your children and family are taken care of after you're gone. Listen in as Nate Reineke and Ben Utley chat with special guest Christine Roberts, an estate planning attorney with a background in ERISA law and over 30 years of experience. She breaks down some common misconceptions and mistakes physicians make when setting up trusts and wills, and delves into how a good estate planning attorney can help you avoid pitfalls. They also look at control group rules and how physicians may be messing up their retirement plans without even realizing it. If you are in Santa Barbara, or California, and want to work with Christine, you can contact her at croberts@mullenlaw.com or (805) 966-1501Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It's time to make a plan and get on track. To find out if we're a match visit physicianfamily.com and click get started or, you can ask a question of your own by emailing podcast@physicianfamily.com. See marketing disclosures at physicianfamily.com/disclosures

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.Welcome to Season 5, Episode 21 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Applying for a Disability Insurance Policy."Thinking about applying for disability insurance? Before you check a box or sign on the dotted line, join disability law expert Nancy L. Cavey for a deep dive into the often-overlooked first step in protecting your income: the application process. In this episode, Nancy breaks down why disability insurance is so important - especially for professionals, business owners, and anyone planning for life's what-ifs - and what really happens when you apply. We cover the essentials: What's under the hood of an application? What medical or occupational info matters most? And what are the red flags that could trigger a denial - or follow you to future applications? Nancy explains how to avoid the most common and costly mistakes, how insurers evaluate risk, and how to protect your insurability now and later. Whether you're new to disability insurance, in the middle of applying, or trying to recover from a denial, this episode is your practical guide to starting smart. Because getting covered is more than just paperwork - it's the first step in securing your financial future. Let's get started.In this episode, we'll cover the following topics:One - What Are the Six Common Reasons an Application for Disability Insurance Coverage Is Denied by Disability Carriers?Two - How Can a Disability Carrier's Refusal to Offer You a Disability Policy Impact Your Ability to Find Disability or Life Insurance?Three - What Are the Three Types of Underwriting in Issuing an Individual Disability Insurance Policy, and Why Does It Make a Difference to You?Whether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals. 

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.Welcome to Season 5, Episode 20 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Questions About Disability Insurance, Policies, and Claims."What do you really need to know about disability insurance, policies, and claims – before, during, and after you file? In this episode, disability law expert Nancy L. Cavey answers key questions about how disability insurance works, what your policy actually covers, and why valid claims still get denied. We cover the essentials: Should you supplement your Short-Term Disability? What if you're not seeing the right kind of doctor? And how can you protect your claim from the start? Nancy also answers listener questions about Long-Term Disability appeals, rare or misunderstood conditions, and how to advocate for yourself when symptoms aren't easy to document. This isn't just about fine print - it's about real strategies for real people navigating a complicated system. Whether you're in the middle of a claim, planning ahead, or just trying to understand the process, this episode is your guide to making sense of disability insurance. Let's get started.In this episode, we'll cover the following topics:One - Should I Get Flex DI Insurance to Supplement My Short-Term Disability Benefits?Two - Can a Disability Insurance Carrier Rightfully Deny a Claim if You Don't Treat With a Specialist?Three - Listener-Submitted QuestionsWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals. 

In this episode we're talking to Chelsea Ryckis, President of Ethos Benefits on what it means to view your health plan through the eyes of a fiduciary and how that perspective could lead to savings and improved benefits for your employees. Chelsea presented on this topic at the 2024 International Society of Certified Employee Benefit Specialists Symposium. Hear many other great presentations like hers at this year's Symposium! https://www.iscebs.org/symposium Check out Chelsea's own podcast from Ethos Benefits: https://businessofbenefitspodcast.com/ Don't forget - if you manage an ERISA plan, you're legally required to think (and act!) like a fiduciary. The International Foundation has your back with everything you need to know about your fiduciary duties in one easy-to-understand e-learning course. It's a great option to learn about your duties for the first time or brush up on them: https://www.ifebp.org/education---events/virtual-education-and-webcasts/e-learning-course/e-learning-courses/fiduciary-responsibility-for-erisa-plans

Nevin (Adams) & Fred (Reish) brought their prolific,pugnacious, and provocative perspectives in a live podcast format to the record-breaking NAPA 401(k) Summit. In part 1 the precocious podcasting pair talked about anumber of lessons to be learned from recent litigation, including:     - Who bears the burden of proof in ERISA litigation—according to the United States Supreme Court (bad policy, but “good” law)?- A rare jury trial—and a BIG settlement.  Why they're rare (but may become more common).  Oh, and it involved a multiple employer plan (MEP).   - Fred clarifies his prediction on PEPs (but he's still a fan).In part 2, the pugnacious pair presciently pontificated on:      - What to make/do about the recent surge in litigation regarding plan forfeitures;    - What to consider in light of recent developmentsregarding private investments in defined contribution plans;    - The implications of/for proxy voting by definedcontribution plans in the aftermath of recent litigation regarding American Airlines.Episode ResourcesForfeituresForfeiture Litigation Update Impact of Forfeiture Lawsuits on Plan SponsorsAlternative/Private Investment TrendsThe Growing Case for Alternatives in Retirement Saving: NAPA 401(k) SummitHow Advisors REALLY Feel About Private Markets Investments in 401(k)sProxy Voting How Fiduciaries Can/Should Fulfill Proxy Voting Responsibilities: HauserTrump-led DOL to Address ESG Rule Through Rulemaking Process

First Time Homebuyers Hit a Record Low With the high cost of housing and higher interest rates, people trying to get their first home dropped to a record low around 23% in 2024. The average age of the first-time homebuyer has increased 10 years over the historical average to 38 years old. The median income is now $97,000 and the first-time home buyers are coming up with an average down payment of 9% of the value of the home. Many of these young buyers are using FHA loans, which require a very small down payment and according to research roughly 30% of all FHA mortgages have a debt service ratio of over 50%. This means more than half of these buyers' incomes is going toward servicing debt. This could be a hard pill to swallow for young buyers with not much money left over for luxuries like vacations and new cars. However, if when they buy the home, they understand that if they really tighten their belts for the next three to four years, they will probably be fine. New home builders are doing what they can to try and get rid of the largest inventory of unsold homes on their lots since 2009. The median price of a new home is currently less than one percent higher than the median price of existing properties, which historically has seen a 17% premium. The home builders are using profits from their homes to buy down mortgages. Even though the 30-year mortgage was recently around 6.8%, home builders can buy these mortgages down which led buyers of new homes to a rate around 5%. Buying down these rates has cost home builders about 8% of the purchase price of the home. This reduces their profits but better than the alternative of sitting on unsold homes with a carrying cost for the builder. I don't see this situation getting better anytime soon because I'm not looking for a large decrease in mortgage rates and incomes over the next year will probably increase somewhere around 3 to 4%. We continue to believe the rapid increase in the price of homes over the last few years will not last and it will now take some time to get back to normal market. Maybe we will see a better real estate market in 2027 or 2028.   Is Bitcoin coming to your 401k? I have been concerned with bitcoin and crypto as a whole for several years for many reasons including fraud, illicit activity, and the fact that there is really no way to derive an intrinsic value for it since there is no earnings, cash flow, or anything really backing the asset class. I was disappointed to see the current Labor Department removed language that cautioned employers to exercise “extreme care” before making crypto and related investments available to their workers. They cited “serious concerns” about the prudence of exposing investors' retirement savings to crypto given “significant risks of fraud, theft, and loss.” While this isn't necessarily a full-on endorsement for placing crypto in 401k plans, it definitely seems like the administration is continuing on its path to try and normalize crypto as an established asset class. Even with this change in language I would be surprised to see a huge surge in cryptocurrencies within 401k plans. Ultimately, ERISA bestows a fiduciary duty on employers and company officials overseeing 401k investments and that means legally employers must put the best interests of 401(k) investors first and act prudently when choosing which investments to offer (or not offer). Given the extreme volatility within crypto I believe it would be a huge risk for these companies to offer it as it could open them up to lawsuits if there are major declines. We'll have to see what other changes are made as time progresses, but I don't believe crypto has any place within a 401k plan at this time.   Inflation report shows continued progress The personal consumption expenditures price index, which is also known as PCE and is the Federal Reserve's key inflation measure, showed an annual increase of just 2.1%. Core PCE, which excludes food and energy, showed a gain of 2.5%. Both results were 0.1% below their respective estimates. Overall, inflation has continued to cool and is now quite close to the Fed's 2% target. The question that remains is how will tariffs ultimately impact inflation? An economist from Pantheon Macroeconomics said that he believed core PCE would peak later this year between 3.0% and 3.5%, if the current mix of tariffs remained in place. I would say it is difficult to forecast the tariff impact since we don't know what will ultimately be passed on to the end consumer. It will definitely be interesting to see what numbers look like in the coming months, but ultimately, I believe most of the concerns around inflation are overblown and even if the rate for PCE is around 3%, I don't see that as being problematic for the economy.     Financial Planning: What it Means to be an Accredited Investor An accredited investor is someone who meets specific income or net worth thresholds—such as earning over $200,000 annually ($300,000 with a spouse) or having over $1 million in net worth excluding their home—and is allowed to invest in private securities offerings not registered with the SEC. These investments, which include private REITS, private equity, hedge funds, and startups, often promise high returns but carry significant risks such as illiquidity, limited transparency, and the potential for total loss. While many of these offerings are only available through fiduciary advisors—who are legally obligated to act in their clients' best interest—investors must still exercise caution. Fiduciary duty applies only in certain contexts (such as investment advice) and may not extend to related areas like insurance or commission-based products. Additionally, what qualifies as “acting in your best interest” is often subjective and open to interpretation. Working with a fiduciary does not guarantee protection, and investors should remain vigilant, ask questions, and independently evaluate any recommendation. Also, private investments aren't necessary better than public investments, so just because you qualify as an accredited investor doesn't mean you should be investing in private securities.   Companies Discussed: Regeneron Pharmaceuticals, Inc. (REGN), Intuit Inc. (INTU), Target Corporation (TGT) & Toll Brothers, Inc. (TOL)

In this episode of Friday Fiduciary Five, Eric Dyson talks about the Department of Labor's (DOL) Compliance Assistance Release 2025-01, effective May 28, 2025, which rescinds previous DOL and EBSA guidance on cryptocurrency in 401(k) plans. The DOL clarifies that the "extreme care" standard mentioned in the 2022 release does not exist in ERISA; instead, it refers to the duty of loyalty and prudence. Eric remains skeptical about including cryptocurrencies in 401(k) plans until evidence shows improved participant outcomes. He emphasizes that sophisticated investors should handle such investments individually, not through their 401(k) plans, to avoid overly complex investments for the average employee.Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/ The information contained herein is general in nature and is provided solely for educational and informational purposes.It is not intended to provide a specific recommendation of any type of product or service discussed in this presentation or to provide any warranties, financial advice, or legal advice.The specific facts and circumstances of all qualified plans can vary, and the information contained in this podcast may or may not apply to your individual circumstances or to your plan or client plan specific circumstances.

Adam Bergman is the founder of IRA Financial, is a U.S.based fintech company specializing in self-directed retirement accounts, offering a platform for individuals to invest their retirement funds in alternative assets.  Why you should listen Founded by Adam Bergman, a former tax and ERISA attorney, IRA Financial empowers individuals to take control of their retirement funds through self-directed IRAs and Solo 401(k)s. Unlike traditional retirement accounts that limit you to stocks and bonds, IRA Financial opens the door to alternative investments like real estate, precious metals, private placements, and even cryptocurrencies. With over 24,000 clients and $3.2 billion invested in alternative assets, they're making diversification more accessible than ever. IRA Financial offers IRAfi Crypto, a platform that allows you to buy, sell, and trade cryptocurrencies within your retirement account 24/7. Partnered with Bitstamp, it supports over 30 popular tokens, including Bitcoin and Ethereum. The best part? There's no need to set up an LLC, and they handle all IRS reporting for you. For a $100 annual fee and a 1% trading fee, you get full control over your crypto investments, all within a tax-advantaged account . It's a modern twist on retirement planning, giving you the freedom to invest in the digital assets shaping our future. Supporting links Stabull Finance IRA Financial Andy on Twitter  Brave New Coin on Twitter Brave New Coin If you enjoyed the show please subscribe to the Crypto Conversation and give us a 5-star rating and a positive review in whatever podcast app you are using.

Welcome to a special edition of We get work®, recorded live from Workplace Horizons 2025 in New York City, Jackson Lewis's annual Labor and Employment Law Conference. Over 500 representatives from 260 companies gathered together to share valuable insights and best practices on workplace law issues impacting their business today. Here's your personal invitation to get the insights from the conference, delivered directly to you. 

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.Welcome to Season 5, Episode 19 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Understanding CPET Examinations with Guest Dr. Betsy Keller."What if one test could offer the hard proof patients with ME/CFS, Long COVID, and fibromyalgia have been waiting for? Join disability law expert Nancy L. Cavey as she dives into one of the most important – and misunderstood – tools in chronic illness advocacy today: Cardiopulmonary Exercise Testing, or CPET. Often overlooked or mischaracterized, CPET isn't just another stress test. It's a scientifically rigorous way to measure functional limitations that traditional tests often miss. In this episode, Nancy is joined by Dr. Betsy Keller, a nationally recognized leader in exercise science and a pioneer in using CPET to support patients in both medical and legal arenas. Together, they break down what CPET is, how it works, and why it's gaining traction in disability claims – especially for those whose conditions have long been doubted or dismissed. But CPET isn't without controversy. We'll explore how insurers evaluate these tests, what makes a CPET legally credible, and the ethical challenges of asking chronically ill patients to push their limits in pursuit of validation. This is more than a medical deep dive – it's a critical conversation about science, strategy, and the fight to have invisible illnesses taken seriously in the eyes of the law. Don't miss it.If you'd like to follow along with slides mentioned in this episode, follow this link: https://www.youtube.com/watch?v=NrZiDVo3W8QIn this episode, we'll cover the following topics:One - Introduction to and Foundations of CPETTwo - CPET in the Context of Long-Term DisabilityThree - Best Practices and AdviceWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals. 

Check the episode transcript hereABOUT ADAM BERGMAN Adam Bergman is an author, former tax and ERISA attorney, and the founder of IRA Financial - an industry leader in self-directed retirement solutions. Through Adam's leadership, IRA Financial has helped over 25,000 clients take control over their retirement and invest over $4.6 billion of retirement funds into alternative assets. Adam has authored 9 books on self-directed retirement plans, and is a leading voice in the self-directed retirement industry.    Prior to starting IRA Financial, Mr. Bergman was a tax and ERISA attorney at White & Case LLP, Dewey LeBoeuf LLP, and Thelen LLP, three of the most prominent corporate law firms in the world. He received his B.A. (with distinction) from McGill University and his law degree (cum laude) from Syracuse University College of Law. He then went on to receive his Masters of Taxation (LL.M.) from New York University School of Law. He is a member of the Tax Division of the American Bar Association and New York State Bar Association.  THIS TOPIC IN A NUTSHELL: Adam's career and transition to retirement advisoryWhat Is a Self-Directed IRA?Tax Benefits of Self-Directed IRAsSolo 401(k)s for Business OwnersIRA Financial's Client ExperienceCommon Use Cases for Real Estate InvestorsFreedom of Investment ChoiceSolo 401(k) vs IRA: Key DifferencesThe Power of Compounding & Roth AccountsConnect with Adam  KEY QUOTE:  "The goal isn't just to get rich. It's to get rich tax-free."  ABOUT THE WESTSIDE INVESTORS NETWORK   The Westside Investors Network is your community for investing knowledge for growth. For real estate professionals by real estate professionals. This show is focused on the next step in your career... investing, for those starting with nothing to multifamily syndication.     The Westside Investors Network strives to bring knowledge and education to real estate professionals that is seeking to gain more freedom in their life. The host AJ and Chris Shepard, are committed to sharing the wealth of knowledge that they have gained throughout the years to allow others the opportunity to learn and grow in their investing. They own Uptown Properties, a successful Property Management, and Brokerage Company. If you are interested in Property Management in the Portland Metro or Bend Metro Areas, please visit www.uptownpm.com. If you are interested in investing in multifamily syndication, please visit www.uptownsyndication.com.   #RealEstateInvesting #SelfDirectedIRA #Solo401k #TaxFreeInvesting #AlternativeAssets #RetirementPlanning #WealthBuilding #IRAInvesting #FinancialFreedom #PassiveIncome #InvestWithIRA #DiversifyYourPortfolio #CheckbookControl #RothIRA #PreTaxIRA #TaxDeferredGrowth #HardAssets #TangibleAssets #SelfDirected401k #RealEstateIRA #PrivateInvestments #RealAssets #IRACompliance #InvestmentFreedom #RetirementWealth #AssetControl #SmartInvesting #WealthStrategy #RecessionResistant #LongTermWealth CONNECT WITH ADAM:Website: https://www.irafinancial.comYouTube: IRA FinancialLinkedIn: https://www.linkedin.com/in/adambergman1  CONNECT WITH US   For more information about investing with AJ and Chris:  ·    Uptown Syndication | https://www.uptownsyndication.com/  ·    LinkedIn | https://www.linkedin.com/company/71673294/admin/   For information on Portland Property Management:  ·    Uptown Properties | http://www.uptownpm.com  ·    Youtube | @UptownProperties     Westside Investors Network  ·    Website | https://www.westsideinvestorsnetwork.com/  ·    Twitter | https://twitter.com/WIN_pdx  ·    Instagram | @westsideinvestorsnetwork  ·    LinkedIn | https://www.linkedin.com/groups/13949165/  ·    Facebook | @WestsideInvestorsNetwork  ·    Tiktok| @WestsideInvestorsNetwork  ·    Youtube | @WestsideInvestorsNetwork  

Today's workplace realities are rewriting the HR playbook. That's according to Johnny C. Taylor, Jr., CEO of SHRM, the Society for Human Resource Management, and their 2025 State of the Workplace report.Johnny shares what the research reveals about employees' expectations and the challenges facing HR decision makers today. Host Rodney Bolden shares findings from Morgan Stanley at Work's own State of the Workplace study, and together they dive into what's driving change in recruitment, benefits, employee experience, leadership development, and the growing role of AI in the future of work and in workplace benefits—all topics we'll explore in more depth on this season of Invested at Work. Follow Invested at Work wherever you listen to or watch podcasts. Visit MorganStanley.com/atwork for more insights on workplace financial benefits. Invested at Work is brought to you by Morgan Stanley at Work, hosted by Rodney Bolden. Our executive producers are Fiona Kelsey and Lisa Boyce. Our production partner is Sequel Media Inc.The guest speaker is neither an employee nor affiliated with Morgan Stanley Smith Barney LLC. Opinions expressed by the guest speaker are solely his or her own and do not necessarily reflect those of Morgan Stanley Smith Barney LLC.The information and data presented may be deemed reliable; however, their accuracy and completeness is not guaranteed by Morgan Stanley and providing you with this information is not to be considered a solicitation on our part with respect to the purchase or sale of any securities, investments, strategies or products that may be mentioned.When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley's role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account.Artificial intelligence (AI) is subject to limitations, and you should be aware that any output from an AI-supported tool or service made available by the Firm for your use is subject to such limitations, including but not limited to inaccuracy, incompleteness, or embedded bias. You should always verify the results of any AI-generated output.Employee stock plan solutions are offered by E*TRADE Financial Corporate Services, Inc., Solium Capital LLC, Solium Plan Managers LLC and Morgan Stanley Smith Barney LLC (“MSSB”), which are part of Morgan Stanley at Work.Morgan Stanley at Work services and stock plan accounts are provided by wholly owned subsidiaries of Morgan Stanley.Morgan Stanley at Work stock plan accounts were previously referred to as Shareworks, StockPlan Connect or E*TRADE stock plan accounts, as applicable. Equity Edge Online® employee stock plan solutions are offered by E*TRADE Financial Corporate Services, Inc. and are part of Morgan Stanley at Work.In connection with stock plan solutions offered by Morgan Stanley at Work, securities products and services are offered by MSSB, Member SIPC. E*TRADE from Morgan Stanley is a registered trademark of MSSB. All entities are separate but affiliated subsidiaries of Morgan Stanley. The laws, regulations, and rulings addressed by the products, services, and publications offered by Morgan Stanley and its affiliates are subject to various interpretations and frequent change. Morgan Stanley and its affiliates do not warrant these products, services, and publications against different interpretations or subsequent changes of laws, regulations, and rulings. Morgan Stanley and its affiliates do not provide legal, accounting, or tax advice. Always consult your own legal, accounting, and tax advisors.Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.CRC 4395861 04/2025

In this episode of Friday Fiduciary Five, Eric Dyson talks about the recent surge of forfeiture lawsuits and urges plan fiduciaries, advisors, and committee members to scrutinize their fiduciary processes rigorously. Referencing previous episodes on the topic, Dyson summarizes lawsuits filed by the Schlichter Bogard law firm, which allege that plan sponsors violated fiduciary duties by not using forfeitures in accordance with plan documents, thereby contravening the duty to follow plan terms consistent with ERISA. He emphasizes the importance of reviewing plan documents, operating plans as intended, and clearly outlining policies on forfeitures to mitigate litigation risks. Use the keyword “90north”: https://www.fiduciaryinabox.com/ Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/ The information contained herein is general in nature and is provided solely for educational and informational purposes.It is not intended to provide a specific recommendation of any type of product or service discussed in this presentation or to provide any warranties, financial advice, or legal advice.The specific facts and circumstances of all qualified plans can vary, and the information contained in this podcast may or may not apply to your individual circumstances or to your plan or client plan specific circumstances.

In this episode, host Stacey Richter speaks with Ann Lewandowski about whistleblowing in the healthcare industry, focusing on a significant case involving a whistleblower at an employee benefit consultant (EBC) firm. This EBC allegedly pocketed their clients' pharma rebates, violating the Consolidated Appropriations Act of 2021.  The discussion highlights the nuances of being a whistleblower, the ethical dilemmas faced, compliance challenges, and the significant financial implications for companies and individuals involved in illegal activities.  Ann Lewandowski provides insights into documenting and protecting oneself legally and discusses the broader context of trust and transparency in the healthcare sector. Click through to the show notes below to access all of the mentioned links and prior episodes mentioned. === LINKS ===

Nevin (Adams) & Fred (Reish) brought their prolific,pugnacious, and provocative perspectives in a live podcast format to the record-breaking NAPA 401(k) Summit.That's right, at the mid-point of the 2025 NAPA 401(k)Summit, the precocious podcasting pair talked about a number of lessons to be learned from recent litigation, including:Who bears the burden of proof in ERISA litigation—according to the United States Supreme Court (bad policy, but "good" law)? A rare jury trial—and a BIG settlement.  Why they're rare (but may become more common).  Oh, and it involved a multiple employer plan (MEP).Fred clarifies his prediction on PEPs (but he's still a fan).And that's just Part 1! Episode Resources Burden of Proof RulingSupremes Back Cornell Plaintiffs in ERISA Burden of ProofStandardOral arguments in the case:  Supremes Hear ERISA Burden of Proof CaseThe Cornell University Litigation “Saga”  https://www.napa-net.org/header/search/?q=cornellERISA Jury TrialsJury Slaps Pentegra with $39 Million in Damages in MEPExcessive Fee SuitFidelity Wins Motion on Jury DemandPEP PerspectivesNevin & Fred: Could a Predominant PEPs Prediction ProvePositive?PEPs Will Match Single Employer Plan Adoption in 5 to 10 Years: Fred Reish

For over 20 years, Shannon and her team at TriStar Pension Consulting have acted as a secret weapon for financial advisors, CPAs, small businesses, and plan sponsors. They are the go-to resource for plan design, fixing broken retirement plans, client presentation support, and high-touch customer service.Since starting the firm over two decades ago, her goal has been to provide a deeper level of retirement plan knowledge and service for clients, as well as a flexible workplace for employees. Today, they are one of the leading providers of retirement plan administration for small businesses.Shannon is a credentialed member of the American Society of Pension Professionals and Actuaries (ASPPA) and the National Institute of Pension Administrators (NIPA). She currently serves on the ASPPA Leadership Council and as a member at large on the board of directors of the American Retirement Association (ARA). Shannon co-chaired the ARA Women in Retirement Conference (WiRC) as well as the ASPPA TPA Growth Summit. She has also served on several fundraising committees and supports many non-profits locally, such as Infant Crisis Services, Make a Wish Oklahoma, and Cleats for Kids.If you are a financial advisor, CPA, or business owner with retirement plan questions, please be sure to connect with Shannon on LinkedIn. You can also email her at shannon@tristarpension.com.In this episode, Eric and Shannon Edwards discuss:Courtroom insights reveal real fiduciary risks Unlicensed, unbiased guidance fills a critical gap Military backgrounds bring strategic value to finance Proactive planning improves outcomes Key Takeaways:Litigation shows that inadequate documentation, unclear investment policies, and ignoring DOL guidance are common pitfalls that expose plan sponsors to ERISA lawsuits.By operating outside traditional financial licenses, 90 North Consulting offers compliance-free, litigation-informed fiduciary support tailored to plan sponsors' needs.The transition from service member to financial consultant highlights the adaptability, discipline, and leadership needed to navigate complex regulatory environments.Fostering financial literacy, implementing debt management strategies, and engaging in continuous plan improvement can close the retirement savings gap and safeguard both employees and employers.“[The single most overlooked risk is doing nothing]. There's a risk in sticking with the status quo and not looking at how to make your plan better." - Eric DysonConnect with Shannon Edwards:Website: https://www.tristarpension.com/ LinkedIn: https://www.linkedin.com/in/shannonedwardsplanconsultant/ Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/ The information and content of this podcast are general in nature and are provided solely for educational and informational purposes. It is believed to be accurate and reliable as of the posting date, but may be subject to change.It is not intended to provide a specific recommendation for any type of product or service discussed in this presentation or to provide any warranties, investment advice, financial advice, tax, plan design, or legal advice (unless otherwise specifically indicated). Please consult your own independent advisor as to any investment, tax, or legal statements made.The specific facts and circumstances of all qualified plans can vary, and the information contained in this podcast may or may not apply to your individual circumstances or to your plan or client plan-specific circumstances.

In this episode of Friday Fiduciary Five, Eric Dyson talks about the Cunningham vs. Cornell Supreme Court decision and its implications for ERISA plans and the potential implications for Health Plans based on the Consolidated Appropriations Act (“CAA”). He emphasizes that the decision does not change how fiduciaries should operate but highlights guidance that is already in place. Eric explains prohibited transactions in ERISA plans, the necessity of ERISA 408(b)(2) disclosures, and the importance of reasonable fees. He also extends these requirements to health plans under the Consolidated Appropriations Act, advising plan sponsors to ensure proper fee disclosures and fiduciary processes for both retirement and health plans.Use the keyword “90north”: https://www.fiduciaryinabox.com/ Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/ The information contained herein is general in nature and is provided solely for educational and informational purposes.It is not intended to provide a specific recommendation of any type of product or service discussed in this presentation or to provide any warranties, financial advice, or legal advice.The specific facts and circumstances of all qualified plans can vary, and the information contained in this podcast may or may not apply to your individual circumstances or to your plan or client plan specific circumstances.

Gina Alsdorf has more than 15 years of experience in employee benefits, working on complex issues involving ERISA, employee benefit plans, and related laws. Her past clients include trustees, plan committees, plan sponsors, consultants, registered investment advisors, broker-dealers, banks, insurance companies, third-party administrators, and recordkeepers for retirement plans and individual retirement accounts. Gina received her JD, cum laude from University of Georgia Law School and was awarded an LLM in Employee Benefits with honors, from the University of Illinois, Chicago Law School.In this episode, Eric and Gina Alsdorf discuss:Evaluating PBM contracts with expert oversightPrioritizing transparency in pricing modelsAlign PBM incentives with participant outcomes, if possibleInvest in education and oversight for long-term successKey Takeaways:Engage legal and consulting professionals to analyze contract terms, ensuring alignment with fiduciary responsibilities and plan objectives.Understand the financial structure of PBM arrangements, favoring models that clearly show how costs and profits are distributed.Select partners and structures that place plan participant benefit above corporate profit, especially in vertically integrated PBM organizations.Encourage continuous learning and mentorship among benefit managers to adapt to a complex and evolving pharmacy benefits landscape.“ERISA does not give you the duty to go for the cheapest price. You're supposed to get the best service for the money for your people.” - Gina AlsdorfConnect with Gina Alsdorf:Website: https://www.carltonfields.com/team/a/gina-alsdorf LinkedIn: https://www.linkedin.com/in/gina-alsdorf/ Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/ The information and content of this podcast is general in nature and is provided solely for educational and informational purposes. It is believed to be accurate and reliable as of the posting date, but may be subject to change.It is not intended to provide a specific recommendation for any type of product or service discussed in this presentation or to provide any warranties, investment advice, financial advice, tax, plan design, or legal advice (unless otherwise specifically indicated). Please consult your own independent advisor as to any investment, tax, or legal statements made.The specific facts and circumstances of all qualified plans can vary, and the information contained in this podcast may or may not apply to your individual circumstances or to your plan or client plan-specific circumstances.

The shadow docket strikes once again! We break down the Court's unusual immigration ruling in AARP v. Trump (no, not that AARP!), and then briefly discuss the much-heralded ERISA case (Cunningham v. Cornell). But first we discuss some blog news, some SCOTUS news, and some SCOTUSblog news.