401(k) Roundtable

Episode Description

When I first started to research this episode, the idea of talking about financial wellness with what I thought of as a tax or accounting firm seemed a bit off the mark. However, after my first conversation with our guest Kent Allison, a Partner and National Leader of PwC's Employee Financial Wellness Practice all my concerns quickly went away! As you will hear, not only does Kent and his team advise large multi-national organizations on financial wellness strategies, but he is also the author of the PwC Annual Employee Financial Wellness Survey which is now in its seventh year. Kent were able to get together while he was in Los Angeles and record this episode where he shares his expertise and perspective on topics such as the key differences between financial literacy programs and financial wellness, what obstacles can impact the success of a financial wellness program and how poor financial health can have a bigger impact on your employees than poor physical health. Also, be sure to listen for some great ideas on helping HR & Finance communicate effective about employee financial wellness.

To download a copy of the PwC Financial Wellness Survey go to www.401kfridays.com/pwc. While you are there, be sure to subscribe to the podcast and our email list so you don't miss any future episodes!

I hope you enjoy my conversation with Kent!

Guest Bio

Kent is the National Leader of PwC's Employee Financial Wellness Practice, which specializes in providing un-biased financial wellness and counseling services to employees of domestic and multi-national organizations.

Recognized as one of the world's leading advocates of employee financial wellbeing, and the author of PwC's Annual Employee Financial Wellness Survey, Kent has served as a strategic advisor to leading financial institutions, worked with various government entities focused on improving financial literacy, consulted with the US Military to address the needs of its personnel and is involved with various initiatives in the not-for-profit and charitable arena.

He is a regular guest speaker at conferences across the globe, is frequently quoted in the press and has served as technical advisor and key contributor to four books on financial planning.

​He is a CPA, a Personal Financial Specialist, a graduate of Rutgers College and a long, suffering fan of their sports teams.

401(k) Fridays Podcast Overview

Helps employers navigate the evolving retirement benefits landscape through weekly engaging interviews with industry leaders, subject matter experts and progressive employers with unique viewpoints. The diverse in-depth perspectives and relevant topics help employers make more informed decisions about their retirement benefit programs which will positively impact their employees and business. For more information please visit www.401kfridays.com/podcasts.

Episode Description

Thanks to my parents diligently setting aside money in savings bonds and my decision to attend an in-state school I was very fortunate to graduate from college nearly twenty years ago without the burden of student loan debt to repay. However, for many people over the years and especially today, that is not the case. My guest, Tony Aguilar, the co-founder and CEO of Student Loan Genius does a great job of laying out the realities and challenges for many of your employees who have student debt. What you might be surprised to hear is that nearly half of your workforce could be impacted and its not just a millennial thing! Tony also does a nice job framing how employers have been adding solutions to help employees with their student loan debt as part of their wellness programs and how some employers are even making contributions towards employee student loans as a recruiting and retention tool! What is the tie in to retirement you ask, well it wouldn't be the 401(k) Fridays podcast if we didn't address that at some point. As you will hear, paying off debt has an impact on your employees' ability to save for retirement, however I was pretty excited to learn about some of the new tools and resources employers may offer to help to tackle both loan repayments and retirement savings!

Thank you to our email subscribers for submitting questions ahead of time, I was able to work many of the into our conversation. If you are not on our email list go to www.401kfridays.com/subscribe and join today!

I learned a lot from this episode, I hope you do as well.

Guest Bio

Tony Aguilar is co-founder and CEO of Student Loan Genius, Austin-based inventor of the first complete student loan employer benefits solution. Today he uses his years of experience as a financial advisor and founder of Amiti Advising and Campus Slice to help crush America's $1.3 trillion student loan problem. Featured in the Wall Street Journal, Money Magazine, and on CNN, his commitment to helping professionals get ahead and live a life free from debt is the common thread in all of his work. When he's not leading the team at Student Loan Genius, Tony is spending time with his 3-year old daughter. He can also be found guest lecturing at the University of Texas and Concordia University on entrepreneurship and personal finance, serving as Chairman of Concordia University's Emerging Leaders Advisory Board, or mentoring fellow social entrepreneurs and startups.

401(k) Fridays Podcast Overview

Helps employers navigate the evolving retirement benefits landscape through weekly engaging interviews with industry leaders, subject matter experts and progressive employers with unique viewpoints. The diverse in-depth perspectives and relevant topics help employers make more informed decisions about their retirement benefit programs which will positively impact their employees and business. For more information please visit www.401kfridays.com/podcasts.

Episode Description

You might be asking yourself, what else is there and why should I consider any investment vehicle other than a mutual fund? Well, if those thoughts passed through your head, this episode is a great way to get answers to those questions! To explore the topic I have Jeff Kletti, a CFA and the Senior Vice President of Investments at Wells Fargo Institutional Retirement Trust with me today. With all of the attention and focus on 401(k) plan fees and the rapid improvements in technology, alternative investment vehicles such as Collective Investment Trusts, commonly referred to as CITs, Separate Accounts and Exchange Traded Funds otherwise know as ETFs are gaining more assets each year within 401(k) plans. We start with thoughts on why retirement plan sponsors are even entertaining investment vehicles beyond traditional mutual funds. Then we unravel how they are either similar or different from mutual funds. Jeff also provides great questions for plan fiduciaries to ask when exploring alternative investment vehicles. My hope is the that you walk, or drive away for that matter, with a better understand of when alternative investment vehicles could make sense and how to evaluate and determine if they would be suitable or beneficial for your plan and participants. As a reminder, we release a valuable new episode each Friday, if you are not already subscribed to the podcast, please visit www.401kfridays.com/subscribe or search 401(k) Fridays on your favorite podcast app today! Now, I hope you enjoy our conversation!

Guest Bio

Jeff Kletti is Head of Investments for Wells Fargo Institutional Retirement and Trust. In this role Jeff is responsible for leading asset consulting, discretionary asset management, investment operations, and the compliance and risk management activities for Wells Fargo Institutional Retirement and Trust's discretionary clients. Wells Fargo Institutional Retirement and Trust provides retirement plan services to more than 5,000 employer-sponsored retirement plans and custody accounts, representing 4 million participants and more than $330 billion in retirement account assets.

Jeff has over 25 years of investment experience. Prior to joining Wells Fargo, he was the director of investment management at Allianz Investment Management SE. In this position Jeff served as president of AIM LLC, a registered investment adviser, portfolio manager AZL Fusion Funds, chairman of the AZL Funds board of trustees, and trustee of the Allianz of America pension committee.

Jeff holds a B.A. in finance from the University of Wisconsin - Milwaukee and an MBA in finance from the University of Minnesota. He is a CFA® charter holder.

401(k) Fridays Podcast Overview

Helps employers navigate the evolving retirement benefits landscape through weekly engaging interviews with industry leaders, subject matter experts and progressive employers with unique viewpoints. The diverse in-depth perspectives and relevant topics help employers make more informed decisions about their retirement benefit programs which will positively impact their employees and business. For more information please visit www.401kfridays.com/podcasts.

Episode Description

I am proud to say that this episode, well except for the title, was greatly influenced by input I received from our email subscribers! To everyone who shared feedback on what you wanted me discuss with Tom Clark, ERISA Attorney and Of Counsel at the Wagner Law Group, thank you! As a reminder, as an email subscriber you get advance notice of many of our podcast guests and the opportunity to submit questions and topics for me to cover with them. If you have not subscribed to our email list yet, go to www.401kfridays.com/subscribe today and join the community! In my conversation with Tom, based on your feedback we first focus on the current trends in 401(k) litigation and then close with updates on what employers should know about DOL activities. Tom, does a great job breaking things down in an easy to understand, yet impactful way which will leave you with plenty to think about going into 2017. Some of my favorites were his input on how 401(k) lawsuits get started, a behind the scenes glimpse of what plaintiffs' attorneys must do to bring a 401(k) lawsuit and some changes and decisions many plan sponsors should anticipate in the coming months due to recent DOL activity. After you listen, love to hear your perspectives on whether 2017 will bring you and your fellow plan fiduciaries, pain or help you continue down a path towards gain! Send me an email at [email protected]. This is a fast moving and information packed episode, enjoy!

Guest Bio

Tom is Of Counsel with The Wagner Law Group, a law firm specializing in ERISA & Employee Benefits, Estate Planning, and Employment, Labor & Human Resources Law. His expertise encompasses all aspects of employee benefits programs, including the design, implementation and compliance of retirement plans, health and welfare plans, and executive and incentive compensation arrangements. He also has a robust practice assisting industry service providers in meeting their ERISA compliance and general business needs. Tom is also a well-seasoned ERISA litigator. Earlier in his career, he worked for the law firm of Schlichter, Bogard & Denton including on such landmark cases as Tibble v. Edison, which was heard this year by the U.S. Supreme Court. Tom is Editor-in-Chief of the Fiduciary Matters Blog, a blog visited over 150,000 times since its first publication in March 2013. He also teaches ERISA Fiduciary Law as an Adjunct Professor at the Washington University in St. Louis School of Law, his alma mater.

401(k) Fridays Podcast Overview

Helps employers navigate the evolving retirement benefits landscape through weekly engaging interviews with industry leaders, subject matter experts and progressive employers with unique viewpoints. The diverse in-depth perspectives and relevant topics help employers make more informed decisions about their retirement benefit programs which will positively impact their employees and business. For more information please visit www.401kfridays.com/podcasts.

Episode Description

Alright, let me know if you have heard this one, a lawyer, an insurance broker and a retirement consultant walk into a bar, oh that's right this is for the podcast. We'll have to save that one for another time However that does resemble the motley crew we have assembled to discuss the evolving world of cyber risk or cyber threats and how they can impact 401(k) and other employer benefits plans. The lawyer in our conversation is Brian Finch, a partner at Pillsbury Law and member of their Cyber Security Task Force, and the insurance broker is Ben Beeson, SVP and Cyber Risk Practice Leader with Lockton Insurance Brokers. Our conversation starts with a great background and overview of the risks, bad actors, motivations and methods cyber criminals are using to steal money, data, hack organizations or otherwise wreak digital havoc. Next we move into how these evolving cyber threats may impact the retirement industry which obviously has trillions of dollars of assets and very sensitive and personal information on millions of individuals. As a take away, there are some great questions for you to include in your due diligence discussions with your current or potential new service providers, concepts to ensure you explore in your service agreements or contracts and other information to help you walk away with strategies to help keep your employee protected and minimize the risk associated with cyber threats at www.401kfridays.com/cyber. I took a lot away from the information that Brian and Ben shared, I hope you do as well!

Guest Bios

Ben Beeson leads the Cyber Risk Practice at Lockton Companies, the world's largest privately held insurance brokerage. Ben guides boards of directors and executive leadership on how best to mitigate emerging cyber risks to mission critical assets that aligns with the business strategy. His experience ranges from addressing data security and privacy liability to companies in the utility, financial, healthcare, retail, and hospitality industries, to risks from a cyber attack to the energy, transportation, and manufacturing sectors. Prior to moving to Washington D.C., Ben spent most of his career in the UK working within the Lloyd's of London insurance market, an entrepreneurial culture creating innovative solutions to address emerging risks. Ben continues to be involved in the development of US Cybersecurity policy having testified before Congress in 2015, his support in the development and roll out of the NIST framework and through his membership of Business Executives for National Security, (BENS). Ben is a regular author and commentator on Cybersecurity issues with recent appearances on CNN and Fox News and his chapter contribution to the NYSE's first definitive Cybersecurity guide for Directors and Officers entitled "Navigating The Digital Age."

​Brian Finch is a partner in the law firm's Public Policy practice and is based in Pillsbury's Washington, DC office. Named by Washingtonian magazine in 2011 as one of the top 40 federal lobbyists under the age of 40 and by Law360 as one of its "Rising Stars" in Privacy Law in 2014, Brian is a recognized authority on global security matters. He specializes in counseling on regulatory and government affairs issues involving the Department of Homeland Security, Congress, the Department of Defense, and other federal agencies. Brian in particular focuses his practice on assisting clients with matters involving cyber security, national defense and intelligence policies, homeland security concerns, and in general providing proactive advice to mitigate liability in the event of a significant security incident.

401(k) Fridays Podcast Overview

Helps employers navigate the evolving retirement benefits landscape through weekly engaging interviews with industry leaders, subject matter experts and progressive employers with unique viewpoints. The diverse in-depth perspectives and relevant topics help employers make more informed decisions about their retirement benefit programs which will positively impact their employees and business. For more information please visit www.401kfridays.com/podcasts.

Episode Description

This episode is part two of our three part mini course on constructing a 401(k) investment menu. In part one, we covered current thinking, trends and benchmark data on investment menu design, questions to ask your service providers before you start and much more! If you have not listened to that episode, I would encourage you to check it out on iTunes or your favorite podcast app! Now, back to part two where we discuss the next steps of investment menu design, determining the asset classes you will make available to your participants and then selecting individual investment options. To help navigate the conversation I have Jamie Axford, a Director at Putnam Investments. I realize that for some just mentioning the term "asset class" during a plan review or investment discussion can send you scurrying of your phone to check you emails, however I would encourage you to hang in there for our conversation today. Jamie does a great job of defining some words and concepts that many people have heard but might not have fully understood. He also provides some great perspective on reviewing different investments, how some investment scoring systems could lead to riskier investments and some other questions you can bring with you to your next 401(k) investment review!

As a reminder, if you have not subscribed to the podcast or our email list please go to 401kfridays/subscribe today!

Guest Bio

Mr. Axford is Director, DCIO Consultant Relations, at Putnam Investments. In this role, he is responsible for managing relationships with consultants who are focused on the retirement plan space. Mr. Axford joined Putnam in 2012 and has been in the investment industry since 1989. He holds an Accredited Investment Fiduciary (AIF) designation and is also a member of the Association of Investment Management Sales Executives (AIMSE). Mr. Axford holds his Series 6, 7, 24, 63, and 65 licenses with FINRA.

401(k) Fridays Podcast Overview

Helps employers navigate the evolving retirement benefits landscape through weekly engaging interviews with industry leaders, subject matter experts and progressive employers with unique viewpoints. The diverse in-depth perspectives and relevant topics help employers make more informed decisions about their retirement benefit programs which will positively impact their employees and business. For more information please visit www.401kfridays.com/podcasts.

Episode Description

You have likely had someone pitch or discuss with you the idea of introducing financial wellness to your employee population, or if you haven't, the conversation is undoubtedly coming soon! In this episode we tackle the not so simple questions of what is financial wellness, how do we know if someone is financially healthy and is Financial Wellness here to stay or is this another passing fad in the benefits arena. To help explore the topic I have Doug Murray, EVP and Mary Hollingsworth, SVP and Director of Product Strategy at Wells Fargo Institutional Retirement. A few key points to listen for are who should be defining what financial wellness means, employers or their service providers, the motivations around introducing financial wellness to your workforce and how to set goals and measure outcomes for a financial wellness offering. An interesting point that we discuss and one to ponder, if you shift your focus to promoting more holistic financial wellness within your workforce, are you okay that the message some of your employees could get is that it doesn't make sense for them to participate in your 401(k) plan right now? Love to hear your feedback on that, send me an email at [email protected].

If you're not subscribed to our email list already, go to www.401kfridays.com/subscribe, going forward we'll be notifying our email subscribers of future podcast guests and you will have the exclusive opportunity to submit topics or questions for me to address with them on the show!

Guest Bios

Doug Murray is part of the senior leadership team for Wells Fargo Institutional Retirement and Trust. In this role, he is actively involved in setting overall strategic direction for the group. As the national director of institutional sales, Doug leads distribution efforts across all products and market segments.

Doug has more than 30 years of experience in the financial services industry. He received his bachelor's degree from the University of Wisconsin, Madison, with majors in finance and risk/insurance. He holds the Chartered Financial Analyst (CFA) designation and is a member of the CFA Institute.

Doug is active in the retirement industry and in his community. He serves on the Board of Trustees for the Employee Benefit Research Institute (EBRI) and on the Board of Directors at Partnership Resources, Inc., a local nonprofit organization. Doug is also a member of Wells Fargo's Minnesota Leadership Council.

Doug lives in Minneapolis, MN with his wife Karen and teenage children Madison and Ian. His interests include traveling with his family, golf, and cooking.

Mary Hollingsworth is the director of Product Strategy and Positioning for Wells Fargo Institutional Retirement and Trust. In this role, Mary leads institutional product strategy for defined contribution, defined benefit, trust and custody, investments and digital strategies. She also is responsible for the overall positioning and communication of products and services to clients and the external market place.

​Prior to her current role, Mary was director of Participant Solutions. She oversaw the participant experience including the call center, participant education and communication services, and asset retention. Mary joined Wells Fargo in 1999 with responsibility for the call center, client services, training and development, and quality.

​Mary came to Wells Fargo from Fidelity Investments where she served as national director of quality for Retail Operations. Prior to Fidelity Investments, Mary worked at Arthur Andersen as quality officer for the Chicago office operations. Mary received her bachelor's degree in accounting from Marquette University.

401(k) Fridays Podcast Overview

Helps employers navigate the evolving retirement benefits landscape through weekly engaging interviews with industry leaders, subject matter experts and progressive employers with unique viewpoints. The diverse in-depth perspectives and relevant topics help employers make more informed decisions about their retirement benefit programs which will positively impact their employees and business. For more information please visit www.401kfridays.com/podcasts.

Episode Overview

Have you ever wondered why other employers and plan sponsors either stay with or make changes to their retirement service providers? Has it been a little while since you have been out to the market to evaluate your retirement service partners and want to what your peers are looking for in record keepers and consultants? If so, then my conversation with Josh Dietch, Managing Director at Chatham Partners should be helpful! Who is Chatham Partners and how can they speak credibly about what employers are thinking? In short, they are the go to firm the retirement industry uses to gather feedback on their services and analyze why they either were successful or not in a securing or retaining relationships with employers. During my conversation with Josh, we hit on so many great topics such as the valued and commoditized offerings of retirement service providers, how the drive for low fees is forcing providers to ration service, the paradox of participant education and how the new DOL fiduciary rule might impact provider searches and evaluations in the future. There is a little "inside baseball" talk in this episode, but I think you will find it enlightening and could help put some of the responses or strategies of your service providers in perspective. Last thing, I would really be interested to hear which points we covered had you nodding your head in agreement or shaking it in disagreement. Shoot me an email at [email protected] with your thoughts. Now, here we go!

Guest Bio

Joshua Dietch joined Chatham Partners in 2005 and is a Managing Director. In this capacity, Joshua manages research and consulting engagements that focus on client retention and new business development processes. Prior to joining Chatham, Joshua was Director, Product Marketing and Management with ADP Retirement Services managing product development and marketing for ADP's defined contribution and executive deferred compensation products. Earlier in his career, Joshua was a consultant with Cerulli Associates, helping financial service firms with both business strategy and new product development, and previously worked for a subsidiary of the Principal Financial Group. He has been quoted on financial issues for leading publications such as the New York Times, The Wall Street Journal, Pensions and Investments, Investment News and several trade publications, and has also appeared on CNBC. Joshua received his B.A. in History from Bates College.

401(k) Fridays Podcast Overview

Helps employers navigate the evolving retirement benefits landscape through weekly engaging interviews with industry leaders, subject matter experts and progressive employers with unique viewpoints. The diverse in-depth perspectives and relevant topics help employers make more informed decisions about their retirement benefit programs which will positively impact their employees and business. For more information please visit www.401kfridays.com/podcasts.

Episode Summary

If you have ever felt like there is more you can do with or learn from your 401(k) plan data, this is the episode for you! To help explore the topic I am excited to have both John Fitzsimmons, Vice President of Reporting and Analytics and Bryan Hallock Director of Customer Analytics, both with Fidelity Workplace Investing. Despite the focus on what some might consider a dry topic, we had a fast moving and informative conversation. We tackled topics such as why its important for employers who are looking to gain insight from their plan data to get past the averages, how to turn conventional wisdom into quantifiable observations and how with proper analysis of your 401(k) data, you can gain insight that can positively impact your plan, your business and participant retirement outcomes. I also learned a new term, elevator analysis. Take a listen, and let me know if you start using it in conversations going forward! Since I didn't do such a great job of introducing my guests, the first new voice you will hear from is John and the second is Bryan. Last thing, if you're not subscribed to the email list already, go to www.401kfridays.com and subscribe, going forward we will be notifying our email subscribers of our future podcast guests and they will have the exclusive opportunity to submit topics or questions for me to address with them on the show! Now, I hope you enjoy my conversation with John and Brian!

Guest Bios

John Fitzsimmons is vice president of Reporting and Analytics for Fidelity Investments, a diversified financial services firm that makes retirement planning accessible to 23 million customers – from people investing their life savings, to businesses managing their employee benefits, to advisors investing their clients' money.

As vice president of Reporting & and Analytics, John leads a team that is responsible for Fidelity's Executive Insights platform. Leveraging Fidelity's data base of 23 million customers, Executive Insights allows Plan Sponsors to dynamically analyze their participant's retirement readiness and benchmark themselves against their peers.

Mr. Fitzsimmons joined Fidelity in 1995 and has held several leadership positions within Fidelity's Workplace Investing business. Prior to his current role, he John worked in Finance roles across Fidelity.

Mr. Fitzsimmons received his bachelor of arts degree in International Relations from Tufts University, and a Master of Business Administration degree from Boston University.

​

Bryan Hallock is an Atlanta native, receiving his B.S. in Management from the Georgia Institute of Technology, and his M.B.A. in Finance from Georgia State University. He started with Fidelity in Boston in 2004 and now serves as a Director of Workplace Investing Finance - Customer Analytics. In this role, he explores 401(k) participant behavior with the care of a data scientist and a creativity and zeal inspired by "Moneyball". This approach has proved fruitful in understanding the underlying drivers of participant behavior and outcomes, creating actionable metrics that have been communicated to the marketplace, clients, prospects, and policy makers in Washington. Bryan recently received his J.D. (law) degree from Georgia State University and is a member of the State Bar of Georgia.

401(k) Fridays Podcast Overview

Helps employers navigate the evolving retirement benefits landscape through weekly engaging interviews with industry leaders, subject matter experts and progressive employers with unique viewpoints. The diverse in-depth perspectives and relevant topics help employers make more informed decisions about their retirement benefit programs which will positively impact their employees and business. For more information please visit www.401kfridays.com/podcasts.

Episode Description

Just a preview of things to come, your 401(k), it doesn't work outside the U.S.! So, let's go for a trip around the globe to discuss the topics, trends and concepts employers who have employees outside the US should be aware of. With me I have Nick Dobbelbower, PhD, CEBS, DipIEB, GPHR, Vice President and Regional Practice Leader in Lockton's Global Benefits Practice. Whether you have newly acquired international employees or you have been deeply involved with global retirement benefits, or you are just curious what goes on in other countries, this is an incredibility valuable episode. We touch on considerations for employers who are looking to harmonize retirement benefits levels on a global basis, things to know before making any changes to non-US retirement benefits programs and plenty of examples to help you along the way! As a reminder, several episodes, including this one have either been pre-approved or submitted for HR recertification credits by SHRM or HRCI. Click here to see the full list of episodes and simple steps to listen, learn and earn your recertification credits. Now, I hope you enjoy my conversation with professor Nick!

Guest Bio

Nick is the Practice Leader for Intellectual Capital in Lockton's Global Benefits Practice. He is responsible for developing and maintaining comprehensive global benefits resources, including compliance, statutory requirements, market practice, and benchmarking. He ensures that Lockton's global consultants effectively leverage the firm's data and information resources to address the needs of their multinational clients.

He manages a team of research consultants who work with Lockton global offices to develop statutory and market practice information on employee benefits provisions around the world. Nick also works directly with multinational clients to develop, implement, and support international employee benefits strategies, including local employee benefits, business travel and expatriate programs, regional plan consolidation, and multinational pooling and captives.​

Nick brings to Lockton a well-rounded professional and academic background. His professional experience includes extensive international consulting and research work with multinational clients and establishing and managing affiliate relationships. He has presented at numerous professional conferences and contributed to leading industry publications on international benefits topics. His academic experience includes faculty positions and French and Francophone studies at Macalester College, Bucknell University, and Duke University.

​Nick is fluent in French and proficient in Spanish and Italian. He also has experience in web and graphic design. In his down time, he participates in charity bicycle races and marathons.

​Professional Designations and Affiliations

• ™ Diploma in International Employee Benefits (DipIEB)

• ™ Certified Employee Benefits Specialist (CEBS)

• ™ Global Professional in Human Resources (GPHR)

• ™ Certificate in Global Benefits Management (IFEBP)

• ™ Certificate in International Benefits (IBIS Academy)

• ™ Life, Accident, and Health Insurance License

401(k) Fridays Podcast

Helps employers navigate the evolving retirement benefits landscape through weekly engaging interviews with industry leaders, subject matter experts and progressive employers with unique viewpoints. The diverse in-depth perspectives and relevant topics help employers make more informed decisions about their retirement benefit programs which will positively impact their employees and business. For more information please visit www.401kfridays.com/podcasts.