Chad Johansen is a Partner and Director of Consulting with California-based Plan Design Consultants, and he’s also its resident 401k nerd. And thank God for that, because without him, the firm’s weekly Retireholi(k)s webcast would devolve into even more of a drunken mess than it already is. If you’re completely lost, check out the latest issue of our magazine. In the meantime, Johansen had great insight about the challenges he sees for independent TPAs and 401k advisors, their move towards wealth management, and what the industry can and should do better.