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	<title>The 401(k) Fiduciary Advice Blog &#187; BeManaged</title>
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	<link>http://bemanaged.com/blog/</link>
	<description>401(k) Participant Advice Best Practices for Employers and Advisors, 401(k) Investing Tips and Insight for 401(k) Investors</description>
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			<item>
		<title>(Podcast) 401(k) Participant Advice Best Practices on Talk 401(k) with Don Davidson</title>
		<link>http://bemanaged.com/2010/08/31/podcast-401k-participant-advice-best-practices-on-talk-401k-with-don-davidson/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=podcast-401k-participant-advice-best-practices-on-talk-401k-with-don-davidson</link>
		<comments>http://bemanaged.com/2010/08/31/podcast-401k-participant-advice-best-practices-on-talk-401k-with-don-davidson/#comments</comments>
		<pubDate>Tue, 31 Aug 2010 19:50:52 +0000</pubDate>
		<dc:creator>Chad Griffeth, AIF</dc:creator>
				<category><![CDATA[401k fiduciary]]></category>
		<category><![CDATA[401k advice]]></category>
		<category><![CDATA[401k advice regulation]]></category>
		<category><![CDATA[BeManaged]]></category>
		<category><![CDATA[Chad Griffeth]]></category>

		<guid isPermaLink="false">http://bemanaged.com/2010/08/31/podcast-401k-participant-advice-best-practices-on-talk-401k-with-don-davidson/</guid>
		<description><![CDATA[I was fortunate enough to be interviewed by Don Davidson of Manarin Investment Counsel for his Talk 401(k) podcast. While Don does an excellent job with this, I cannot say the same for myself. Therefore, if you are willing to overlook my stammerings (I was surprisingly nervous), the information might be helpful to you. Some of the topics included in the conversation include:

What is the difference between advice and guidance?
What is the liability for employers to provide advice to their participants?
The PPA Level Fee requirement
Why advice needs to be ongoing
Advice v. managed accounts
Technology and its impact on participant engagement]]></description>
		<wfw:commentRss>http://bemanaged.com/2010/08/31/podcast-401k-participant-advice-best-practices-on-talk-401k-with-don-davidson/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>401(k) Investing, Diversification and Asset Allocation &#8211; In Plain English</title>
		<link>http://bemanaged.com/2010/08/04/401k-investing-diversification-and-asset-allocation-in-plain-english/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=401k-investing-diversification-and-asset-allocation-in-plain-english</link>
		<comments>http://bemanaged.com/2010/08/04/401k-investing-diversification-and-asset-allocation-in-plain-english/#comments</comments>
		<pubDate>Wed, 04 Aug 2010 17:21:05 +0000</pubDate>
		<dc:creator>Chad Griffeth, AIF</dc:creator>
				<category><![CDATA[401k advice]]></category>
		<category><![CDATA[401k help]]></category>
		<category><![CDATA[Asset Allocation]]></category>
		<category><![CDATA[BeManaged]]></category>
		<category><![CDATA[conflicts of interest]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[investment behavior]]></category>
		<category><![CDATA[investment education]]></category>
		<category><![CDATA[401k investor help]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[retirement]]></category>

		<guid isPermaLink="false">http://bemanaged.com/2010/08/04/401k-investing-diversification-and-asset-allocation-in-plain-english/</guid>
		<description><![CDATA[The BeManaged Ingredients and Recipe Investment Analogy

Over the past number of years I have come to really enjoy cooking. It unknowingly led me to an analogy for investing that is simple to understand and better yet, visual. The analogy, consisting of ingredients and the underlying recipe, has helped hundreds of investors better understand what they can 'control' within their 401(k). Furthermore it helps investors understand confusing terms such as "diversification" and "asset allocation" and how they impact the 'behavior' of their portfolio.]]></description>
		<wfw:commentRss>http://bemanaged.com/2010/08/04/401k-investing-diversification-and-asset-allocation-in-plain-english/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>A Conversation on 401(k) Advice vs. Guidance &#8211; PPA Fiduciary Adviser v. The DoL 96-1 Opinion</title>
		<link>http://bemanaged.com/2010/08/02/a-conversation-on-401k-advice-vs-guidance-ppa-fiduciary-adviser-v-the-dol-96-1-opinion/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=a-conversation-on-401k-advice-vs-guidance-ppa-fiduciary-adviser-v-the-dol-96-1-opinion</link>
		<comments>http://bemanaged.com/2010/08/02/a-conversation-on-401k-advice-vs-guidance-ppa-fiduciary-adviser-v-the-dol-96-1-opinion/#comments</comments>
		<pubDate>Mon, 02 Aug 2010 21:03:15 +0000</pubDate>
		<dc:creator>Chad Griffeth, AIF</dc:creator>
				<category><![CDATA[401k advice]]></category>
		<category><![CDATA[401k fiduciary]]></category>
		<category><![CDATA[Advice Regulations]]></category>
		<category><![CDATA[Asset Allocation]]></category>
		<category><![CDATA[Managed Accounts]]></category>
		<category><![CDATA[fiduciary]]></category>
		<category><![CDATA[fiduciary education]]></category>
		<category><![CDATA[401k advice regulation]]></category>
		<category><![CDATA[BeManaged]]></category>
		<category><![CDATA[Fiduciary Adviser]]></category>
		<category><![CDATA[investment behavior]]></category>

		<guid isPermaLink="false">http://bemanaged.com/2010/08/02/a-conversation-on-401k-advice-vs-guidance-ppa-fiduciary-adviser-v-the-dol-96-1-opinion/</guid>
		<description><![CDATA[When marketing our services to companies sponsoring 401(k) plans, we will often face confusion as to what is truly being offered to participants, guidance or advice. The reason being that the word advice has been used liberally by brokers, advisors, and service providers. Unfortunately, that will sometimes lead to companies assuming their participants are receiving the advice they need, rather than knowing what is actually taking place in those education meetings and any 1on1 interactions that follow. The guidance versus advice being so unclear, that the following is a mock conversation designed to educate plan sponsors and advisors as to what is and isn't, should and shouldn't, be taking place with participants so to protect the plan sponsor from fiduciary liability:]]></description>
		<wfw:commentRss>http://bemanaged.com/2010/08/02/a-conversation-on-401k-advice-vs-guidance-ppa-fiduciary-adviser-v-the-dol-96-1-opinion/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>BeManaged August &#8216;10 Research Newsletter : Capital Disappearing in Private Sector</title>
		<link>http://bemanaged.com/2010/08/02/bemanaged-august-10-research-newsletter-capital-disappearing-in-private-sector/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=bemanaged-august-10-research-newsletter-capital-disappearing-in-private-sector</link>
		<comments>http://bemanaged.com/2010/08/02/bemanaged-august-10-research-newsletter-capital-disappearing-in-private-sector/#comments</comments>
		<pubDate>Mon, 02 Aug 2010 18:40:42 +0000</pubDate>
		<dc:creator>Chad Griffeth, AIF</dc:creator>
				<category><![CDATA[401k help]]></category>
		<category><![CDATA[Asset Allocation]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[investment behavior]]></category>
		<category><![CDATA[investment education]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[401k investor help]]></category>
		<category><![CDATA[BeManaged]]></category>
		<category><![CDATA[John Whaley]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://bemanaged.com/2010/08/02/bemanaged-august-10-research-newsletter-capital-disappearing-in-private-sector/</guid>
		<description><![CDATA[The following are some highlights discussed in the August ‘10 Research Newsletter from John Whaley, CFA, AIF, Director of the BeManaged Research Department.

Equities Gain Over 7% in July
The EBRI Retirement Readiness Rating
Capital is Disappearing in the Private Sector]]></description>
		<wfw:commentRss>http://bemanaged.com/2010/08/02/bemanaged-august-10-research-newsletter-capital-disappearing-in-private-sector/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>BeManaged Portfolio Analyst, Mark Hoppe, Passes Level II of CFA</title>
		<link>http://bemanaged.com/2010/07/29/bemanaged-portfolio-analyst-mark-hoppe-passes-level-ii-of-cfa/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=bemanaged-portfolio-analyst-mark-hoppe-passes-level-ii-of-cfa</link>
		<comments>http://bemanaged.com/2010/07/29/bemanaged-portfolio-analyst-mark-hoppe-passes-level-ii-of-cfa/#comments</comments>
		<pubDate>Thu, 29 Jul 2010 18:58:51 +0000</pubDate>
		<dc:creator>Chad Griffeth, AIF</dc:creator>
				<category><![CDATA[401k help]]></category>
		<category><![CDATA[BeManaged]]></category>
		<category><![CDATA[401k advice]]></category>
		<category><![CDATA[401k fiduciary]]></category>
		<category><![CDATA[401k investor help]]></category>
		<category><![CDATA[Mark Hoppe]]></category>

		<guid isPermaLink="false">http://bemanaged.com/2010/07/29/bemanaged-portfolio-analyst-mark-hoppe-passes-level-ii-of-cfa/</guid>
		<description><![CDATA[We wanted to provide a quick &#8217;shout out&#8217; to our esteemed Portfolio Analyst, Mark Hoppe, for learning on late Monday that he was among the 39% of world-wide candidates that passed Level II of the Chartered Financial Analyst exam. We empathetically watched him study diligently for an obnoxious amount of hours during the first half of [...]]]></description>
		<wfw:commentRss>http://bemanaged.com/2010/07/29/bemanaged-portfolio-analyst-mark-hoppe-passes-level-ii-of-cfa/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>What Was Actium is Now BeManaged (Finally)</title>
		<link>http://bemanaged.com/2010/07/22/what-was-actium-is-now-bemanaged-finally/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=what-was-actium-is-now-bemanaged-finally</link>
		<comments>http://bemanaged.com/2010/07/22/what-was-actium-is-now-bemanaged-finally/#comments</comments>
		<pubDate>Thu, 22 Jul 2010 21:04:43 +0000</pubDate>
		<dc:creator>Chad Griffeth, AIF</dc:creator>
				<category><![CDATA[401k advice]]></category>
		<category><![CDATA[401k fiduciary]]></category>
		<category><![CDATA[401k help]]></category>
		<category><![CDATA[BeManaged]]></category>
		<category><![CDATA[Chad Griffeth]]></category>
		<category><![CDATA[John Whaley]]></category>

		<guid isPermaLink="false">http://bemanaged.com/2010/07/22/what-was-actium-is-now-bemanaged-finally/</guid>
		<description><![CDATA[Last year, we began the transition of moving from the name Actium to that of our flagship service, BeManaged. For many of you, you may have never noticed that our email was from @myactium.com, while we communicate ourselves as BeManaged. It just didn't make a lot of sense why our participant clients knew us as BeManaged while companies and advisors knew us as Actium. ]]></description>
		<wfw:commentRss>http://bemanaged.com/2010/07/22/what-was-actium-is-now-bemanaged-finally/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>401(k) Investors Achilles Heel #4 &#8211; Managing Risk Through Contributions</title>
		<link>http://bemanaged.com/2010/07/09/401k-investors-achilles-heel-4-managing-risk-through-contributions/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=401k-investors-achilles-heel-4-managing-risk-through-contributions</link>
		<comments>http://bemanaged.com/2010/07/09/401k-investors-achilles-heel-4-managing-risk-through-contributions/#comments</comments>
		<pubDate>Fri, 09 Jul 2010 14:27:40 +0000</pubDate>
		<dc:creator>Chad Griffeth, AIF</dc:creator>
				<category><![CDATA[401k help]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[investment behavior]]></category>
		<category><![CDATA[investment education]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[401k investor help]]></category>
		<category><![CDATA[BeManaged]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://bemanaged.com/2010/07/09/401k-investors-achilles-heel-4-managing-risk-through-contributions/</guid>
		<description><![CDATA[One of the biggest issues we see during this time is people will stop their contributions when the market takes a down turn, and then contribute again once the market is doing "better." Unfortunately, as with the other achilles heels we have discussed, this is the exact opposite thing 401(k) investors should do.]]></description>
		<wfw:commentRss>http://bemanaged.com/2010/07/09/401k-investors-achilles-heel-4-managing-risk-through-contributions/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>BeManaged Cited in Congressional Testimony Regarding 401(k) Advice</title>
		<link>http://bemanaged.com/2010/07/07/bemanaged-cited-in-congressional-testimony-regarding-401k-advice/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=bemanaged-cited-in-congressional-testimony-regarding-401k-advice</link>
		<comments>http://bemanaged.com/2010/07/07/bemanaged-cited-in-congressional-testimony-regarding-401k-advice/#comments</comments>
		<pubDate>Wed, 07 Jul 2010 12:34:24 +0000</pubDate>
		<dc:creator>Chad Griffeth, AIF</dc:creator>
				<category><![CDATA[401k advice]]></category>
		<category><![CDATA[401k fiduciary]]></category>
		<category><![CDATA[Advice Regulations]]></category>
		<category><![CDATA[BeManaged]]></category>
		<category><![CDATA[Managed Accounts]]></category>
		<category><![CDATA[conflicts of interest]]></category>
		<category><![CDATA[fiduciary]]></category>
		<category><![CDATA[fiduciary education]]></category>
		<category><![CDATA[401k advice regulation]]></category>
		<category><![CDATA[Chad Griffeth]]></category>
		<category><![CDATA[Fiduciary Adviser]]></category>

		<guid isPermaLink="false">http://bemanaged.com/2010/07/07/bemanaged-cited-in-congressional-testimony-regarding-401k-advice/</guid>
		<description><![CDATA[Our friend Matthew Hutcheson, Independent Fiduciary, recently conducted testimony with the Congressional Ways and Means Committee. The goal of the testimony was to discuss the need for fiduciary best practices to continue to be reinforced with 401(k) plan sponsors as well as avoiding the potential conflicts of interest inherent to the broker dealer model. ]]></description>
		<wfw:commentRss>http://bemanaged.com/2010/07/07/bemanaged-cited-in-congressional-testimony-regarding-401k-advice/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>BeManaged June &#8216;10 Research Newsletter &#8211; Govt. Finance Bubbles Hit World Markets</title>
		<link>http://bemanaged.com/2010/06/01/bemanaged-june-10-research-newsletter-govt-finance-bubbles-hit-world-markets/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=bemanaged-june-10-research-newsletter-govt-finance-bubbles-hit-world-markets</link>
		<comments>http://bemanaged.com/2010/06/01/bemanaged-june-10-research-newsletter-govt-finance-bubbles-hit-world-markets/#comments</comments>
		<pubDate>Tue, 01 Jun 2010 16:04:12 +0000</pubDate>
		<dc:creator>Chad Griffeth, AIF</dc:creator>
				<category><![CDATA[401k help]]></category>
		<category><![CDATA[BeManaged]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[investment behavior]]></category>
		<category><![CDATA[investment education]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[401k investor help]]></category>
		<category><![CDATA[John Whaley]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://bemanaged.com/2010/06/01/bemanaged-june-10-research-newsletter-govt-finance-bubbles-hit-world-markets/</guid>
		<description><![CDATA[The following are some of the highlights discussed in the June ‘10 Research Newsletter from John Whaley, CFA, AIF, Director of the BeManaged Research Department.]]></description>
		<wfw:commentRss>http://bemanaged.com/2010/06/01/bemanaged-june-10-research-newsletter-govt-finance-bubbles-hit-world-markets/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Thoughts on 401(k) Advice Session from fi360 National Conference (Presentation Included)</title>
		<link>http://bemanaged.com/2010/05/13/thoughts-on-401k-advice-session-from-fi360-national-conference-presentation-included/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=thoughts-on-401k-advice-session-from-fi360-national-conference-presentation-included</link>
		<comments>http://bemanaged.com/2010/05/13/thoughts-on-401k-advice-session-from-fi360-national-conference-presentation-included/#comments</comments>
		<pubDate>Thu, 13 May 2010 15:18:51 +0000</pubDate>
		<dc:creator>Chad Griffeth, AIF</dc:creator>
				<category><![CDATA[401k advice]]></category>
		<category><![CDATA[401k fiduciary]]></category>
		<category><![CDATA[Advice Regulations]]></category>
		<category><![CDATA[Managed Accounts]]></category>
		<category><![CDATA[fiduciary education]]></category>
		<category><![CDATA[401k advice regulation]]></category>
		<category><![CDATA[BeManaged]]></category>
		<category><![CDATA[Chad Griffeth]]></category>
		<category><![CDATA[fi360]]></category>
		<category><![CDATA[Fiduciary Adviser]]></category>
		<category><![CDATA[Jason Roberts]]></category>

		<guid isPermaLink="false">http://bemanaged.com/2010/05/13/thoughts-on-401k-advice-session-from-fi360-national-conference-presentation-included/</guid>
		<description><![CDATA[For the third straight year, I attended the fi360 National Conference, the premier fiduciary-focused conference in the nation. The sessions were outstanding, focusing on the many changes taking place within the retirement plan industry, including those proposed for 401(k) advice. I was fortunate enough to be able to speak on an esteemed panel regarding the topic to a packed house of concerned advisors and retirement plan providers. Here are some key points that were discussed:]]></description>
		<wfw:commentRss>http://bemanaged.com/2010/05/13/thoughts-on-401k-advice-session-from-fi360-national-conference-presentation-included/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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