24 May 17
Unleash The Data: Plan Advisors Need Plan Data To Do Their Job

Unleash the Data: Plan Advisors Need Plan Data to Do Their Job

This article appeared in The SPARK Journal, Vol. 27, No. 2. The challenge – Providing advisors efficient access to data. How is our industry’s transformation to be achieved when the resources accessible by an advisor are often limited and scattered in their purpose and can’t comprehensively address plan matters? Simplify – Plan advisors need to interact with client’s data in evaluation tools. In the current state, it is tiresome to assemble participant outcome data and nearly impossible to address the details from a web of limited, complex, and non-standardized plan information. Top this with deeper expectations by the sponsor and…

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06 Apr 17
What Was Hot Or Not At The NAPA 401k Summit?

What Was Hot or Not at the NAPA 401k Summit?

What’s Hot and What’s Not at the NAPA 401K Summit The NAPA 401K Summit, held in Las Vegas March 19th - 21st, was a smorgasbord of Plan Advisor and Defined Contribution industry presentations. While I found some topics to be of value, what was ironically missing was a substantive conversation about how to measure and deliver Plan Health and successful participant outcomes. After all, isn’t this the raison d’être for our industry? What was missing? The closest I came to encountering a dialogue about measuring Plan Health and participant outcomes was when one person spoke about measuring deferral rates over…

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15 Mar 17
Plan Health:  A Dynamic Presentation Tool

Plan Health: A Dynamic Presentation Tool

Plan Health: A Dynamic Presentation Tool Have you ever been asked an unexpected question during a plan review meeting? Do you end up rifling through a 100-page plan review and having to tell the Plan Sponsor, I’ll get back to you? Is it hard to access and present plan information in a concise and attractive fashion? If you answered yes to any of the questions above, we have a solution for you: dynamic presentation tools through Fluent’s UtopiaAdvisor Plan Health application. How do the presentation tools of Plan Health work? Access UtopiaAdvisor through your desktop or tablet. In the main…

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11 Mar 17
Plan Advisors Need Plan Data To Do Their Job

Plan Advisors Need Plan Data to Do Their Job

Give Your Plan Review New Life! Everyone’s take on retirement savings and investments is a bit different. I mean, if all advisors agreed on just one way to do things, there would be no need for advisors because plan sponsors could do it themselves. They hire you – their trusted advisor – because of your knowledge and expertise. How do you become the trusted advisor in the eyes of your clients? The plan review is at the core of the relationship between you and your clients. You conduct reviews to best understand a client’s needs, offer them advice, make changes…

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08 Mar 17
Unleash The Data: Plan Advisors Need Plan Data To Do Their Job

Unleash the Data: Plan Advisors Need Plan Data to Do Their Job

Get the word on the street from an industry insider and FinTech executive. Michael Zimmer of Fluent Technologies here. I’ve been working in the FinTech space long enough to know that advisors are tasked with a monumental effort to service clients in the best way possible. Over the years, that service has evolved and grown with market demands. Clients have become incredibly knowledgeable about investments, and that has changed the role of the advisor as well as the tools needed to effectively do the job. Now the advisor’s role is being reshaped again in an era of demand for successful…

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01 Mar 17
How Not To Screw Up Investment Reviews: Five Must-Have Tools For Advisors

How Not to Screw Up Investment Reviews: Five Must-Have Tools for Advisors

As a trusted advisor, every year you do your due diligence by calling your clients to discuss how their investment did during the year and determine if they need to make any changes. Sound familiar? As an advisor in the plan sponsor retirement space, however, you know only too well that your duties are much more complicated and need to occur more frequently than only in one annual visit. The problem is that, although the expectations for an “investment review” have matured, the tools haven’t kept pace. At Fluent, we think of the plan investment review process as a comprehensive…

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21 Feb 17
Are You A Fiduciary? Don’t Sit On The Fence!

Are you a Fiduciary? Don’t Sit on the Fence!

Are you a fiduciary? Are you REALLY a fiduciary? Trust is key for plan advisors. Clients entrust their financial future to their advisors, so it stands to reason that advisors should put their clients’ best interests first, ahead of their own interests. Disclosure and transparency of any conflicts of interest, code of ethics, risk and fees should be the cornerstone of every fiduciary’s practice. Recently, the Consumer Federation of America issued a report Financial Advisor or Investment Salesperson? Brokers and Insurers Want to Have it Both Ways. The argument is interesting: comply to regulations to be a “trusted fiduciary advisor”…

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07 Feb 17
Advisors – Hang In There!

Advisors – Hang In There!

Help Is On The Way! Now that the Trump administration has ordered an updated economic and legal analysis of the Fiduciary Regulation, every advisor practice is left wondering what is next. We are waiting anxiously to see what impact regulations, new or revised, will have on the work we have all done preparing for the April effective date. No matter the outcome, at Fluent we have more than 20 years of experience in this area. We’ve seen changes large and small over the years and, if anything, it has allowed us to be nimble to stay ahead of the needs…

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27 Oct 16

Fluent Enables Plan Advisors and Relationship Management Teams to Optimize Practices and DOL Compliance

Interested in “Taming the Fiduciary Reg”? New product offering integrates multiple practice management toolkits into one simple and affordable platform OCTOBER 27, 2016 – WOBURN, MA – Today Fluent Technologies announced that is has developed a new, market-leading solution for complying with the recent DOL (Department of Labor) Conflict of Interest Regulation based on survey results, one-on-one interviews and participation in critical industry-sponsored DOL focused seminars. UtopiaAdvisor offers a one-stop-shop to implement a customer’s practices, plus organize and execute everything in terms of the DOL. UtopiaAdvisor allows clients to take a significant step forward in practicing and exceeding regulatory compliance…

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25 Oct 16
Unleashing The Data:  Helping Plan Advisors Deliver Participant Outcomes

Unleashing the Data: Helping Plan Advisors Deliver Participant Outcomes

Get the word on the street from an industry insider and FinTech executive. Michael Zimmer of Fluent Technologies here. I’ve been working in the FinTech space for long enough to know that advisors are tasked with a monumental effort to service clients in the best way possible. Over the years, that service has evolved and grown with market demands. Clients have become incredibly knowledgeable about investments, and that has changed the role of the advisor as well as the tools needed to effectively do the job. Now the advisor’s role is being reshaped again in an era of demand for…

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