18 Feb 19
Fluent’s Letter To WSJ Editor In Response To Jason Zweig’s 2/10/19 Article, “Forget The 401(k). Let’s Invent A New Retirement Plan”

Fluent’s Letter to WSJ editor in response to Jason Zweig’s 2/10/19 article, “Forget the 401(k). Let’s Invent a New Retirement Plan”

While I normally enjoy Jason Zweig’s opinions about wealth management and investing, I take issue with Zweig’s February 10th column, “Forget the 401(k). Let’s Invent a New Retirement Plan”. Zweig’s suggestion of eliminating the current 401(k) system and reinventing it, ignores the incredible successes the system has produced for tens of millions of workers and retirees. In addition, Zweig ignores innovations in plan design, recent regulatory guidance, and the integration of new financial wellness tools into the private retirement system that address many of the shortfalls he sees with the current system.

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16 Oct 18
Fluent Helped 120,000 Plans With More Than 4 Million Participants This Year – How Can We Help You?

Fluent Helped 120,000 Plans with More than 4 Million Participants this Year – How Can We Help You?

Welcome to Q4’18! It’s been an amazing year here at Fluent. We started 2018 intending to fully launch our new UtopiaAdvisor™ suite of tools for Retirement Plan Advisors, but the market had a different plan for us: there was strong interest by some of America’s largest plan providers for their own solutions based on UtopiaAdvisor and the industry continued to have growing concerns and demands for security. THE RESULT? 2018 has been a very busy year here at Fluent! This year alone, Fluent signed enterprise contracts to implement proprietary technology that would improve data services, plan evaluation practices and client…

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25 Apr 18
Highlights Of The NAPA 401(k) SUMMIT – Nashville TN, April 15–17

Highlights of the NAPA 401(k) SUMMIT – Nashville TN, April 15–17

The National Association of Plan Advisors (NAPA) pulled off yet another impressive annual NAPA 401(k) SUMMIT in Nashville this past April 15 through 17. The conference, which focused on practice management and business development for Plan Advisors, attracted about 1,100 plan advisors and an additional 1,000 vendor and home office attendees at the Nashville Music City Center. Energy, Lots of Energy! This was our first impression. On our way from the hotel to the convention center, we walked by the Bridgestone Arena, home to the Nashville Predators NHL team, during a playoff game. Boy did the arena rock! Even from…

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15 Apr 18
Advisors, Be The G.U.I.D.E. !!!

Advisors, be the G.U.I.D.E. !!!

At Fluent Technologies, we believe you – the advisor – are the key to plan and participant success. But many of you don’t have the right tools. Introducing UtopiaAdvisor™, a dynamic collaboration tool that helps you, the advisor, demonstrate value and be the G.U.I.D.E. The key features are a goal-setting functionality for critical plan metrics, coupled with an easy-to-use dashboard and practice management tools; giving you a yardstick for instantly measuring plan progress. UtopiaAdvisor™ helps you own the data, demonstrate value and be the G.U.I.D.E. to plan success: Generate plan goals Understand trends Identify gaps Determine action Enact solutions UtopiaAdvisor™ helps you take deeper dives…

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04 Aug 17
Customizing Reports In An Automated World

Customizing Reports in an Automated World

Let’s just admit it: automation sometimes makes our lives easier. The “if, then” structure of software code sets processes in motion for everything from our online banking to transportation systems to home automation (if the temperature in my house drops below 68 degrees, my smart thermostat will turn it up before I get home at 6:15 pm). But sometimes, automation doesn’t quite fit our needs. Custom solutions are expensive, time consuming and can be error-prone. They are hard to replicate and consistency is unpredictable. But custom solutions tend to be more personal, tailored and can often show a greater end…

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07 Jun 17
Stop Talking About Fees! Focus On Plan Health Scoring

Stop Talking About Fees! Focus on Plan Health Scoring

Unfortunately, with all the current discussion about fees, investments, massive disclosures and the fiduciary regulation, there has been a central piece missing from client discussions and how we evaluate success: participant outcomes. It seems that the government and the industry have forgotten the primary reason we have retirement plans in the first place: to provide an employee with enough money to retire. If a plan advisor says that all funds on a platform are low-cost index funds, then often the perception is that nothing else needs be discussed. The focus is always about cost – never about value. This simply…

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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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