The Registered Fiduciary™ certification identifies financial professionals that have met the necessary requirements to serve in the important new role of Fiduciary Adviser. RF™ certified professionals are identified as having met the highest fiduciary standard in the financial industry. The RF™ certification is continuously being updated to reflect the most recent regulatory, marketplace and technology changes.

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401(k) RF™ delivers...

RF™ Certification Application

Apply here to obtain a Registered Fiduciary "RF™" certification.

• Online Application
• Printable Application

A fiduciary education program for the average person. The average 401(k) investor relies on others to act in their interest but don’t know who is a fiduciary and who is not. Likewise, many professionals find themselves acting in a fiduciary role without a proper understanding what this means (Accidental Fiduciaries). This program is a primer for Owners and Accidental Fiduciaries to learn their rights and their responsibilities. Learn More

For a fiduciary to be of value to the society, community, industry and beneficiaries of fiduciary responsibility, the fiduciary must exist.

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The legislative and regulatory activity since 2008 has been focused on increasing the fiduciary level of care to the investment market, motivated by the belief that investors are being injured - in spite of the protections that have been in place for decades. The superficial assumption is that investors benefit from a fiduciary level of care.

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There is widespread confusion and fear surrounding ERISA and it's definition of fiduciary liability, when in fact the risks faced by fiduciaries are often lower than those facing non-fiduciaries. This paper presents an overview of ERISA fiduciaries and the controlling regulations followed by an analysis of the investment firm’s business risks and how these risks are mitigated.

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Your Guide to ERISA Fee and Expense Disclosures
A business-first approach to meeting 2011 requirements for Government, Plan and Participant reporting. Read Paper

404(a)(5) A Game Changer?
A look at the implications of the US Department of Labor’s final regulations concerning retirement plan participant disclosures. Read Paper

408(b)(2) Readiness Assessment
By January 1, 2012 Covered Service Providers are required to make plan fee disclosures. It is critical to take action now to meet this deadline. This worksheet will help assess your firm’s readiness. View Worksheet