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1300 Enterprise Drive
De Pere, Wisconsin 54115-2795
Mail Address: 
P.O. Box 60
De Pere, Wisconsin 54115-2795

Phone: 800.236.7400
Fax: 920.337.9978
Sales: sales@pai.com 
Customer Service: planservice@pai.com

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Please use this form to subscribe to our blog. Each week we post information about the 401(k) industry that can assist Financial Advisors in managing an employer sponsored retirement plan. You will be notified via email when new blog content is available.

Financial Advisor

Taking Fiduciary Responsibility – a Message for Plan Sponsors

Beginning in April 2017, a new Department of Labor rule goes into effect, changing how a fiduciary is defined. The rule aims at ensuring advisors put their clients’ best interests first (instead of, for example, recommending products that generate higher commissions). 

For some brokerage and advisory firms, the changes mean little. But for others, the new regulation will require significant investments in technology and process changes in order to comply with the onerous compliance challenges created by this change. 

Are Participants Flunking Retirement Readiness?

Mark Miller of Financial Advisor wrote a piece last week on how “People are Flunking Retirement Readiness, And What To Do About It.” He uses an airplane analogy illustrating that 30 years ago a professional financial pilot would manage your defined pension plan, but today most 401(k) plans are being controlled by the passengers or plan participants.

Auto Enrollment and Escalation: Does It Really Work?

The Law of Inertia: A body in motion will stay in motion and a body at rest will stay at rest unless an external force acts upon it.

The Law of Inertia, while originating in the world of physics, is amazingly applicable to the world of retirement planning. As plan sponsors and financial advisors know, getting people who are not saving to start saving requires a force nearly equal to the gravitational field of a planet. And getting people to save more than they are already saving is an accomplishment of galactic proportions.

Can your practice benefit from a 3(38) investment manager?

With all that goes into running your retirement practice, time management can be a challenge. According to an article from Financial Advisor magazine, advisors spend an average of 13% of their time on business development or new client acquisition.*

Being able to spend more time with current and potential clients, means more time growing your business. An investment manager can help with this by providing additional oversight of the plan while freeing up more of your time to help your clients.

Explaining Your Value Alongside a 3(38) Investment Manager

Adding 3(38) Investment Management Services is a new approach in the retirement plan industry, and one of the biggest concerns financial advisors have is what do you say when a client asks, “If you are outsourcing the fund selection to an investment manager, what do you do?” This can be a tricky conversation because many plan sponsors don’t understand their fiduciary responsibility and many believe the financial advisor is the fiduciary .