contents January-February 2019 cover story 20 A Forward Focus How offering 3(38) fiduciary services can help advisers declutter the investment conversation. feature 24 PLANADVISER's 2019 Top 100 Retirement Plan Advisers Noteworthy retirement plan specialists, based on number of plans and total assets under advisement. research 32 2019 PLANADVISER Micro Plan Survey Micro Market, Macro View: Our annual gathering of data on plans with less than $5 million in assets points to a promising market for advisers. departments 40 beyond(k) Student Loan Debt Relief How to help workers alleviate the burden so they can save. 44 investment-oriented Climate Change and ESG The news drives interest in ESG, but the change to widespread adoption is slow. 46 fiduciary fitness The Need to Investigate Alternatives Courts may have expectations for fiduciaries. 47 ERISA vista 'Reg BI' and Dual Registrants Advisory and 12b-1 fees may not be combined. 48 compliance consult Lost Participants It is sponsors' duty to locate their terminated 'missing persons.' in every issue 2 editor's letter 4 intro 6 data points 7 plan focus 8 practice development 9 Investment focus 10 compliance news 12 trendspotting planadviser.com January-February 2019 | 1http://www.planadviserdigital.com/planadviser/january_february_2019/TrackLink.action?pageName=1&exitLink=http%3A%2F%2Fplanadviser.com