contents January -February 2022 / Improving Outcomes Issue COVER STORY 18 The Virtual Reality Most plans offer digital access, yet participant engagement lags-what can advisers do? PLAN DESIGN 24 Getting to Yes When alignment on plandesign changes requires overcoming common objections. TOTAL RETIREMENT 28 A Share of the Wealth Each employee gains with an ESOP or a KSOP-how to transform a client's plan. PLAN AGGREGATION 32 The Full View The merits of pulling in participants' external financial information. EMERGENCY FUNDS 36 Life Happens When participants have no choice but to draw from their retirement plan. ERISA VISTA 38 An Objectivity Lesson The more objective the presentation, the less likely it will seem like advice. COMPLIANCE CONSULT 39 Best Execution Standard Professionals must meet this bar, to apply PTE 2020-02. in every issue 2 publisher's note 4 data points 6 compliance news 10 trends 40 Q&A planadviser.com January-February 2022 | 1http://www.planadviser.com