contents March-April 2019 cover story 22 2019 PLANSPONSOR Retirement Plan Advisers of the Year Introducing the 2019 individual, small-, large- and mega-team winners and finalists. departments 42 servicing strategies Coaching the Committee What advisers should ensure that members understand. 46 beyond(k) When Savers Exceed the Limit Strategies to help highly paid employees raise their income replacement ratio. 50 investment-oriented The Role of Alternatives These asset classes can soothe the effects of market volatility. 52 practice management Buyer Beware! There's no such thing as standard adviser E&O insurance. 54 ERISA vista Are Personal Advisers ERISA Fiduciaries? Maybe yes, if advising about a 401(k). 55 compliance consult Unrelated Taxable Income and Pensions 'Tax Cuts' act raises the tax on funds generating UBTI. 56 fiduciary fitness An IPS Is Not Required But there's no good reason for a plan not to have one. in every issue 2 editor's letter 4 intro 6 plan focus 8 data points 10 compliance news 12 trendspotting planadviser.com March-April 2019 | 1http://www.planadviserdigital.com/planadviser/march_april_2019/TrackLink.action?pageName=1&exitLink=http%3A%2F%2Fplanadviser.com