contents November-December 2018 cover story 18 Smart Design A ground plan for making all clients profitable clients. feature 24 2018 PLANADVISER National Conference Pathways to plan, participant and practice success. research 30 2018 Practice Benchmarking Survey Taking a Measure: How advisers were building their practices this year. departments 38 servicing strategies Weathering Audits The DOL has extended the scope of its examinations. 42 practice management Protection for Your Practice The ins and outs of fiduciary liability insurance. 44 investment-oriented The Case for Roths These 'delayed gratification' plans offer benefits worth waiting for. 46 ERISA vista SEC on Rollovers The agency says RIAs are fiduciaries. 47 fiduciary fitness ERISA Section 409(b) Fiduciaries can be personally liable-even for a predecessor's breach. 48 compliance consult 403(b) Litigation Update Court decisions reveal some emerging themes. in every issue 2 editor's letter 4 intro 6 compliance news 8 investment focus 9 data points 10 practice development 12 trendspotting planadviser.com November-December 2018 | 1http://www.planadviserdigital.com/planadviser/november_december_2018/TrackLink.action?pageName=1&exitLink=http%3A%2F%2Fplanadviser.com