contents November-December 2019 cover story 18 Foul Weather Fund The value of facilitating emergency savings accounts at the workplace. research 24 2019 PLANADVISER Practice Benchmarking Survey Built From the Ground Up: Retirement plan advisers weigh in on the foundations of good practice management. departments 32 micro scope Streamlining the Process TPAs can create efficiencies for serving micro plans. 36 practice management To Surmount the Gender Gap The financial adviser industry works to change with the times. 38 regulatory radar NQDC Guidance Advisers can help clients navigate the complexity of these supplemental plans. 42 beyond(k) Employee-Owned Advisory practices can be good candidates for ESOPs. 44 investment-oriented Continued Growth Hybrid QDIAs are evolving to offer a source of retirement income. 46 fiduciary fitness The Extent of Obligation New committee members need not look for breaches to repair. 47 compliance consult Cyberfraud Must a plan's security policies meet the duty of prudence? 48 ERISA vista How to Protect Participant Data Advisers must help develop a strategy. planadviser.com November-December 2019 | 1 in every issue 2 editor's letter 4 intro 6 practice development 7 data points 10 compliance news 12 trendspottinghttp://www.planadviserdigital.com/planadviser/november_december_2019/TrackLink.action?pageName=1&exitLink=http%3A%2F%2Fplanadviser.com