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173--wp--preset--font-size--huge:42px}.has-regular-font-size{font-size:1em}.has-larger-font-size{font-size:2.625em}.has-normal-font-size{font-size:var(--wp--preset--font-size--normal)}.has-huge-font-size{font-size:var(--wp--preset--font-size--huge)}:root .has-text-align-center{text-align:center}:root .has-text-align-left{text-align:left}:root .has-text-align-right{text-align:right}.has-fit-text{white-space:nowrap!important}#end-resizable-editor-section{display:none}.aligncenter{clear:both}.items-justified-left{justify-content:flex-start}.items-justified-center{justify-content:center}.items-justified-right{justify-content:flex-end}.items-justified-space-between{justify-content:space-between}.screen-reader-text{word-wrap:normal!important;border:0;clip-path:inset(50%);height:1px;margin:-1px;overflow:hidden;padding:0;position:absolute;width:1px;word-break:normal!important}.screen-reader-text:focus{background-color:#ddd;clip-path:none;color:#444;display:block;font-size:1em;height:auto;left:5px;line-height:normal;padding:15px 23px 14px;text-decoration:none;top:5px;width:auto;z-index:100000}html :where(.has-border-color){border-style:solid}html :where([style^=border-color],[style*=";border-color"],[style*="; border-color"]){border-style:solid}html :where([style^=border-top-color],[style*=";border-top-color"],[style*="; border-top-color"]){border-top-style:solid}html :where([style^=border-right-color],[style*=";border-right-color"],[style*="; border-right-color"]){border-right-style:solid}html :where([style^=border-bottom-color],[style*=";border-bottom-color"],[style*="; border-bottom-color"]){border-bottom-style:solid}html :where([style^=border-left-color],[style*=";border-left-color"],[style*="; border-left-color"]){border-left-style:solid}html :where([style^=border-width],[style*=";border-width"],[style*="; border-width"]){border-style:solid}html :where([style^=border-top-width],[style*=";border-top-width"],[style*="; border-top-width"]){border-top-style:solid}html :where([style^=border-right-width],[style*=";border-right-width"],[style*="; border-right-width"]){border-right-style:solid}html :where([style^=border-bottom-width],[style*=";border-bottom-width"],[style*="; border-bottom-width"]){border-bottom-style:solid}html :where([style^=border-left-width],[style*=";border-left-width"],[style*="; border-left-width"]){border-left-style:solid}html :where(img[class*=wp-image-]){height:auto;max-width:100%}:where(figure){margin:0 0 1em}html :where(.is-position-sticky){--wp-admin--admin-bar--position-offset:var(--wp-admin--admin-bar--height,0px)}@media screen and (max-width:600px){html :where(.is-position-sticky){--wp-admin--admin-bar--position-offset:0px}}
174
175/*# sourceURL=/wp-includes/css/dist/block-library/common.min.css */
176</style>
177<style id="wp-block-heading-inline-css">
178h1:where(.wp-block-heading).has-background,h2:where(.wp-block-heading).has-background,h3:where(.wp-block-heading).has-background,h4:where(.wp-block-heading).has-background,h5:where(.wp-block-heading).has-background,h6:where(.wp-block-heading).has-background{padding:1.25em 2.375em}h1.has-text-align-left[style*=writing-mode]:where([style*=vertical-lr]),h1.has-text-align-right[style*=writing-mode]:where([style*=vertical-rl]),h2.has-text-align-left[style*=writing-mode]:where([style*=vertical-lr]),h2.has-text-align-right[style*=writing-mode]:where([style*=vertical-rl]),h3.has-text-align-left[style*=writing-mode]:where([style*=vertical-lr]),h3.has-text-align-right[style*=writing-mode]:where([style*=vertical-rl]),h4.has-text-align-left[style*=writing-mode]:where([style*=vertical-lr]),h4.has-text-align-right[style*=writing-mode]:where([style*=vertical-rl]),h5.has-text-align-left[style*=writing-mode]:where([style*=vertical-lr]),h5.has-text-align-right[style*=writing-mode]:where([style*=vertical-rl]),h6.has-text-align-left[style*=writing-mode]:where([style*=vertical-lr]),h6.has-text-align-right[style*=writing-mode]:where([style*=vertical-rl]){rotate:180deg}
179/*# sourceURL=https://c0.wp.com/c/7.1.2/wp-includes/blocks/heading/style.min.css */
180</style>
181<style id="wp-block-image-inline-css">
182.wp-block-image>a,.wp-block-image>figure>a{display:inline-block}.wp-block-image img{box-sizing:border-box;height:auto;max-width:100%;vertical-align:bottom}@media not (prefers-reduced-motion){.wp-block-image img.hide{visibility:hidden}.wp-block-image img.show{animation:show-content-image .4s}}.wp-block-image[style*=border-radius] img,.wp-block-image[style*=border-radius]>a{border-radius:inherit}.wp-block-image.has-custom-border img{box-sizing:border-box}.wp-block-image.aligncenter{text-align:center}.wp-block-image.alignfull>a,.wp-block-image.alignwide>a{width:100%}.wp-block-image.alignfull img,.wp-block-image.alignwide img{height:auto;width:100%}.wp-block-image .aligncenter,.wp-block-image .alignleft,.wp-block-image .alignright,.wp-block-image.aligncenter,.wp-block-image.alignleft,.wp-block-image.alignright{display:table}.wp-block-image .aligncenter>figcaption,.wp-block-image .alignleft>figcaption,.wp-block-image .alignright>figcaption,.wp-block-image.aligncenter>figcaption,.wp-block-image.alignleft>figcaption,.wp-block-image.alignright>figcaption{caption-side:bottom;display:table-caption}.wp-block-image .alignleft{float:left;margin:.5em 1em .5em 0}.wp-block-image .alignright{float:right;margin:.5em 0 .5em 1em}.wp-block-image .aligncenter{margin-left:auto;margin-right:auto}.wp-block-image :where(figcaption){margin-bottom:1em;margin-top:.5em}.wp-block-image.is-style-circle-mask img{border-radius:9999px}@supports ((-webkit-mask-image:none) or (mask-image:none)) or (-webkit-mask-image:none){.wp-block-image.is-style-circle-mask img{border-radius:0;-webkit-mask-image:url('data:image/svg+xml;utf8,<svg viewBox="0 0 100 100" xmlns="http://www.w3.org/2000/svg"><circle cx="50" cy="50" r="50"/></svg>');mask-image:url('data:image/svg+xml;utf8,<svg viewBox="0 0 100 100" xmlns="http://www.w3.org/2000/svg"><circle cx="50" cy="50" r="50"/></svg>');mask-mode:alpha;-webkit-mask-position:center;mask-position:center;-webkit-mask-repeat:no-repeat;mask-repeat:no-repeat;-webkit-mask-size:contain;mask-size:contain}}:root :where(.wp-block-image.is-style-rounded img,.wp-block-image .is-style-rounded img){border-radius:9999px}.wp-block-image figure{margin:0}.wp-lightbox-container{display:flex;flex-direction:column;position:relative}.wp-lightbox-container img{cursor:zoom-in}.wp-lightbox-container img:hover+button{opacity:1}.wp-lightbox-container button{align-items:center;backdrop-filter:blur(16px) saturate(180%);background-color:rgba(90,90,90,.25);border:none;border-radius:4px;cursor:zoom-in;display:flex;height:20px;justify-content:center;opacity:0;padding:0;position:absolute;right:16px;text-align:center;top:16px;width:20px;z-index:100}@media not (prefers-reduced-motion){.wp-lightbox-container button{transition:opacity .2s ease}}.wp-lightbox-container button:focus-visible{outline:3px auto rgba(90,90,90,.25);outline:3px auto -webkit-focus-ring-color;outline-offset:3px}.wp-lightbox-container button:hover{cursor:pointer;opacity:1}.wp-lightbox-container button:focus{opacity:1}.wp-lightbox-container button:focus,.wp-lightbox-container button:hover,.wp-lightbox-container button:not(:hover):not(:active):not(.has-background){background-color:rgba(90,90,90,.25);border:none}.wp-lightbox-overlay{box-sizing:border-box;
182cursor:zoom-out;height:100vh;left:0;overflow:hidden;position:fixed;top:0;visibility:hidden;width:100%;z-index:100000}.wp-lightbox-overlay .wp-lightbox-close-button{align-items:center;cursor:pointer;display:flex;font-family:inherit;gap:8px;justify-content:center;line-height:1;min-height:40px;min-width:40px;padding:0 4px;position:absolute;right:calc(env(safe-area-inset-right) + 16px);top:calc(env(safe-area-inset-top) + 16px);z-index:5000000}.wp-lightbox-overlay .wp-lightbox-close-button:focus,.wp-lightbox-overlay .wp-lightbox-close-button:hover,.wp-lightbox-overlay .wp-lightbox-close-button:not(:hover):not(:active):not(.has-background){background:none;border:none}.wp-lightbox-overlay .wp-lightbox-close-button:has(.wp-lightbox-close-text:not([hidden])) .wp-lightbox-close-icon svg{height:1em;width:1em}.wp-lightbox-overlay .wp-lightbox-close-icon svg{display:block}.wp-lightbox-overlay .wp-lightbox-navigation-button-next,.wp-lightbox-overlay .wp-lightbox-navigation-button-prev{align-items:center;bottom:16px;cursor:pointer;display:flex;font-family:inherit;gap:4px;justify-content:center;line-height:1;min-height:40px;min-width:40px;padding:0 8px;position:absolute;z-index:2000002}.wp-lightbox-overlay .wp-lightbox-navigation-button-next[hidden],.wp-lightbox-overlay .wp-lightbox-navigation-button-prev[hidden]{display:none}@media (min-width:960px){.wp-lightbox-overlay .wp-lightbox-navigation-button-next,.wp-lightbox-overlay .wp-lightbox-navigation-button-prev{bottom:50%;transform:translateY(-50%)}}.wp-lightbox-overlay .wp-lightbox-navigation-button-next:focus,.wp-lightbox-overlay .wp-lightbox-navigation-button-next:hover,.wp-lightbox-overlay .wp-lightbox-navigation-button-next:not(:hover):not(:active):not(.has-background),.wp-lightbox-overlay .wp-lightbox-navigation-button-prev:focus,.wp-lightbox-overlay .wp-lightbox-navigation-button-prev:hover,.wp-lightbox-overlay .wp-lightbox-navigation-button-prev:not(:hover):not(:active):not(.has-background){background:none;border:none;padding:0 8px}.wp-lightbox-overlay .wp-lightbox-navigation-button-next:has(.wp-lightbox-navigation-text:not([hidden])) .wp-lightbox-navigation-icon svg,.wp-lightbox-overlay .wp-lightbox-navigation-button-prev:has(.wp-lightbox-navigation-text:not([hidden])) .wp-lightbox-navigation-icon svg{display:block;height:1.5em;width:1.5em}.wp-lightbox-overlay .wp-lightbox-navigation-button-prev{left:calc(env(safe-area-inset-left) + 16px)}.wp-lightbox-overlay .wp-lightbox-navigation-button-next{right:calc(env(safe-area-inset-right) + 16px)}.wp-lightbox-overlay .wp-lightbox-navigation-icon svg{vertical-align:middle}.wp-lightbox-overlay .lightbox-image-container{height:var(--wp--lightbox-container-height);left:50%;overflow:hidden;position:absolute;top:50%;transform:translate(-50%,-50%);transform-origin:top left;width:var(--wp--lightbox-container-width);z-index:2000001}.wp-lightbox-overlay .wp-block-image{align-items:center;box-sizing:border-box;display:flex;height:100%;justify-content:center;margin:0;position:relative;transform-origin:0 0;width:100%;z-index:3000000}.wp-lightbox-overlay .wp-block-image img{height:var(--wp--lightbox-image-height);min-height:var(--wp--lightbox-image-height);min-width:var(--wp--lightbox-image-width);width:var(--wp--lightbox-image-width)}.wp-lightbox-overlay .wp-block-image figcaption{display:none}.wp-lightbox-overlay button{background:none;border:none}.wp-lightbox-overlay .scrim{background-color:#fff;height:100%;opacity:.9;position:absolute;width:100%;z-index:2000000}.wp-lightbox-overlay.active{visibility:visible}@media not (prefers-reduced-motion){.wp-lightbox-overlay.active{animation:turn-on-visibility .25s both}.wp-lightbox-overlay.active img{animation:turn-on-visibility .35s both}.wp-lightbox-overlay.show-closing-animation:not(.active){animation:turn-off-visibility .35s both}.wp-lightbox-overlay.show-closing-animation:not(.active) img{animation:turn-off-visibility .25s both}.wp-lightbox-overlay.zoom.active{animation:none;opacity:1;visibility:visible}.wp-lightbox-overlay.zoom.active .lightbox-image-container{animation:lightbox-zoom-in .4s}.wp-lightbox-overlay.zoom.active .lightbox-image-container img{animation:none}.wp-lightbox-overlay.zoom.active .scrim{animation:turn-on-visibility .4s forwards}.wp-lightbox-overlay.zoom.show-closing-animation:not(.active){animation:none}.wp-lightbox-overlay.zoom.show-closing-animation:not(.active) .lightbox-image-container{animation:lightbox-zoom-out .4s}.wp-lightbox-overlay.zoom.show-closing-animation:not(.active) .lightbox-image-container img{animation:none}.wp-lightbox-overlay.zoom.show-closing-animation:not(.active) .scrim{animation:turn-off-visibility .4s forwards}}
182@keyframes show-content-image{0%{visibility:hidden}99%{visibility:hidden}to{visibility:visible}}@keyframes turn-on-visibility{0%{opacity:0}to{opacity:1}}@keyframes turn-off-visibility{0%{opacity:1;visibility:visible}99%{opacity:0;visibility:visible}to{opacity:0;visibility:hidden}}@keyframes lightbox-zoom-in{0%{transform:translate(calc((-100vw + var(--wp--lightbox-scrollbar-width))/2 + var(--wp--lightbox-initial-left-position)),calc(-50vh + var(--wp--lightbox-initial-top-position))) scale(var(--wp--lightbox-scale))}to{transform:translate(-50%,-50%) scale(1)}}@keyframes lightbox-zoom-out{0%{transform:translate(-50%,-50%) scale(1);visibility:visible}99%{visibility:visible}to{transform:translate(calc((-100vw + var(--wp--lightbox-scrollbar-width))/2 + var(--wp--lightbox-initial-left-position)),calc(-50vh + var(--wp--lightbox-initial-top-position))) scale(var(--wp--lightbox-scale));visibility:hidden}}
183/*# sourceURL=https://c0.wp.com/c/7.1.2/wp-includes/blocks/image/style.min.css */
184</style>
185<style id="wp-block-list-inline-css">
186ol,ul{box-sizing:border-box}:root :where(.wp-block-list.has-background){padding:1.25em 2.375em}
187/*# sourceURL=https://c0.wp.com/c/7.1.2/wp-includes/blocks/list/style.min.css */
188</style>
189<style id="wp-block-paragraph-inline-css">
190.is-small-text{font-size:.875em}.is-regular-text{font-size:1em}.is-large-text{font-size:2.25em}.is-larger-text{font-size:3em}.has-drop-cap:not(:focus):first-letter{float:left;font-size:8.4em;font-style:normal;font-weight:100;line-height:.68;margin:.05em .1em 0 0;text-transform:uppercase}body.rtl .has-drop-cap:not(:focus):first-letter{float:none;margin-left:.1em}p.has-drop-cap.has-background{overflow:hidden}:root :where(p.has-background){padding:1.25em 2.375em}:where(p.has-text-color:not(.has-link-color)) a{color:inherit}p.has-text-align-left[style*="writing-mode:vertical-lr"],p.has-text-align-right[style*="writing-mode:vertical-rl"]{rotate:180deg}
191/*# sourceURL=https://c0.wp.com/c/7.1.2/wp-includes/blocks/paragraph/style.min.css */
192</style>
193
194<style id="classic-theme-styles-inline-css">
195/*! This file is auto-generated */
196.wp-block-button__link{color:#fff;background-color:#32373c;border-radius:9999px;box-shadow:none;text-decoration:none;padding:calc(.667em + 2px) calc(1.333em + 2px);font-size:1.125em}.wp-block-file__button{background:#32373c;color:#fff;text-decoration:none}
197/*# sourceURL=/wp-includes/css/classic-themes.min.css */
198</style>
199
200<style id="global-styles-inline-css">
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626<style>.tdb_header_logo{margin-bottom:0;clear:none}.tdb_header_logo .tdb-logo-a,.tdb_header_logo h1{display:flex;pointer-events:auto;align-items:flex-start}.tdb_header_logo h1{margin:0;line-height:0}.tdb_header_logo .tdb-logo-img-wrap img{display:block}.tdb_header_logo .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdb_header_logo .tdb-logo-svg-wrap svg{width:50px;display:block;transition:fill .3s ease}.tdb_header_logo .tdb-logo-text-wrap{display:flex}.tdb_header_logo .tdb-logo-text-title,.tdb_header_logo .tdb-logo-text-tagline{-webkit-transition:all 0.2s ease;transition:all 0.2s ease}.tdb_header_logo .tdb-logo-text-title{background-size:cover;background-position:center center;font-size:75px;font-family:serif;line-height:1.1;color:#222;white-space:nowrap}.tdb_header_logo .tdb-logo-text-tagline{margin-top:2px;font-size:12px;font-family:serif;letter-spacing:1.8px;line-height:1;color:#767676}.tdb_header_logo .tdb-logo-icon{position:relative;font-size:46px;color:#000}.tdb_header_logo .tdb-logo-icon-svg{line-height:0}.tdb_header_logo .tdb-logo-icon-svg svg{width:46px;height:auto}.tdb_header_logo .tdb-logo-icon-svg svg,.tdb_header_logo .tdb-logo-icon-svg svg *{fill:#000}.tdi_8{display:inline-block}.tdi_8 .tdb-logo-a,.tdi_8 h1{flex-direction:row;align-items:center;justify-content:flex-start}.tdi_8 .tdb-logo-svg-wrap{max-width:300px;display:block}.tdi_8 .tdb-logo-svg-wrap svg{width:300px!important;height:auto}.tdi_8 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_8 .tdb-logo-img{max-width:180px}.tdi_8 .tdb-logo-img-wrap{display:block}.tdi_8 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:none}.tdi_8 .tdb-logo-text-title{display:none}.tdi_8 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_8 .tdb-logo-icon{top:0px;display:block}@media (max-width:767px){.tdb_header_logo .tdb-logo-text-title{font-size:36px}}@media (max-width:767px){.tdb_header_logo .tdb-logo-text-tagline{font-size:11px}}@media (max-width:767px){.tdi_8 .tdb-logo-img-wrap{margin-top:0px;margin-bottom:0px;margin-right:5px;margin-left:0px}.tdi_8 .tdb-logo-img-wrap:first-child{margin-top:0;margin-left:0}.tdi_8 .tdb-logo-img-wrap:last-child{margin-bottom:0;margin-right:0}}</style>
627<div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="/" title="401(k) Specialist"><span class="tdb-logo-img-wrap"><img class="tdb-logo-img td-retina-data" data-retina="https://401kspecialistmag.com/wp-content/uploads/2025/10/[email protected]" src="https://401kspecialistmag.com/wp-content/uploads/2025/10/401k-logo.webp" alt="401(k) Specialist" title="401(k) Specialist" width="582" height="108"></span><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">401(k) Specialist</span><span class="tdb-logo-text-tagline">News for Retirement Advisors</span></span></a></div>
628</div> <!-- ./block --><div class="td_block_wrap tdb_mobile_search tdi_9 td-pb-border-top td_block_template_1 tdb-header-align" data-td-block-uid="tdi_9">
629<style>@media (max-width:767px){.tdi_9{display:inline-block!important}}</style>
630<style>.tdb_mobile_search{margin-bottom:0;clear:none}.tdb_mobile_search a{display:inline-block!important;position:relative;text-align:center;color:var(--td_theme_color,#4db2ec)}.tdb_mobile_search a>span{display:flex;align-items:center;justify-content:center}.tdb_mobile_search svg{height:auto}
630.tdb_mobile_search svg,.tdb_mobile_search svg *{fill:var(--td_theme_color,#4db2ec)}#tdc-live-iframe .tdb_mobile_search a{pointer-events:none}.td-search-opened{overflow:hidden}.td-search-opened #td-outer-wrap{position:static}.td-search-opened .td-search-wrap-mob{position:fixed;height:calc(100% + 1px)}.td-search-opened .td-drop-down-search{height:calc(100% + 1px);overflow-y:scroll;overflow-x:hidden}.tdi_9{display:inline-block;float:right;clear:none}.tdi_9 .tdb-block-inner{text-align:right}.tdi_9 .tdb-header-search-button-mob i{font-size:22px;width:55px;height:55px;line-height:55px}.tdi_9 .tdb-header-search-button-mob svg{width:22px}.tdi_9 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:55px;height:55px;display:flex;justify-content:center}@media (max-width:767px){.tdi_9 .tdb-header-search-button-mob i{width:33px;height:33px;line-height:33px}.tdi_9 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:33px;height:33px;display:flex;justify-content:center}}</style>
631<div class="tdb-block-inner td-fix-index"><span class="tdb-header-search-button-mob dropdown-toggle" data-toggle="dropdown"><i class="tdb-mobile-search-icon td-icon-search"></i></span></div>
632</div> <!-- ./block -->
633</div>
634</div>
635</div></div>
636<div id="tdi_10" class="tdc-row stretch_row"><div class="vc_row tdi_11  wpb_row td-pb-row tdc-element-style">
637<style scoped>.tdi_11,.tdi_11 .tdc-columns{min-height:0}.tdi_11,.tdi_11 .tdc-columns{display:block}.tdi_11 .tdc-columns{width:100%}.tdi_11:before,.tdi_11:after{display:table}@media (max-width:767px){#tdi_10{flex-grow:0}}@media (max-width:767px){.tdi_11{margin-top:0px!important;margin-bottom:30px!important;padding-bottom:10px!important;--tdb-scroll-anim:none!important;position:relative}}</style>
638<div class="tdi_10_rand_style td-element-style"><div class="td-element-style-before"><style>@media (max-width:767px){.tdi_10_rand_style>.td-element-style-before{content:''!important;width:100%!important;height:100%!important;position:absolute!important;top:0!important;left:0!important;display:block!important;z-index:0!important;border-color:var(--light-gray)!important;border-style:solid!important;border-width:0px 0px 1px 0px!important}}</style></div></div>
639<div class="vc_column tdi_13  wpb_column vc_column_container tdc-column td-pb-span12">
640<style scoped>.tdi_13{vertical-align:baseline}.tdi_13>.wpb_wrapper,.tdi_13>.wpb_wrapper>.tdc-elements{display:block}.tdi_13>.wpb_wrapper>.tdc-elements{width:100%}.tdi_13>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_13>.wpb_wrapper{width:auto;height:auto}</style>
641<div class="wpb_wrapper"><div class="vc_row_inner tdi_15  vc_row vc_inner wpb_row td-pb-row">
642<style scoped>.tdi_15{position:relative!important;top:0;transform:none;-webkit-transform:none}.tdi_15,.tdi_15 .tdc-inner-columns{display:block}.tdi_15 .tdc-inner-columns{width:100%}</style>
643<div class="vc_column_inner tdi_17  wpb_column vc_column_container tdc-inner-column td-pb-span12">
644<style scoped>.tdi_17{vertical-align:baseline}.tdi_17 .vc_column-inner>.wpb_wrapper,.tdi_17 .vc_column-inner>.wpb_wrapper .tdc-elements{display:block}.tdi_17 .vc_column-inner>.wpb_wrapper .tdc-elements{width:100%}@media (max-width:767px){.tdi_17{flex-grow:0}}@media (max-width:767px){.tdi_17{justify-content:center!important;text-align:center!important;--tdb-scroll-anim:none!important}}</style>
645<div class="vc_column-inner"><div class="wpb_wrapper"><div class="tdm_block td_block_wrap tdm_block_button tdi_18 tdm-block-button-inline tdm-content-horiz-left td-pb-border-top td_block_template_1" data-td-block-uid="tdi_18">
646<style>.tdi_18{--tdb-scroll-anim:none!important}</style>
647<style>.tdm_block.tdm_block_button{margin-bottom:0}.tdm_block.tdm_block_button .tds-button{line-height:0}.tdm_block.tdm_block_button.tdm-block-button-inline{display:inline-block}.tdm_block.tdm_block_button.tdm-block-button-full,.tdm_block.tdm_block_button.tdm-block-button-full .tdm-btn{display:block}.tdi_18 .tdm-btn{height:auto;padding:10px 15px}</style>
648<style>body .tdi_19{background-color:var(--highlight)}body .tdi_19:before{background-color:#000000}.tdi_19{padding:10px 15px;height:auto;line-height:1;font-family:var(--meta-buttons)!important;font-size:13px!important;font-weight:500!important}.tdi_19,.tdi_19:before{border-radius:3px}@media (min-width:1019px) and (max-width:1140px){.tdi_19{font-size:12px!important}}@media (min-width:768px) and (max-width:1018px){.tdi_19{font-size:12px!important}}@media (max-width:767px){.tdi_19{font-size:12px!important;letter-spacing:.3px!important}}</style>
649<div class="tds-button td-fix-index"><a href="/email/?esrc=header" title="Subscribe" class="tds-button1 tdm-btn tdm-btn-sm tdi_19 " target="_blank"><span class="tdm-btn-text">Subscribe</span></a></div>
650</div></div></div>
651</div>
652</div></div>
653</div>
654</div></div>
655</div></div>                </div>
656                
657                <div class="td-header-desktop-wrap ">
658                    <div id="tdi_20" class="tdc-zone"><div class="tdc_zone tdi_21  wpb_row td-pb-row">
659<style scoped>.tdi_21{min-height:0}.td-header-desktop-wrap{position:relative}.tdi_21{--tdb-scroll-anim:none!important}</style>
660<div id="tdi_22" class="tdc-row stretch_row_1200 td-stretch-content"><div class="vc_row tdi_23  wpb_row td-pb-row tdc-element-style">
661<style scoped>.tdi_23,.tdi_23 .tdc-columns{min-height:0}.tdi_23,.tdi_23 .tdc-columns{display:block}.tdi_23 .tdc-columns{width:100%}.tdi_23:before,.tdi_23:after{display:table}.tdi_23{margin-bottom:30px!important;padding-top:20px!important;--tdb-scroll-anim:none!important;position:relative}.tdi_23 .td_block_wrap{text-align:left}</style>
662<div class="tdi_22_rand_style td-element-style">
663<div class="td-element-style-before"><style>.tdi_22_rand_style>.td-element-style-before{content:''!important;width:100%!important;height:100%!important;position:absolute!important;top:0!important;left:0!important;display:block!important;z-index:0!important;border-color:var(--light-gray)!important;border-style:solid!important;border-width:0!important;background-size:cover!important;background-position:center top!important}</style></div>
664<style>.tdi_22_rand_style{background-color:#ffffff!important}</style>
665</div>
666<div class="vc_column tdi_25  wpb_column vc_column_container tdc-column td-pb-span12">
667<style scoped>.tdi_25{vertical-align:baseline}.tdi_25>.wpb_wrapper,.tdi_25>.wpb_wrapper>.tdc-elements{display:block}.tdi_25>.wpb_wrapper>.tdc-elements{width:100%}.tdi_25>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_25>.wpb_wrapper{width:auto;height:auto}.tdi_25{border-color:var(--light-gray)!important;border-style:solid!important;border-width:0!important}</style>
668<div class="wpb_wrapper">
669<div class="vc_row_inner tdi_27  vc_row vc_inner wpb_row td-pb-row">
670<style scoped>.tdi_27{position:relative!important;top:0;transform:none;-webkit-transform:none}.tdi_27,.tdi_27 .tdc-inner-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_27 .tdc-inner-columns{width:100%}@media (min-width:768px){.tdi_27{margin-left:-0px;margin-right:-0px}.tdi_27>.vc_column_inner,.tdi_27>.tdc-inner-columns>.vc_column_inner{padding-left:0px;padding-right:0px}}</style>
671<div class="vc_column_inner tdi_29  wpb_column vc_column_container tdc-inner-column td-pb-span4">
672<style scoped>.tdi_29{vertical-align:baseline;flex-grow:0}.tdi_29 .vc_column-inner>.wpb_wrapper,.tdi_29 .vc_column-inner>.wpb_wrapper .tdc-elements{display:block}.tdi_29 .vc_column-inner>.wpb_wrapper .tdc-elements{width:100%}</style>
673<div class="vc_column-inner"><div class="wpb_wrapper">
674<div class="td_block_wrap tdm_block_button_simplified tdi_30 td-pb-border-top td_block_template_1" data-td-block-uid="tdi_30">
675<style>.tdi_30{margin-top:0px!important;margin-bottom:0px!important;--tdb-scroll-anim:none!important}</style>
676<style>.tdm_block_button_simplified{display:inline-block;margin-bottom:0;transform:translateZ(0);vertical-align:middle;text-align:center!important;line-height:0}.tdm_block_button_simplified>.td-element-style{z-index:-1}.tdm_block_button_simplified a{display:inline-flex;align-items:center;justify-content:center;column-gap:14px;position:relative;padding:17px 36px 19px 36px;background-color:var(--td_theme_color,#4db2ec);font-size:15px;line-height:1.3;font-weight:500;
676transition:box-shadow .2s ease-in-out;transform:translateZ(0)}.tdm_block_button_simplified a:before{content:'';position:absolute;top:0;left:0;width:100%;height:100%;background:#222;z-index:-1;opacity:0;transition:opacity .2s ease-in-out}.tdm_block_button_simplified a:hover:before{opacity:1}.tdm_block_button_simplified a:after{content:'';position:absolute;top:0;left:0;width:100%;height:100%;z-index:0;border:0 solid #000;transition:border-color .2s ease-in-out;pointer-events:none}.tdm_block_button_simplified .tdm-btn-s-txt{color:#fff;transition:color .2s ease-in-out;z-index:1}.tdm_block_button_simplified .tdm-btn-s-icon{position:relative;font-size:1em;color:#fff;transition:color .2s ease-in-out;z-index:1}.tdm_block_button_simplified .tdm-btn-s-icon svg{display:block;width:1em;height:auto;line-height:1;fill:currentColor;transition:fill .2s ease-in-out}.tdi_30{display:block;text-align:left!important}.tdi_30 a{column-gap:7px;padding:3px 0;background:var(--accent-color);font-family:var(--meta-buttons)!important;font-size:14px!important;line-height:1!important;font-weight:400!important}.tdi_30 .tdm-btn-s-icon{font-size:15px}.tdi_30 a:before{background:var(--accent-color)}.tdi_30 .tdm-btn-s-txt,.tdi_30 .tdm-btn-s-icon{color:var(--dark-gray)}.tdi_30 a:hover .tdm-btn-s-txt,.tdi_30 a:hover .tdm-btn-s-icon{color:var(--medium-gray);-webkit-text-fill-color:unset;background:transparent;transition:none}.tdi_30 a:hover .tdm-btn-s-icon svg{fill:currentColor}.tdi_30 a .tdm-btn-s-icon{color:var(--dark-gray);-webkit-text-fill-color:unset;background:transparent}.tdi_30:hover a .tdm-btn-s-icon{color:var(--medium-gray);-webkit-text-fill-color:unset;background:transparent;transition:none}.tdi_30 a:hover a .tdm-btn-s-icon svg{fill:currentColor}@media (min-width:1019px) and (max-width:1140px){.tdi_30 .tdm-btn-s-icon{font-size:13px;top:0px}.tdi_30 a{font-size:13px!important}}@media (min-width:768px) and (max-width:1018px){.tdi_30 .tdm-btn-s-icon{font-size:13px;top:0px}.tdi_30 a{font-size:13px!important}}@media (max-width:767px){.tdi_30 .tdm-btn-s-icon{top:0px}}</style>
677<a href="/email/?esrc=headertext" title="Get our email newsletter"><i class="tdm-btn-s-icon td-icon-mail"></i><span class="tdm-btn-s-txt">Get our email newsletter</span></a>
678</div>
679<div class="td_block_wrap tdm_block_button_simplified tdi_31 td-pb-border-top td_block_template_1" data-td-block-uid="tdi_31">
680<style>.tdi_31{margin-top:0px!important;margin-bottom:0px!important;--tdb-scroll-anim:none!important}</style>
681<style>.tdi_31{display:block;text-align:left!important}.tdi_31 a{column-gap:9px;padding:3px 0;background:var(--accent-color);font-family:var(--meta-buttons)!important;font-size:14px!important;line-height:1!important;font-weight:400!important}.tdi_31 .tdm-btn-s-icon{font-size:15px}.tdi_31 a:before{background:var(--accent-color)}.tdi_31 .tdm-btn-s-txt,.tdi_31 .tdm-btn-s-icon{color:var(--dark-gray)}.tdi_31 a:hover .tdm-btn-s-txt,.tdi_31 a:hover .tdm-btn-s-icon{color:var(--medium-gray);-webkit-text-fill-color:unset;background:transparent;transition:none}.tdi_31 a:hover .tdm-btn-s-icon svg{fill:currentColor}.tdi_31 a .tdm-btn-s-icon{color:var(--dark-gray);-webkit-text-fill-color:unset;background:transparent}.tdi_31:hover a .tdm-btn-s-icon{color:var(--medium-gray);-webkit-text-fill-color:unset;background:transparent;transition:none}.tdi_31 a:hover a .tdm-btn-s-icon svg{fill:currentColor}@media (min-width:1019px) and (max-width:1140px){.tdi_31 .tdm-btn-s-icon{font-size:13px;top:0px}.tdi_31 a{font-size:13px!important}}@media (min-width:768px) and (max-width:1018px){.tdi_31 .tdm-btn-s-icon{font-size:13px;top:0px}.tdi_31 a{font-size:13px!important}}@media (max-width:767px){.tdi_31 .tdm-btn-s-icon{top:0px}}</style>
682<a href="https://regulation.401kspecialistmag.com/click/1402888" target="_blank" title="Prefer us on Google"><i class="tdm-btn-s-icon tdc-font-fa tdc-font-fa-google"></i><span class="tdm-btn-s-txt">Prefer us on Google</span></a>
683</div>
684</div></div>
685</div>
686<div class="vc_column_inner tdi_33  wpb_column vc_column_container tdc-inner-column td-pb-span4">
687<style scoped>.tdi_33{vertical-align:baseline;flex-grow:1}.tdi_33 .vc_column-inner>.wpb_wrapper,.tdi_33 .vc_column-inner>.wpb_wrapper .tdc-elements{display:block}.tdi_33 .vc_column-inner>.wpb_wrapper .tdc-elements{width:100%}</style>
688<div class="vc_column-inner"><div class="wpb_wrapper">
689<div class="td_block_wrap tdb_header_logo tdi_34 td-pb-border-top td_block_template_1 tdb-header-align" data-td-block-uid="tdi_34">
690<style>@media (min-width:768px) and (max-width:1018px){.tdi_34{--tdb-scroll-anim:none!important}}</style>
691<style>.tdi_34 .tdb-logo-a,.tdi_34 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_34 .tdb-logo-svg-wrap{max-width:300px;display:block}.tdi_34 .tdb-logo-svg-wrap svg{width:300px!important;height:auto}.tdi_34 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_34 .tdb-logo-img{max-width:250px}.tdi_34 .tdb-logo-img-wrap{display:block}.tdi_34 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:none}.tdi_34 .tdb-logo-text-title{display:none}.tdi_34 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_34 .tdb-logo-icon{top:0px;display:block}@media (min-width:768px) and (max-width:1018px){.tdi_34 .tdb-logo-img{max-width:200
691px}}@media (max-width:767px){.tdi_34 .tdb-logo-img{max-width:150px}.tdi_34 .tdb-logo-img-wrap{margin-top:0px;margin-bottom:0px;margin-right:5px;margin-left:0px}.tdi_34 .tdb-logo-img-wrap:first-child{margin-top:0;margin-left:0}.tdi_34 .tdb-logo-img-wrap:last-child{margin-bottom:0;margin-right:0}}</style>
692<div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="/" title="401(k) Specialist"><span class="tdb-logo-img-wrap"><img class="tdb-logo-img td-retina-data" data-retina="https://401kspecialistmag.com/wp-content/uploads/2025/10/[email protected]" src="https://401kspecialistmag.com/wp-content/uploads/2025/10/401k-logo.webp" alt="401k Specialist Magazine Logo" title="401(k) Specialist" width="582" height="108"></span><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">401(k) Specialist</span><span class="tdb-logo-text-tagline">News for Retirement Advisors</span></span></a></div>
693</div> <!-- ./block -->
694</div></div>
695</div>
696<div class="vc_column_inner tdi_36  wpb_column vc_column_container tdc-inner-column td-pb-span4">
697<style scoped>.tdi_36{vertical-align:baseline}.tdi_36 .vc_column-inner>.wpb_wrapper,.tdi_36 .vc_column-inner>.wpb_wrapper .tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-end;align-items:flex-start}.tdi_36 .vc_column-inner>.wpb_wrapper .tdc-elements{width:100%}.tdi_36 .vc_column-inner,.tdi_36 .vc_column-inner>.wpb_wrapper{width:100%;height:100%}</style>
698<div class="vc_column-inner"><div class="wpb_wrapper"><div class="tdm_block td_block_wrap tdm_block_button tdi_37 tdm-block-button-inline tdm-content-horiz-left td-pb-border-top omeda-logged-out td_block_template_1" data-td-block-uid="tdi_37">
699<style>.tdi_37{--tdb-scroll-anim:none!important}</style>
700<style>.tdi_37 .tdm-btn{height:auto;padding:10px 15px}</style>
701<style>body .tdi_38{background-color:var(--highlight)}body .tdi_38:before{background-color:#000000}.tdi_38{padding:10px 15px;height:auto;line-height:1;font-family:var(--meta-buttons)!important;font-size:13px!important;font-weight:600!important;letter-spacing:..3!important}.tdi_38,.tdi_38:before{border-radius:3px}@media (min-width:1019px) and (max-width:1140px){.tdi_38{font-size:12px!important}}@media (min-width:768px) and (max-width:1018px){.tdi_38{font-size:12px!important}}</style>
702<div class="tds-button td-fix-index"><a href="/email/?esrc=header" title="Subscribe" class="tds-button1 tdm-btn tdm-btn-sm tdi_38 "><span class="tdm-btn-text">Subscribe</span></a></div>
703</div></div></div>
704</div>
705</div>
706<div class="td_block_wrap tdb_header_search tdi_39 tdb-header-search-trigger-enabled td-pb-border-top td_block_template_1 tdb-header-align" data-td-block-uid="tdi_39">
707<style>.tdi_39{margin-top:20px!important;--tdb-scroll-anim:none!important}@media (min-width:768px) and (max-width:1018px){.tdi_39{display:none!important}}</style>
708<style>.tdb_module_header{width:100%;padding-bottom:0}.tdb_module_header .td-module-container{display:flex;flex-direction:column;position:relative}.tdb_module_header .td-module-container:before{content:'';position:absolute;bottom:0;left:0;width:100%;height:1px}.tdb_module_header .td-image-wrap{display:block;position:relative;padding-bottom:70%}.tdb_module_header .td-image-container{position:relative;width:100%;flex:0 0 auto}.tdb_module_header .td-module-thumb{margin-bottom:0}.tdb_module_header .td-module-meta-info{width:100%;margin-bottom:0;padding:7px 0 0 0;z-index:1;border:0 solid #eaeaea;min-height:0}.tdb_module_header .entry-title{margin:0;font-size:13px;font-weight:500;line-height:18px}.tdb_module_header .td-post-author-name,.tdb_module_header .td-post-date,.tdb_module_header .td-module-comments{vertical-align:text-top}.tdb_module_header .td-post-author-name,.tdb_module_header .td-post-date{top:3px}.tdb_module_header .td-thumb-css{width:100%;height:100%;position:absolute;background-size:cover;background-position:center center}.tdb_module_header .td-category-pos-image .td-post-category:not(.td-post-extra-category),.tdb_module_header .td-post-vid-time{position:absolute;z-index:2;bottom:0}.tdb_module_header .td-category-pos-image .td-post-category:not(.td-post-extra-category){left:0}.tdb_module_header .td-post-vid-time{right:0;background-color:#000;padding:3px 6px 4px;font-family:var(--td_default_google_font_1,'Open Sans','Open Sans Regular',sans-serif);font-size:10px;font-weight:600;line-height:1;color:#fff}.tdb_module_header .td-excerpt{margin:20px 0 0;line-height:21px}.tdb_module_header .td-read-more{margin:20px 0 0}.tdb_module_search .tdb-author-photo{display:inline-block}.tdb_module_search .tdb-author-photo,.tdb_module_search .tdb-author-photo img{vertical-align:middle}.tdb_module_search .td-post-author-name{white-space:normal}.tdb_header_search{margin-bottom:0;clear:none}.tdb_header_search .tdb-block-inner{position:relative;display:inline-block;width:100%}.tdb_header_search .tdb-search-form{position:relative;padding:20px;border-width:3px 0 0;border-style:solid;border-color:var(--td_theme_color,#4db2ec);pointer-events:auto}.tdb_header_search .tdb-search-form:before{content:'';position:absolute;top:0;left:0;width:100%;height:100%;background-color:#fff}.tdb_header_search .tdb-search-form-inner{position:relative;display:flex;background-color:#fff}.tdb_header_search .tdb-search-form-inner:after{content:'';position:absolute;top:0;left:0;width:100%;height:100%;border:1px solid #e1e1e1;pointer-events:none}.tdb_header_search .tdb-head-search-placeholder{position:absolute;top:50%;transform:translateY(-50%);padding:3px 9px;font-size:12px;line-height:21px;color:#999;-webkit-transition:all 0.3s ease;transition:all 0.3s ease;pointer-events:none}.tdb_header_search .tdb-head-search-form-input:focus+.tdb-head-search-placeholder,.tdb-head-search-form-input:not(:placeholder-shown)~.tdb-head-search-placeholder{opacity:0}
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708(--td_theme_color,#4db2ec)}.tdb-header-search-trigger-enabled .tdb-search-txt{position:relative;line-height:1}.tdb-header-search-trigger-enabled .tdb-drop-down-search{visibility:hidden;opacity:0;position:absolute;top:100%;left:0;-webkit-transform:translate3d(0,20px,0);transform:translate3d(0,20px,0);-webkit-transition:all 0.4s ease;transition:all 0.4s ease;pointer-events:none;z-index:10}.tdb-header-search-trigger-enabled .tdb-drop-down-search-open{visibility:visible;opacity:1;-webkit-transform:translate3d(0,0,0);transform:translate3d(0,0,0)}.tdb-header-search-trigger-enabled .tdb-drop-down-search-inner{position:relative;max-width:300px;pointer-events:all}.rtl .tdb-header-search-trigger-enabled .tdb-drop-down-search-inner{margin-left:0}.tdb_header_search .tdb-aj-srs-title{margin-bottom:10px;font-family:var(--td_default_google_font_2,'Roboto',sans-serif);font-weight:500;font-size:13px;line-height:1.3;color:#888}.tdb_header_search 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709<div class="tdb-block-inner td-fix-index">
710<div class="tdb-drop-down-search" aria-labelledby="td-header-search-button"><div class="tdb-drop-down-search-inner">
711<form method="get" class="tdb-search-form" action="https://401kspecialistmag.com/"><div class="tdb-search-form-inner">
712<input class="tdb-head-search-form-input" placeholder=" " type="text" value="" name="s" autocomplete="off"><button class="wpb_button wpb_btn-inverse btn tdb-head-search-form-btn" title="Search" type="submit" aria-label="Ask AI"><span>Ask AI</span></button>
713</div></form>
714<div class="tdb-aj-search"></div>
715</div></div>
716<a href="#" role="button" aria-label="" class="tdb-head-search-btn dropdown-toggle" data-toggle="dropdown"><i class="tdb-search-icon td-icon-search"></i></a>
717</div>
718</div> <!-- ./block --><div class="td_block_wrap tdb_header_menu tdi_40 tds_menu_active1 tds_menu_sub_active1 td-pb-border-top td_block_template_1 tdb-header-align" data-td-block-uid="tdi_40" style=" z-index: 999;">
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916<a class="tdb-entry-category" href="https://401kspecialistmag.com/opinion/"><span class="tdb-cat-bg"></span>Opinion Articles</a><i class="tdb-cat-sep td-icon-vertical-line"></i><a class="tdb-entry-category" href="https://401kspecialistmag.com/401k-news/"><span class="tdb-cat-bg"></span>Your 401(k) News</a><i class="tdb-cat-sep td-icon-vertical-line"></i>
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929<div class="tdb-block-inner td-fix-index">
930<h1 class="tdb-title-text">The Managed Account QDIA Paradox</h1>
931<div></div>
932<div class="tdb-title-line"></div>
933</div>
934</div>
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938<div class="tdb-block-inner td-fix-index"><p>Ron Surz says you can&rsquo;t manage assets for people who will not talk to you, and if they do talk to you it&rsquo;s not a Qualified Default Investment Alternative</p></div>
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948<div class="tdb-block-inner td-fix-index">
949<a class="tdb-author-photo" href="https://401kspecialistmag.com/author/ronsurz/" title="Ron Surz"><img alt="Ron Surz" src="https://401kspecialistmag.com/wp-content/uploads/2024/07/Ron-Surz.png" srcset="https://401kspecialistmag.com/wp-content/uploads/2024/07/Ron-Surz.png 2x" class="avatar avatar-50 photo" height="50" width="50" loading="lazy" decoding="async"></a><div class="tdb-author-name-wrap">
950<span class="tdb-author-by">By</span> <a class="tdb-author-name" href="https://401kspecialistmag.com/author/ronsurz/">Ron Surz</a>
951</div>
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960<div class="tdb-block-inner td-fix-index"><time class="entry-date updated td-module-date" datetime="2026-10-01T14:50:47-06:00">October 1, 2026</time></div>
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967<div class="tdb-block-inner td-fix-index">
968<i class="tdb-views-icon tdc-font-fa tdc-font-fa-clock-o"></i><span class="reading-time-number">9</span><span class="tdb-minute-text"> minute</span><span class="tdb-add-text"> read</span>
969</div>
970</div>
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972</div>
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1027<div class="tdb-block-inner td-fix-index">
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1041</div>
1042<p class="wp-block-paragraph"><strong><em>Key Points:</em></strong></p>
1043
1044
1045<div class="wp-block-image">
1046<figure class="alignright size-large is-resized"><img data-recalc-dims="1" fetchpriority="high" decoding="async" width="696" height="334" src="https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz1.webp?resize=696%2C334&amp;ssl=1" alt="Managed 401(k) account" class="wp-image-566786" style="aspect-ratio:2.0813324417968513;width:565px;height:auto" srcset="https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz1.webp?resize=1024%2C492&amp;ssl=1 1024w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz1.webp?resize=300%2C144&amp;ssl=1 300w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz1.webp?resize=768%2C369&amp;ssl=1 768w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz1.webp?resize=150%2C72&amp;ssl=1 150w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz1.webp?resize=696%2C335&amp;ssl=1 696w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz1.webp?w=1040&amp;ssl=1 1040w" sizes="(max-width: 696px) 100vw, 696px"><figcaption class="wp-element-caption">Graphics credit: Ron Surz</figcaption></figure>
1047</div>
1048
1049
1050<ul class="wp-block-list">
1051<li>A Qualified Default Investment Alternative (QDIA) is designed for non-engaging (defaulted) participants, yet &ldquo;managed&rdquo; account QDIAs claim to provide personalization without any interaction&mdash;creating an inherent paradox because they rely exclusively on recordkeepers&rsquo; wealth (capacity) data, without regard to participant needs and wants.</li>
1052
1053
1054
1055<li>It is very important to integrate risk tolerance (willingness) with risk capacity. Rich people with high risk capacity want to stay rich&mdash;they typically have low risk tolerance. Poor people want to stop being poor, so they have relatively high risk tolerance.</li>
1056
1057
1058
1059<li>Assets in truly managed accounts far exceed assets in &ldquo;managed&rdquo; account QDIAs, leading to confusion between these two distinct kinds of managed account. Assets in truly managed accounts are huge, primarily because rich people&rsquo;s portfolios are professionally managed. The much smaller amount of assets in managed account QDIAs are not truly managed because they exclude investor goals and preferences.</li>
1060
1061
1062
1063<li>A better, less complicated, default solution is a customized target date fund that blends Conservative/Moderate/Aggressive glide paths to match workforce demographics, sets a single retirement age, and uses only plan-approved funds.</li>
1064</ul>
1065
1066
1067
1068<p class="wp-block-paragraph">I recently wrote that a &ldquo;managed&rdquo; account Qualified Default Investment Alternative (QDIA) is NOT actually managed, and that this is a serious problem. In this new article I address the fact that regulations permit this practice, but there is a better, more prudent, approach that fiduciaries&nbsp;and participants&nbsp;should prefer. I also identify two types of &ldquo;managed accounts&rdquo;&mdash;truly managed and not truly managed. This is an expose&rsquo; with a recommended solution.</p>
1069
1070
1071
1072<p class="wp-block-paragraph">Think &ldquo;<a href="https://www.google.com/url?sa=t&amp;source=web&amp;rct=j&amp;opi=89978449&amp;url=https://401kspecialistmag.com/the-emperor-has-no-clothes-wealth-managements-risky-push-into-401ks/&amp;ved=2ahUKEwjp_dXUmYOXAxU9H0QIHezAN7YQFnoECB0QAQ&amp;usg=AOvVaw2HqAMj_CSZqHLfXphbsBaT" target="_blank" rel="noreferrer noopener">Emperor&rsquo;s New Clothes</a>.&rdquo; I hope you find this discussion revealing and enlightening.</p>
1073<div class="td-a-ad id_inline_ad0 id_ad_content-horiz-center">
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1086<p class="wp-block-paragraph">A Situational Paradox is a condition that contains opposing factors that lead to a&nbsp;logical trap with no escape.&nbsp;Managedaccount QDIAs are paradoxical because by definition a QDIA is for people who will not engage, so you can&rsquo;t actually manage their accounts, and if they do engage it&rsquo;s not a QDIA. This is more than just a semantical trap because 401(k) participant lifetime savings are at risk. QDIA participants trust their employer to somehow figure out a good solution. They shouldn&rsquo;t trust if the QDIA is a managed account because their risk tolerance is being ignored.</p>
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1089
1090<h2 id="h-the-importance-of-risk-tolerance" class="wp-block-heading"><strong>The Importance of Risk Tolerance</strong></h2>
1091
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1093
1094<p class="wp-block-paragraph">Risk tolerance is the willingness to take risk. It is limited by risk capacity, the ability to take risk, namely wealth. Managed account QDIAs use risk capacity estimated from recordkeeper wealth data and ignore risk tolerance because defaulted participants won&rsquo;t tell them that, and if they do tell it&rsquo;s not a QDIA.<strong></strong></p>
1095
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1097
1098<p class="wp-block-paragraph">When participants do engage to identify their risk tolerance they are not defaulting so they&rsquo;re not in a QDIA. Assets in truly managed accounts far exceed the QDIA version. It&rsquo;s important to recognize the distinction between&nbsp;<em>actually</em>&nbsp;managed accounts and actually&nbsp;<em>unmanaged</em>&nbsp;QDIA &ldquo;managed&rdquo; accounts.<strong></strong></p>
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1112<p class="wp-block-paragraph">Some say that risk tolerance is too illusive to capture and that questionnaires fail to obtain accurate readings, but publications like this&nbsp;<a href="https://www.finra.org/investors/insights/know-your-risk-tolerance" target="_blank" rel="noreferrer noopener">FINRA article</a>&nbsp;disagree. Also, behavioral scientist&nbsp;<a href="https://www.researchgate.net/publication/228204110_Questionnaires_of_Risk_Tolerance_Regret_Overconfidence_and_Other_Investor_Propensities" target="_blank" rel="noreferrer noopener">Professor Meir Statman has identified the challenges and how to address them.</a>&nbsp;Where there&rsquo;s a will, there&rsquo;s a way.</p>
1113
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1115
1116<p class="wp-block-paragraph">Risk capacity should limit risk tolerance as an upper bound rather than dangerously taking all of it, as is the case with QDIAs.</p>
1117
1118
1119
1120<p class="wp-block-paragraph">But can defaulted participants, who are generally not rich or financially sophisticated, actually identify their risk tolerance?&nbsp;<a href="https://res.americancentury.com/docs/10th-Annual-Retirement-Savers-Survey-presentation.pdf" target="_blank" rel="noreferrer noopener">Participant surveys</a>&nbsp;say they can: they want to be protected as they approach retirement. Surveys report that defaulted participant risk tolerance is very low near retirement, which is consistent with low risk capacity, so reliance on capacity alone for those near retirement might be all right, but maybe not all right for younger participants, especially if they want a shot at not being poor.</p>
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1134<p class="wp-block-paragraph">Most assets in managed accounts are in fact actually managed because investors in these accounts are financially sophisticated, so not invested in a default. Here&rsquo;s the distinction.</p>
1135
1136
1137
1138<h2 id="h-two-types-of-managed-accounts-actually-managed-and-qdia" class="wp-block-heading"><strong>Two Types of Managed Accounts: Actually Managed and QDIA</strong></h2>
1139
1140
1141<div class="wp-block-image">
1142<figure class="aligncenter size-full"><img data-recalc-dims="1" decoding="async" width="696" height="287" src="https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz2.webp?resize=696%2C287&amp;ssl=1" alt="Two types of managed accounts" class="wp-image-566787" srcset="https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz2.webp?w=936&amp;ssl=1 936w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz2.webp?resize=300%2C124&amp;ssl=1 300w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz2.webp?resize=768%2C317&amp;ssl=1 768w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz2.webp?resize=150%2C62&amp;ssl=1 150w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz2.webp?resize=696%2C287&amp;ssl=1 696w" sizes="(max-width: 696px) 100vw, 696px"></figure>
1143</div>
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1145
1146<p class="wp-block-paragraph"><a href="https://www.ici.org/statistical-report/ret_25_q2" target="_blank" rel="noreferrer noopener">The Investment Company Institute (ICI) reports</a>&nbsp;that total assets in retirement savings plans exceed $50 trillion, with $15 trillion in defined contribution (DC) plans and $20 trillion in Individual Retirement Accounts (IRAs).&nbsp;<a href="https://www.cerulli.com/reports/us-managed-accounts-2026" target="_blank" rel="noreferrer noopener">Cerulli</a> reports that<strong>&nbsp;</strong>total<strong>&nbsp;</strong>managed account assets in DC and IRA accounts grew 20% in 2025, from $13.7 trillion to $16.3 trillion due in large part to participant attraction to personalization because investing is personal. What this report, and others like it, fails to acknowledge is the existence of two distinct types of managed accounts&mdash;one type is truly managed while the other is not. Truly managed accounts are not QDIAs because the participant actively engages.</p>
1147
1148
1149<div class="wp-block-image">
1150<figure class="alignright size-full is-resized"><img data-recalc-dims="1" decoding="async" width="264" height="272" src="https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz3.webp?resize=264%2C272&amp;ssl=1" alt="Not a QDIA" class="wp-image-566788" style="width:199px;height:auto" srcset="https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz3.webp?w=264&amp;ssl=1 264w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz3.webp?resize=150%2C155&amp;ssl=1 150w" sizes="(max-width: 264px) 100vw, 264px"></figure>
1151</div>
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1153
1154<p class="wp-block-paragraph">Most assets categorized as managed accounts are truly managed but are not in a QDIA. Adoption of the&nbsp;QDIA version has grown, but it&nbsp;<a href="https://90northllc.com/managed-accounts-as-qdias-balancing-prudence-process-and-participant-needs/" target="_blank" rel="noreferrer noopener">remains a minority strategy.</a>&nbsp;According to New England Pension Consultants&rsquo; 2024 Defined Contribution Survey, 46% of plans offer managed accounts, but only 9% use them as the default investment.</p>
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1157
1158<p class="wp-block-paragraph">We focus on the QDIA in this article. Of the $16 trillion in managed accounts, less than $1 trillion is in managed account QDIAs. Rich people do not default; their investments are professionally managed.</p>
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1161
1162<p class="wp-block-paragraph">Fiduciaries should not confuse the relatively small amount of &ldquo;managed&rdquo; account assets in QDIAs with the much larger amount in the real deal; it&rsquo;s an&nbsp;<a href="https://www.edelmanfinancialengines.com/education/workplace/401k-managed-accounts/" target="_blank" rel="noreferrer noopener">easy mistake to make</a>. Services like Guided Choice, Wealthramp, ProManage and Edelman Financial Engines require participant engagement, so they are not QDIAs.</p>
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1165
1166<p class="wp-block-paragraph">Here&rsquo;s an overview of the (Un)Managed Account QDIA paradox:</p>
1167
1168
1169<div class="wp-block-image">
1170<figure class="aligncenter size-full is-resized"><img data-recalc-dims="1" loading="lazy" decoding="async" width="696" height="150" src="https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz4.webp?resize=696%2C150&amp;ssl=1" alt="Unmanaged account paradox" class="wp-image-566790" style="aspect-ratio:4.634074074074074;width:670px;height:auto" srcset="https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz4.webp?w=936&amp;ssl=1 936w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz4.webp?resize=300%2C65&amp;ssl=1 300w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz4.webp?resize=768%2C166&amp;ssl=1 768w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz4.webp?resize=150%2C32&amp;ssl=1 150w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz4.webp?resize=696%2C150&amp;
1170ssl=1 696w" sizes="auto, (max-width: 696px) 100vw, 696px"></figure>
1171</div>
1172
1173
1174<h2 id="h-regulations-and-prudence" class="wp-block-heading"><strong>Regulations and Prudence</strong></h2>
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1177
1178<p class="wp-block-paragraph">We have researched regulations governing managed account QDIAs and find that they allow current practices that use recordkeeper wealth data to make the important risk decision,&nbsp;<strong><u>with no participant interaction</u></strong>. Under&nbsp;<a href="https://90northllc.com/managed-accounts-as-qdias-balancing-prudence-process-and-participant-needs/">Department of Labor regulations</a>, managed accounts meet the regulatory definition of a QDIA when they allocate assets based on participant characteristics such as age, salary, and projected retirement date.</p>
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1182<p class="wp-block-paragraph">The underlying assumption is that wealthy people can afford more risk; they have high risk capacity so they can take more risk, but that doesn&rsquo;t mean they should. Note that the regulations do not require a determination of risk tolerance.</p>
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1186<p class="wp-block-paragraph"><strong>Taking all the risk you can (capacity) puts you in the&nbsp;<u>danger zone</u>. Toning down capacity with risk tolerance puts you in the&nbsp;<u>comfort zone</u>.</strong></p>
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1190<p class="wp-block-paragraph">Even though the regulations permit the current practice of ignoring risk tolerance, fiduciaries should be concerned. Here&rsquo;s why.</p>
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1194<h2 id="h-fiduciary-responsibilities" class="wp-block-heading"><strong>Fiduciary Responsibilities</strong></h2>
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1197
1198<p class="wp-block-paragraph">&ldquo;<a href="https://www.investopedia.com/terms/k/knowyourclient.asp" target="_blank" rel="noreferrer noopener">Know your client</a>&rdquo; goes well beyond wealth alone. Even though there are no specific laws that prohibit reliance on risk capacity alone in managed account QDIAs, this leads to exposure to high risk. Reliance on capacity alone means taking all the risk you can afford or guesstimating how much capacity you want to use up.</p>
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1202<p class="wp-block-paragraph">ERISA requires fiduciaries to prudently investigate and understand the methodology by which a proposed managed account QDIA determines the appropriate level of investment risk, including whether and how the service evaluates participant-specific&nbsp;<strong><u>risk tolerance, risk capacity</u></strong>, investment objectives, and other material financial circumstances.</p>
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1206<p class="wp-block-paragraph">Advisors to 401(k) plans are further held to FINRA suitability standards. Registered securities professionals are required to follow&nbsp;<a href="https://www.finra.org/rules-guidance/key-topics/suitability" target="_blank" rel="noreferrer noopener">FINRA Suitability Rule 2111</a>&nbsp;that says: the following, with emphases added by me:</p>
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1210<p class="wp-block-paragraph">&ldquo;<em>A firm or associated person must have a reasonable basis to believe a recommended transaction or investment strategy involving a security or securities is suitable for the customer. This is based on the information obtained through reasonable diligence of the firm or associated person to ascertain the customer&rsquo;s investment profile.</em></p>
1211
1212
1213
1214<p class="wp-block-paragraph"><em>The rule states that the customer&rsquo;s investment profile &ldquo;includes, but is not limited to, the customer&rsquo;s age, other investments, financial situation and&nbsp;<strong><u>needs</u></strong>, tax status, investment&nbsp;<strong><u>objectives</u></strong>, investment experience, investment time horizon, liquidity needs [and]&nbsp;<strong><u>risk</u></strong>&nbsp;<strong><u>tolerance,</u></strong>&rdquo; among other information. A broker&rsquo;s &ldquo;recommendation,&rdquo; which is based on the facts and circumstances of a particular case, is the triggering event for application of the rule.</em></p>
1215
1216
1217
1218<p class="wp-block-paragraph">The more a managed account is marketed as personalized&mdash;including the recent emergence of&nbsp;<a href="https://401kspecialistmag.com/risk-capacity-used-in-ptdas-is-much-more-dangerous-than-risk-tolerance/" target="_blank" rel="noreferrer noopener">personalized target date accounts</a>&mdash;the stronger the fiduciary obligation to investigate whether it actually possesses and uses the information necessary to individualize the participant&rsquo;s portfolio.</p>
1219
1220
1221
1222<p class="wp-block-paragraph">Fiduciaries need to know if and how risk tolerance is determined. Smart, prudent investment fiduciaries will avoid managed account QDIAs because they do not integrate risk capacity with risk tolerance.</p>
1223
1224
1225
1226<p class="wp-block-paragraph">The following details the importance of integrating risk capacity with risk tolerance.</p>
1227
1228
1229
1230<h2 id="h-risk-should-be-risk-tolerance-limited-by-risk-capacity" class="wp-block-heading"><strong>Risk Should Be Risk Tolerance Limited by Risk Capacity</strong></h2>
1231
1232
1233<div class="wp-block-image">
1234<figure class="alignleft size-full is-resized"><img data-recalc-dims="1" loading="lazy" decoding="async" width="696" height="276" src="https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz6.webp?resize=696%2C276&amp;ssl=1" alt="Risk tolerance" class="wp-image-566791" style="aspect-ratio:2.5215879167287722;width:605px;height:auto" srcset="https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz6.webp?w=938&amp;ssl=1 938w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz6.webp?resize=300%2C119&amp;ssl=1 300w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz6.webp?resize=768%2C305&amp;ssl=1 768w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz6.webp?resize=150%2C59&amp;ssl=1 150w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz6.webp?resize=696%2C276&amp;
1234ssl=1 696w" sizes="auto, (max-width: 696px) 100vw, 696px"></figure>
1235</div>
1236
1237
1238<p class="wp-block-paragraph">Because they like being rich, most rich people want to stay rich&mdash;they have low risk tolerance that uses only a little of their high risk capacity. A&nbsp;risk tolerance adjusted portfolio for the wealthy will likely not perform as well as an unadjusted portfolio, though it may well provide a more satisfying result.&nbsp;<a href="https://www.amazon.com/dp/1556238045?lv=shuf&amp;channelId=500&amp;plpRedirect=mhFallback" target="_blank" rel="noreferrer noopener">Stocks for the long run</a>&nbsp;has been documented by Professor Jeremy Siegel. There can be an opportunity cost for protecting a fortune against losses.</p>
1239
1240
1241
1242<p class="wp-block-paragraph">Because they don&rsquo;t like being poor, poor people could want to take risk in hopes of not staying poor&mdash;they might have high risk tolerance that uses most of their risk capacity. Consequently, reliance on risk capacity alone may be just right for these participants.</p>
1243
1244
1245
1246<p class="wp-block-paragraph">You can only know risk tolerance by asking because it&rsquo;s personal. But when you get an answer, it&rsquo;s not a QDIA.</p>
1247
1248
1249
1250<h2 id="h-a-simpler-more-sensible-qdia" class="wp-block-heading"><strong>A Simpler More Sensible QDIA</strong></h2>
1251
1252
1253
1254<p class="wp-block-paragraph">Fiduciaries should not choose managed account QDIAs because they are very complicated and paradoxical. Instead of guessing individual risk based on recordkeeper wealth data, a customized TDF should be created for all defaulted participants, following&nbsp;<a href="https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/fact-sheets/target-date-retirement-funds-tips-for-erisa-plan-fiduciaries" target="_blank" rel="noreferrer noopener">DoL guidance</a>&nbsp;to conform the TDF to workforce demographics.</p>
1255
1256
1257
1258<p class="wp-block-paragraph">Specifically, the sponsor chooses the appropriate risk for the TDF QDIA by blending Conservative-Moderate-Aggressive glidepaths, plus setting a retirement age for all who default. And the custom glidepath invests in the funds approved for the 401(k). Voila!</p>
1259
1260
1261<div class="wp-block-image">
1262<figure class="aligncenter size-full is-resized"><img data-recalc-dims="1" loading="lazy" decoding="async" width="696" height="323" src="https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz7.webp?resize=696%2C323&amp;ssl=1" alt="Lifetime glide paths" class="wp-image-566793" style="aspect-ratio:2.151568443008466;width:696px;height:auto" srcset="https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz7.webp?w=994&amp;ssl=1 994w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz7.webp?resize=300%2C139&amp;ssl=1 300w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz7.webp?resize=768%2C357&amp;ssl=1 768w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz7.webp?resize=150%2C70&amp;ssl=1 150w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz7.webp?resize=696%2C323&amp;ssl=1 696w" sizes="auto, (max-width: 696px) 100vw, 696px"></figure>
1263</div>
1264
1265
1266<p class="wp-block-paragraph">At $5 Trillion and growing, TDFs are the most popular QDIA for good reasons. Note also that TDFs do not claim to manage accounts. Rather, they follow&nbsp;<a href="https://401kspecialistmag.com/fiduciaries-incite-revenge-of-the-baby-boomers/" target="_blank" rel="noreferrer noopener">academic lifetime investing theory</a>&nbsp;that integrates human capital with investment capital through time. As human capital depletes, financial capital becomes safer because we become more reliant on it. As shown in the graphic above, we advocate re-risking in retirement to extend the life of investments after you pass through the Retirement Risk Zone.</p>
1267
1268
1269<div class="wp-block-image">
1270<figure class="aligncenter size-full is-resized"><img data-recalc-dims="1" loading="lazy" decoding="async" width="696" height="338" src="https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz8.webp?resize=696%2C338&amp;ssl=1" alt="Academic lifetime investing theory" class="wp-image-566794" style="aspect-ratio:2.06168232316733
127014;width:643px;height:auto" srcset="https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz8.webp?w=936&amp;ssl=1 936w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz8.webp?resize=300%2C146&amp;ssl=1 300w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz8.webp?resize=768%2C373&amp;ssl=1 768w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz8.webp?resize=150%2C73&amp;ssl=1 150w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz8.webp?resize=696%2C338&amp;ssl=1 696w" sizes="auto, (max-width: 696px) 100vw, 696px"></figure>
1271</div>
1272
1273
1274<h2 id="h-conclusion" class="wp-block-heading"><strong>Conclusion</strong></h2>
1275
1276
1277
1278<p class="wp-block-paragraph">Risk tolerance (preference) limited by risk capacity (wealth) determines appropriate investment risk. Neither tolerance alone nor capacity alone are sufficient under ERISA&rsquo;s fiduciary duty. Yet managed account QDIAs rely exclusively on risk capacity derived from recordkeeper wealth data because defaulted participants will not engage in order to disclose their risk tolerance. If a participant does engage, the investment is not a QDIA.</p>
1279
1280
1281
1282<p class="wp-block-paragraph">The less than $1 trillion in managed account QDIAs is easily confused with the more than $15 trillion in actually managed accounts. Wealthy people use professional asset managers.</p>
1283
1284
1285
1286<p class="wp-block-paragraph">The big mistake in managed account QDIAs is taking more risk than a participant wants, since risk capacity is the most risk you can take. It&rsquo;s a mistake that is permitted by law but not by prudence standards. A better, simpler, more prudent approach is to customize a TDF QDIA to workforce demographics as recommended by the DoL in its&nbsp;<a href="https://www.google.com/url?sa=t&amp;source=web&amp;rct=j&amp;opi=89978449&amp;url=https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/fact-sheets/target-date-retirement-funds-tips-for-erisa-plan-fiduciaries&amp;ved=2ahUKEwimr82LoIOXAxXAI0QIHR0BEDgQFnoECA8QAQ&amp;usg=AOvVaw0vO9y3mJCJgxIiaxFGt9PR" target="_blank" rel="noreferrer noopener">TDF Tips</a>.</p>
1287
1288
1289
1290<p class="wp-block-paragraph">Participants who have been defaulted into managed account QDIAs should consider not remaining in that default investment.&nbsp;<a href="https://everhartadvisors.com/85-of-participants-remained-fully-invested-over-a-decade/" target="_blank" rel="noreferrer noopener">Roughly 80% of 401(k) participants default their investment election</a>&nbsp;to their employer as a QDIA, so this is a very important topic.</p>
1291
1292
1293
1294<p class="wp-block-paragraph">A QDIA cannot be truly managed because by definition its participants do not engage.</p>
1295
1296
1297
1298<p class="wp-block-paragraph"><strong><em>EDITOR&rsquo;S NOTE:</em></strong>&nbsp;<em>401(k) Specialist is committed to sharing different perspectives from throughout the workplace retirement plan community. The views expressed in guest op-eds and columns are those of the writers and do not necessarily represent the views of 401(k) Specialist.</em></p>
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1377<div class="td-block-title-wrap"><h4 class="td-block-title"><span class="td-pulldown-size">What's New</span></h4></div>
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1396            <div class="td-module-container td-category-pos-">
1397                
1398                <div class="td-module-meta-info">
1399                                        
1400                    <h3 class="entry-title td-module-title"><a href="https://401kspecialistmag.com/nuveen-completes-acquisition-of-schroders/" rel="bookmark" title="Nuveen Completes Acquisition of Schroders">Nuveen Completes Acquisition of Schroders</a></h3>
1401                    
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1411            <div class="td-module-container td-category-pos-">
1412                
1413                <div class="td-module-meta-info">
1414                                        
1415                    <h3 class="entry-title td-module-title"><a href="https://401kspecialistmag.com/keith-sonderling-confirmed-as-31st-secretary-of-labor/" rel="bookmark" title="Keith Sonderling Confirmed as 31st&nbsp;Secretary of Labor">Keith Sonderling Confirmed as 31st&nbsp;Secretary of Labor</a></h3>
1416                    
1417                    
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1426            <div class="td-module-container td-category-pos-">
1427                
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1429                                        
1430                    <h3 class="entry-title td-module-title"><a href="https://401kspecialistmag.com/longer-lives-raise-retirement-funding-worries/" rel="bookmark" title="Longer Lives Raise Retirement Funding Worries">Longer Lives Raise Retirement Funding Worries</a></h3>
1431                    
1432                    
1433                    
1434                    
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1442                
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1444                                        
1445                    <h3 class="entry-title td-module-title"><a href="https://401kspecialistmag.com/social-security-claiming-age-terminology-overhaul-heads-to-trumps-desk/" rel="bookmark" title="Social Security Claiming Age Terminology Overhaul Heads to Trump&rsquo;s Desk">Social Security Claiming Age Terminology Overhaul Heads to Trump&rsquo;s Desk</a></h3>
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1472<div class="td-block-title-wrap"><h4 class="td-block-title"><span class="td-pulldown-size">Leaders Speak</span></h4></div>
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1494                                        
1495                    <h3 class="entry-title td-module-title"><a href="https://401kspecialistmag.com/cit-adoption-401k-fees-flexibility-mfs/" rel="bookmark" title="CIT Adoption is Rising as Plan Sponsors Weigh Tradeoffs Like Fees and Flexibility">CIT Adoption is Rising as Plan Sponsors Weigh Tradeoffs Like Fees and Flexibility</a></h3>
1496                    
1497                    
1498                    
1499                    
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1509                                        
1510                    <h3 class="entry-title td-module-title"><a href="https://401kspecialistmag.com/401k-fund-monitoring-bloomberg-lawsuit/" rel="bookmark" title="When &ldquo;Set It and Forget It&rdquo; Becomes a Liability">When &ldquo;Set It and Forget It&rdquo; Becomes a Liability</a></h3>
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1512                    
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1514                    
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1573                                    <div class="td-image-container">
1574                                                <div class="td-module-thumb"><a href="https://401kspecialistmag.com/401k-fund-monitoring-bloomberg-lawsuit/" rel="bookmark" class="td-image-wrap " title="When &ldquo;Set It and Forget It&rdquo; Becomes a Liability"><span class="entry-thumb td-thumb-css" data-type="css_image" data-img-url="https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/03/401k-fund-monitoring.webp?resize=696%2C392&amp;ssl=1"></span></a></div>                                                                    </div>
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1577                                        <a href="https://401kspecialistmag.com/thought-leaders/sponsored-articles/" class="td-post-category">Sponsored Articles</a>
1578                    <h3 class="entry-title td-module-title"><a href="https://401kspecialistmag.com/401k-fund-monitoring-bloomberg-lawsuit/" rel="bookmark" title="When &ldquo;Set It and Forget It&rdquo; Becomes a Liability">When &ldquo;Set It and Forget It&rdquo; Becomes a Liability</a></h3>
1579                    
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1594                                        <a href="https://401kspecialistmag.com/thought-leaders/industry-whitepapers/" class="td-post-category">Industry White Papers</a>
1595                    <h3 class="entry-title td-module-title"><a href="https://401kspecialistmag.com/cit-adoption-401k-fees-flexibility-mfs/" rel="bookmark" title="CIT Adoption is Rising as Plan Sponsors Weigh Tradeoffs Like Fees and Flexibility">CIT Adoption is Rising as Plan Sponsors Weigh Tradeoffs Like Fees and Flexibility</a></h3>
1596                    
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1675</div></div>                    <span class="td-page-meta" itemprop="author" itemscope itemtype="https://schema.org/Person"><meta itemprop="name" content="Ron Surz">
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1695<style scoped>.tdi_143,.tdi_143 .tdc-columns{min-height:0}.tdi_143,.tdi_143 .tdc-columns{display:block}.tdi_143 .tdc-columns{width:100%}.tdi_143:before,.tdi_143:after{display:table}@media (min-width:768px){.tdi_143{margin-left:-10px;margin-right:-10px}.tdi_143 .tdc-row-video-background-error,.tdi_143>.vc_column,.tdi_143>.tdc-columns>.vc_column{padding-left:10px;padding-right:10px}}@media (min-width:768px) and (max-width:1018px){.tdi_143,.tdi_143 .tdc-columns{display:flex;flex-direction:row;flex-wrap:wrap;justify-content:flex-start;align-items:flex-start}.tdi_143 .tdc-columns{width:100%}.tdi_143:before,.tdi_143:after{display:none}}@media (max-width:767px){.tdi_143,.tdi_143 .tdc-columns{display:flex;flex-direction:row;flex-wrap:wrap;justify-content:flex-start;align-items:flex-start}.tdi_143 .tdc-columns{width:100%}.tdi_143:before,.tdi_143:after{display:none}}.tdi_143{margin-bottom:30px!important;padding-top:30px!important;--tdb-scroll-anim:none!important;position:relative}.tdi_143 .td_block_wrap{text-align:left}</style>
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1697<div class="vc_column tdi_145  wpb_column vc_column_container tdc-column td-pb-span3">
1698<style scoped>.tdi_145{vertical-align:baseline}.tdi_145>.wpb_wrapper,.tdi_145>.wpb_wrapper>.tdc-elements{display:block}.tdi_145>.wpb_wrapper>.tdc-elements{width:100%}.tdi_145>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_145>.wpb_wrapper{width:auto;height:auto}@media (min-width:1019px) and (max-width:1140px){div.tdi_145{width:30%!important}}@media (min-width:768px) and (max-width:1018px){div.tdi_145{width:100%!important}}@media (max-width:767px){.tdi_145>.wpb_wrapper,.tdi_145>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:column;flex-wrap:nowrap;justify-content:flex-start;align-items:flex-start}.tdi_145>.wpb_wrapper>.tdc-elements{width:100%}.tdi_145>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_145>.wpb_wrapper{width:100%;height:100%}}@media (min-width:768px) and (max-width:1018px){.tdi_145{width:100%!important}}</style>
1699<div class="wpb_wrapper">
1700<div class="td_block_wrap tdb_header_logo tdi_146 td-pb-border-top td_block_template_1 tdb-header-align" data-td-block-uid="tdi_146">
1701<style>.tdi_146{margin-bottom:10px!important}@media (min-width:768px) and (max-width:1018px){.tdi_146{margin-bottom:15px!important}}@media (max-width:767px){.tdi_146{margin-bottom:15px!important}}</style>
1702<style>.tdi_146 .tdb-logo-a,.tdi_146 h1{flex-direction:row;align-items:center;justify-content:flex-start}
1702.tdi_146 .tdb-logo-svg-wrap{max-width:200px;display:block}.tdi_146 .tdb-logo-svg-wrap svg{width:200px!important;height:auto}.tdi_146 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_146 .tdb-logo-img{max-width:150px}.tdi_146 .tdb-logo-img-wrap{display:block}.tdi_146 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:none}.tdi_146 .tdb-logo-text-title{display:none}.tdi_146 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_146 .tdb-logo-icon{top:0px;display:block}</style>
1703<div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="/" title="401(k) Specialist"><span class="tdb-logo-img-wrap"><img class="tdb-logo-img td-retina-data" data-retina="https://401kspecialistmag.com/wp-content/uploads/2025/10/[email protected]" src="https://401kspecialistmag.com/wp-content/uploads/2025/10/401k-logo.webp" alt="401(k) Specialist" title="401(k) Specialist" width="582" height="108"></span><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">401(k) Specialist</span><span class="tdb-logo-text-tagline">News for Retirement Advisors</span></span></a></div>
1704</div> <!-- ./block --><div class="tdm_block td_block_wrap tdm_block_inline_text tdi_147 td-pb-border-top td_block_template_1" data-td-block-uid="tdi_147">
1705<style>@media (min-width:768px) and (max-width:1018px){.tdi_147{margin-bottom:20px!important;width:450px!important}}@media (max-width:767px){.tdi_147{margin-bottom:30px!important}}</style>
1706<style>.tdm_block.tdm_block_inline_text{margin-bottom:0;vertical-align:top}.tdm_block.tdm_block_inline_text .tdm-descr{margin-bottom:0;-webkit-transform:translateZ(0);transform:translateZ(0)}.tdc-row-content-vert-center .tdm-inline-text-yes{vertical-align:middle}.tdc-row-content-vert-bottom .tdm-inline-text-yes{vertical-align:bottom}.tdi_147{text-align:left!important}.tdi_147 .tdm-descr{color:var(--dark-gray);font-family:var(--meta-buttons)!important;font-size:14px!important;line-height:1.5!important}</style>
1707<p class="tdm-descr">News, insights, and analysis on the trends, products, and policy shaping the retirement plan industry.</p>
1708</div>
1709</div>
1710</div>
1711<div class="vc_column tdi_149  wpb_column vc_column_container tdc-column td-pb-span3">
1712<style scoped>.tdi_149{vertical-align:baseline}.tdi_149>.wpb_wrapper,.tdi_149>.wpb_wrapper>.tdc-elements{display:block}.tdi_149>.wpb_wrapper>.tdc-elements{width:100%}.tdi_149>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_149>.wpb_wrapper{width:auto;height:auto}@media (min-width:1019px) and (max-width:1140px){div.tdi_149{width:20%!important}}@media (min-width:768px) and (max-width:1018px){div.tdi_149{width:30%!important}}@media (max-width:767px){div.tdi_149{width:50%!important}}@media (min-width:768px) and (max-width:1018px){.tdi_149{width:33%!important}}</style>
1713<div class="wpb_wrapper">
1714<div class="td_block_wrap td_block_title tdi_150 td-pb-border-top td_block_template_9 td-fix-index" data-td-block-uid="tdi_150">
1715<style>.tdi_150 .td-block-title>*{color:var(--secondary)!important}.tdi_150 .td-block-title:after{background-color:var(--secondary)!important}.tdi_150{margin-bottom:0px!important}</style>
1716<style>body .tdi_150 .td-block-title a,body .tdi_150 .td-block-title span{font-family:var(--meta-buttons)!important;font-size:15px!important;line-height:1!important;font-weight:700!important}body .tdi_150 .td-block-title{text-align:left}body .tdi_150.td_block_template_4 .td-block-title>*:before{right:auto;left:10px}body .tdi_150.td_block_template_5 .td-block-title>*{border-width:0 0 0 4px}body .tdi_150.td_block_template_8 .td-block-title>*{padding-left:0;padding-right:20px}body .tdi_150.td_block_template_9 .td-block-title:after{right:auto;left:0}body .tdi_150.td_block_template_13 .td-block-subtitle{right:auto;left:-4px}body .tdi_150.td_block_template_17 .td-block-title:after{right:auto;left:15px}body .tdi_150.td_block_template_12 .td-block-title{justify-content:flex-start}</style>
1717<div class="td-block-title-wrap"><h4 class="td-block-title"><span class="td-pulldown-size">About</span></h4></div>
1718</div>
1719<div class="tdm_block td_block_wrap tdm_block_inline_text tdi_151 td-pb-border-top td_block_template_1" data-td-block-uid="tdi_151">
1720<style>@media (min-width:768px) and (max-width:1018px){.tdi_151{margin-bottom:10px!important;width:450px!important}}@media (max-width:767px){.tdi_151{margin-bottom:10px!important}}</style>
1721<style>.tdi_151{text-align:left!important}.tdi_151 .tdm-descr{color:var(--dark-gray);font-family:var(--meta-buttons)!important;font-size:14px!important;line-height:1.5!important}.tdi_151 .tdm-descr a{color:var(--dark-gray)}.tdi_151 .tdm-descr a:hover{color:var(--highlight)}@media (max-width:767px){.tdi_151 .tdm-descr{font-size:13px!important}}</style>
1722<p class="tdm-descr"><a href="/about/">About 401(k) Specialist</a><br>
1723<a href="/advertise/">Advertising Info</a><br>
1724<a href="/contact/">Contact Us</a></p>
1725</div>
1726</div>
1727</div>
1728<div class="vc_column tdi_153  wpb_column vc_column_container tdc-column td-pb-span3">
1729<style scoped>.tdi_153{vertical-align:baseline}.tdi_153>.wpb_wrapper,.tdi_153>.wpb_wrapper>.tdc-elements{display:block}.tdi_153>.wpb_wrapper>.tdc-elements{width:100%}.tdi_153>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_153>.wpb_wrapper{width:auto;height:auto}@media (min-width:1019px) and (max-width:1140px){div.tdi_153{width:20%!important}}@media (min-width:768px) and (max-width:1018px){div.tdi_153{width:30%!important}}@media (max-width:767px){div.tdi_153{width:50%!important}}@media (min-width:768px) and (max-width:1018px){.tdi_153{width:34%!important}}</style>
1730<div class="wpb_wrapper">
1731<div class="td_block_wrap td_block_title tdi_154 td-pb-border-top td_block_template_9 td-fix-index" data-td-block-uid="tdi_154">
1732<style>.tdi_154 .td-block-title>*{color:var(--secondary)!important}.tdi_154 .td-block-title:after{background-color:var(--secondary)!important}.tdi_154{margin-bottom:0px!important}</style>
1733<style>body .tdi_154 .td-block-title a,body .tdi_154 .td-block-title span{font-family:var(--meta-buttons)!important;font-size:15px!important;line-height:1!important;font-weight:700!important}body .tdi_154 .td-block-title{text-align:left}body .tdi_154.td_block_template_4 .td-block-title>*:before{right:auto;left:10px}body .tdi_154.td_block_template_5 .td-block-title>*{border-width:0 0 0 4px}body .tdi_154.td_block_template_8 .td-block-title>*{padding-left:0;padding-right:20px}body .tdi_154.td_block_template_9 .td-block-title:after{right:auto;left:0}body .tdi_154.td_block_template_13 .td-block-subtitle{right:auto;left:-4px}body .tdi_154.td_block_template_17 .td-block-title:after{right:auto;left:15px}body .tdi_154.td_block_template_12 .td-block-title{justify-content:flex-start}</style>
1734<div class="td-block-title-wrap"><h4 class="td-block-title"><span class="td-pulldown-size">Subscribe</span></h4></div>
1735</div>
1736<div class="tdm_block td_block_wrap tdm_block_inline_text tdi_155 td-pb-border-top td_block_template_1" data-td-block-uid="tdi_155">
1737<style>@media (min-width:768px) and (max-width:1018px){.tdi_155{margin-bottom:10px!important;width:450px!important}}@media (max-width:767px){.tdi_155{margin-bottom:10px!important}}</style>
1738<style>.tdi_155{text-align:left!important}.tdi_155 .tdm-descr{color:var(--dark-gray);font-family:var(--meta-buttons)!important;font-size:14px!important;line-height:1.5!important}.tdi_155 .tdm-descr a{color:var(--dark-gray)}.tdi_155 .tdm-descr a:hover{color:var(--highlight)}@media (max-width:767px){.tdi_155 .tdm-descr{font-size:13px!important}}</style>
1739<p class="tdm-descr"><a href="/email/?ssrc=footer">Join 401(k) Specialist</a>
1740<br>
1741<a href="/podkast/">Pod(k)ast</a>
1742<br></p>
1743</div>
1744</div>
1745</div>
1746<div class="vc_column tdi_157  wpb_column vc_column_container tdc-column td-pb-span3">
1747<style scoped>.tdi_157{vertical-align:baseline}.tdi_157>.wpb_wrapper,.tdi_157>.wpb_wrapper>.tdc-elements{display:block}.tdi_157>.wpb_wrapper>.tdc-elements{width:100%}.tdi_157>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_157>.wpb_wrapper{width:auto;height:auto}@media (min-width:1019px) and (max-width:1140px){div.tdi_157{width:30%!important}}@media (min-width:768px) and (max-width:1018px){div.tdi_157{width:40%!important}}</style>
1748<div class="wpb_wrapper">
1749<div class="td_block_wrap td_block_title tdi_158 td-pb-border-top td_block_template_9 td-fix-index" data-td-block-uid="tdi_158">
1750<style>.tdi_158 .td-block-title>*{color:var(--secondary)!important}.tdi_158 .td-block-title:after{background-color:var(--secondary)!important}.tdi_158{margin-bottom:0px!important}@media (max-width:767px){.tdi_158{margin-top:20px!important}}</style>
1751<style>body .tdi_158 .td-block-title a,body .tdi_158 .td-block-title span{font-family:var(--meta-buttons)!important;font-size:15px!important;line-height:1!important;font-weight:700!important}body .tdi_158 .td-block-title{text-align:left}body .tdi_158.td_block_template_4 .td-block-title>*:before{right:auto;left:10px}body .tdi_158.td_block_template_5 .td-block-title>*{border-width:0 0 0 4px}body .tdi_158.td_block_template_8 .td-block-title>*{padding-left:0;padding-right:20px}body .tdi_158.td_block_template_9 .td-block-title:after{right:auto;left:0}body .tdi_158.td_block_template_13 .td-block-subtitle{right:auto;left:-4px}body .tdi_158.td_block_template_17 .td-block-title:after{right:auto;left:15px}body .tdi_158.td_block_template_12 .td-block-title{justify-content:flex-start}</style>
1752<div class="td-block-title-wrap"><h4 class="td-block-title"><span class="td-pulldown-size">Follow</span></h4></div>
1753</div>
1754<div class="tdm_block td_block_wrap tdm_block_socials tdi_159 tdm-content-horiz-left td-pb-border-top td_block_template_1" data-td-block-uid="tdi_159">
1755<style>@media (max-width:767px){.tdi_159{margin-bottom:0px!important}}</style>
1756<style>.tdm_block.tdm_block_socials{margin-bottom:0}.tdm-social-wrapper{*zoom:1}.tdm-social-wrapper:before,.tdm-social-wrapper:after{display:table;content:'';line-height:0}.tdm-social-wrapper:after{clear:both}.tdm-social-item-wrap{display:inline-block}.tdm-social-item{position:relative;display:inline-flex;align-items:center;justify-content:center;vertical-align:middle;-webkit-transition:all 0.2s;transition:all 0.2s;text-align:center;-webkit-transform:translateZ(0);transform:translateZ(0)}.tdm-social-item i{font-size:14px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-text{display:none;margin-top:-1px;vertical-align:middle;font-size:13px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-item-wrap:hover i,.tdm-social-item-wrap:hover .tdm-social-text{color:#000}.tdm-social-item-wrap:last-child .tdm-social-text{margin-right:0!important}</style>
1757<style>.tdi_160 .tdm-social-item i{font-size:16px;vertical-align:middle;line-height:32px}.tdi_160 .tdm-social-item i.td-icon-linkedin,.tdi_160 .tdm-social-item i.td-icon-pinterest,.tdi_160 .tdm-social-item i.td-icon-blogger,.tdi_160 .tdm-social-item i.td-icon-vimeo{font-size:12.8px}.tdi_160 .tdm-social-item{width:32px;height:32px;margin:4.5px 9px 4.5px 0;border-radius:3px}.tdi_160 .tdm-social-item-wrap:last-child .tdm-social-item{margin-right:0!important}.tdi_160 .tdm-social-item i,.tds-team-member2 .tdi_160.tds-social4 .tdm-social-item i{color:var(--dark-gray)}.tdi_160 .tdm-social-item-wrap:hover i,body .tds-team-member2 .tdi_160.tds-social4 .tdm-social-item-wrap:hover i{color:var(--medium-gray)}body .tdi_160 .tdm-social-item{border:1px solid var(--light-gray)}body .tdi_160 .tdm-social-item-wrap:hover .tdm-social-item{border-color:var(--light-gray)}.tdi_160 .tdm-social-text{display:none;margin-left:2px;margin-right:18px}@media (min-width:1019px) and (max-width:1140px){body .tdi_160 .tdm-social-item{border:1px solid var(--light-gray)}}@media (min-width:768px) and (max-width:1018px){body .tdi_160 .tdm-social-item{border:1px solid var(--light-gray)}}@media (max-width:767px){body .tdi_160 .tdm-social-item{border:1px solid var(--light-gray)}}</style>
1758<div class="tdm-social-wrapper tds-social4 tdi_160">
1759<div class="tdm-social-item-wrap"><a href="/signup/?ssrc=footericon" target="_blank" title="Mail-1" class="tdm-social-item"><i class="td-icon-font td-icon-mail-1"></i><span style="display: none">Mail-1</span></a></div>
1760<div class="tdm-social-item-wrap"><a href="https://www.linkedin.com/company/401-k-specialist-magazine" target="_blank" title="Linkedin" class="tdm-social-item"><i class="td-icon-font td-icon-linkedin"></i><span style="display: none">Linkedin</span></a></div>
1761<div class="tdm-social-item-wrap">
1761<a href="https://twitter.com/401kspecmag" target="_blank" title="Twitter" class="tdm-social-item"><i class="td-icon-font td-icon-twitter"></i><span style="display: none">Twitter</span></a></div>
1762<div class="tdm-social-item-wrap"><a href="https://facebook.com/401kSpecialist" target="_blank" title="Facebook" class="tdm-social-item"><i class="td-icon-font td-icon-facebook"></i><span style="display: none">Facebook</span></a></div>
1763<div class="tdm-social-item-wrap"><a href="https://www.youtube.com/@401kSpecialistMagazine" target="_blank" title="Youtube" class="tdm-social-item"><i class="td-icon-font td-icon-youtube"></i><span style="display: none">Youtube</span></a></div>
1764</div>
1765</div>
1766</div>
1767</div>
1768</div></div>
1769<div id="tdi_161" class="tdc-row stretch_row_1200 td-stretch-content"><div class="vc_row tdi_162  wpb_row td-pb-row tdc-row-content-vert-center">
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1771<div class="vc_column tdi_164  wpb_column vc_column_container tdc-column td-pb-span12">
1772<style scoped>.tdi_164{vertical-align:baseline}.tdi_164>.wpb_wrapper,.tdi_164>.wpb_wrapper>.tdc-elements{display:block}.tdi_164>.wpb_wrapper>.tdc-elements{width:100%}.tdi_164>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_164>.wpb_wrapper{width:auto;height:auto}@media (min-width:768px) and (max-width:1018px){div.tdi_164{width:100%!important}}@media (max-width:767px){.tdi_164>.wpb_wrapper,.tdi_164>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:column;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_164>.wpb_wrapper>.tdc-elements{width:100%}.tdi_164>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_164>.wpb_wrapper{width:100%;height:100%}}</style>
1773<div class="wpb_wrapper">
1774<div class="wpb_wrapper td_block_separator td_block_wrap vc_separator tdi_166  td_separator_solid td_separator_center">
1775<span style="border-color:var(--light-gray);border-width:1px;width:100%;"></span>
1776<style scoped>.tdi_166{margin-bottom:20px!important}</style>
1777</div>
1778<div class="vc_row_inner tdi_168  vc_row vc_inner wpb_row td-pb-row">
1779<style scoped>.tdi_168{position:relative!important;top:0;transform:none;-webkit-transform:none}.tdi_168,.tdi_168 .tdc-inner-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_168 .tdc-inner-columns{width:100%}</style>
1780<div class="vc_column_inner tdi_170  wpb_column vc_column_container tdc-inner-column td-pb-span12">
1781<style scoped>.tdi_170{vertical-align:baseline}.tdi_170 .vc_column-inner>.wpb_wrapper,.tdi_170 .vc_column-inner>.wpb_wrapper .tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_170 .vc_column-inner>.wpb_wrapper .tdc-elements{width:100%}.tdi_170 .vc_column-inner,.tdi_170 .vc_column-inner>.wpb_wrapper{width:100%;height:100%}@media (max-width:767px){.tdi_170 .vc_column-inner>.wpb_wrapper,.tdi_170 .vc_column-inner>.wpb_wrapper .tdc-elements{flex-direction:column;align-items:flex-start}}</style>
1782<div class="vc_column-inner"><div class="wpb_wrapper">
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2070style":"tdi_39_rand_style"}';
2071                tdbSearchItem.jqueryObj = jQuery('.tdi_39');
2072                tdbSearchItem._openSearchFormClass = 'tdb-drop-down-search-open';
2073                tdbSearchItem._resultsLimit = '4';
2074
2075                
2076	                                tdbSearchItem._is_live_search_active = false;
2077	            
2078                
2079                tdbSearch.addItem( tdbSearchItem );
2080
2081            });
2082        
2083        
2084
2085                
2086                    /* global jQuery:{} */
2087                    jQuery(document).ready( function () {
2088
2089                        var tdbMenuItem = new tdbMenu.item();
2090                        tdbMenuItem.blockUid = 'tdi_40';
2091                        tdbMenuItem.jqueryObj = jQuery('.tdi_40');
2092
2093                        tdbMenuItem.blockAtts = 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2093style":"tdi_40_rand_style","context":""}';
2094
2095                    
2096                        
2097                        tdbMenuItem.isMegaMenuParentPos = true;
2098
2099                        
2100                        tdbMenuItem.megaMenuLoadType = '';
2101
2102                        
2103                        tdbMenu.addItem(tdbMenuItem);
2104
2105                    });
2106                
2107                
2108
2109                
2110                    /* global jQuery:{} */
2111                    jQuery(document).ready( function () {
2112
2113                        var tdbMenuItem = new tdbMenu.item();
2114                        tdbMenuItem.blockUid = 'tdi_52';
2115                        tdbMenuItem.jqueryObj = jQuery('.tdi_52');
2116
2117                        tdbMenuItem.blockAtts = '{"sub_tdicon":"td-icon-right-arrow","mm_align_horiz":"content-horiz-center","modules_on_row_regular":"20%","modules_on_row_cats":"25%","image_size":"td_324x400","modules_category":"image","show_excerpt":"none","show_com":"none","show_date":"none","show_author":"none","mm_sub_align_horiz":"content-horiz-right","mm_elem_align_horiz":"content-horiz-right","align_horiz":"content-horiz-center","menu_id":"1877","f_elem_font_family":"meta-buttons_global","f_elem_font_transform":"none","f_elem_font_size":"eyJhbGwiOiIxMyIsInBvcnRyYWl0IjoiMTMifQ==","tds_menu_active1-line_color":"var(--accent-color)","tds_menu_active1-line_height":"2","tds_menu_active1-line_alignment":"12","elem_padd":"eyJwb3J0cmFpdCI6IjAgOHB4IiwiYWxsIjoiMCA1cHgifQ==","sub_align_horiz":"content-horiz-left","f_elem_font_weight":"400","sub_width":"200","main_sub_icon_space":"4","text_color":"var(--dark-gray)","elem_space":"10","f_elem_font_line_height":"1","tds_menu_active1-text_color_h":"var(--highlight)","block_type":"tdb_header_menu","show_subcat":"","show_mega":"","show_mega_cats":"","mob_load":"","role_nav":"","separator":"","width":"","inline":"","more":"","float_right":"","main_sub_tdicon":"","main_sub_icon_size":"","main_sub_icon_align":"-1","sep_tdicon":"","sep_icon_size":"","sep_icon_space":"","sep_icon_align":"-1","more_txt":"","more_tdicon":"","more_icon_size":"","more_icon_align":"0","sub_first_left":"","sub_rest_top":"","sub_padd":"","sub_elem_inline":"","sub_elem_space":"","sub_elem_padd":"","sub_elem_radius":"0","sub_icon_size":"","sub_icon_space":"","sub_icon_pos":"","sub_icon_align":"1","mm_width":"","mm_content_width":"","mm_height":"","mm_padd":"","mm_radius":"","mm_offset":"","mm_align_screen":"","mm_posts_limit":"5","mm_subcats_posts_limit":"4","mm_child_cats":"","open_in_new_window":"","mm_ajax_preloading":"","mm_hide_all_item":"","mm_sub_width":"","mm_sub_padd":"","mm_sub_border":"","mm_sub_inline":"","mm_elem_order":"name","mm_elem_space":"","mm_elem_padd":"","mm_elem_border":"","mm_elem_border_a":"","mm_elem_border_rad":"","mc1_tl":"","mc1_title_tag":"","mc1_el":"","modules_gap":"","m_padding":"","all_modules_space":"36","modules_border_size":"","modules_border_style":"","modules_border_color":"#eaeaea","modules_divider":"","modules_divider_color":"#eaeaea","h_effect":"","image_alignment":"50","image_height":"","image_width":"","image_floated":"no_float","image_radius":"","hide_image":"","video_icon":"","show_vid_t":"block","vid_t_margin":"","vid_t_padding":"","vid_t_color":"","vid_t_bg_color":"","f_vid_time_font_header":"","f_vid_time_font_title":"Video 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title","f_title_font_settings":"","f_title_font_family":"","f_title_font_size":"","f_title_font_line_height":"","f_title_font_style":"","f_title_font_weight":"","f_title_font_transform":"","f_title_font_spacing":"","f_title_":"","f_cat_font_title":"Article category tag","f_cat_font_settings":"","f_cat_font_family":"","f_cat_font_size":"","f_cat_font_line_height":"","f_cat_font_style":"","f_cat_font_weight":"","f_cat_font_transform":"","f_cat_font_spacing":"","f_cat_":"","f_meta_font_title":"Article meta info","f_meta_font_settings":"","f_meta_font_family":"","f_meta_font_size":"","f_meta_font_line_height":"","f_meta_font_style":"","f_meta_font_weight":"","f_meta_font_transform":"","f_meta_font_spacing":"","f_meta_":"","f_ex_font_title":"Article 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2117style":"tdi_52_rand_style","context":""}';
2118
2119                    
2120                        
2121                        tdbMenuItem.isMegaMenuParentPos = true;
2122
2123                        
2124                        tdbMenuItem.megaMenuLoadType = '';
2125
2126                        
2127                        tdbMenu.addItem(tdbMenuItem);
2128
2129                    });
2130                
2131                
2132
2133        
2134            jQuery().ready(function () {
2135
2136                var tdbSearchItem = new tdbSearch.item();
2137
2138                //block unique ID
2139                tdbSearchItem.blockUid = 'tdi_59';
2140                tdbSearchItem.blockAtts = '{"inline":"yes","toggle_txt_pos":"after","form_align":"content-horiz-right","results_msg_align":"content-horiz-center","image_floated":"float_left","image_width":"30","image_size":"td_324x400","show_cat":"none","show_btn":"none","show_date":"","show_review":"none","show_com":"none","show_excerpt":"none","show_author":"none","meta_padding":"2px 0 0 15px","art_title":"0 0 5px","all_modules_space":"20","float_block":"yes","icon_color":"#000000","icon_color_h":"var(--highlight)","icon_padding":"1.5","tdc_css":"eyJhbGwiOnsibWFyZ2luLWxlZnQiOiIxMCIsImRpc3BsYXkiOiIifX0=","disable_live_search":"yes","form_border_color":"var(--highlight)","arrow_color":"var(--highlight)","f_input_font_family":"meta-buttons_global","f_placeholder_font_family":"meta-buttons_global","f_btn_font_family":"meta-buttons_global","f_btn_font_size":"12","btn_bg":"#000000","btn_bg_h":"var(--highlight)","form_offset":"13","block_type":"tdb_header_search","post_type":"","disable_trigger":"","show_form":"","show_results":"yes","separator":"","exclude_pages":"","exclude_posts":"","search_section_header":"","results_section_1_title":"","results_section_1_taxonomies":"","results_section_1_level":"","results_section_2_title":"","results_section_2_taxonomies":"","results_section_2_level":"","results_section_3_title":"","results_section_3_taxonomies":"","results_section_3_level":"","results_section_search_query_terms":"","results_section_search_query_terms_title":"","results_section_search_query_terms_taxonomies":"","sec_title_space":"","sec_title_color":"","tax_space":"","tax_title_color":"","tax_title_color_h":"","f_sec_title_font_header":"","f_sec_title_font_title":"Section title text","f_sec_title_font_settings":"","f_sec_title_font_family":"","f_sec_title_font_size":"","f_sec_title_font_line_height":"","f_sec_title_font_style":"","f_sec_title_font_weight":"","f_sec_title_font_transform":"","f_sec_title_font_spacing":"","f_sec_title_":"","f_tax_title_font_title":"Taxonomy title 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duration 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shadow","input_shadow_shadow_size":"","input_shadow_shadow_offset_horizontal":"","input_shadow_shadow_offset_vertical":"","input_shadow_shadow_spread":"","input_shadow_shadow_color":"","btn_color":"","btn_color_h":"","btn_icon_color":"","btn_icon_color_h":"","btn_border_color":"","btn_border_color_h":"","btn_shadow_shadow_header":"","btn_shadow_shadow_title":"Button shadow","btn_shadow_shadow_size":"","btn_shadow_shadow_offset_horizontal":"","btn_shadow_shadow_offset_vertical":"","btn_shadow_shadow_spread":"","btn_shadow_shadow_color":"","f_input_font_header":"","f_input_font_title":"Input text","f_input_font_settings":"","f_input_font_size":"","f_input_font_line_height":"","f_input_font_style":"","f_input_font_weight":"","f_input_font_transform":"","f_input_font_spacing":"","f_input_":"","f_placeholder_font_title":"Placeholder text","f_placeholder_font_settings":"","f_placeholder_font_size":"","f_placeholder_font_line_height":"","f_placeholder_font_style":"","f_placeholder_font_weight":"","f_placeholder_font_transform":"","f_placeholder_font_spacing":"","f_placeholder_":"","f_btn_font_title":"Button text","f_btn_font_settings":"","f_btn_font_line_height":"","f_btn_font_style":"","f_btn_font_weight":"","f_btn_font_transform":"","f_btn_font_spacing":"","f_btn_":"","results_bg":"","results_border_color":"","results_msg_color":"","results_msg_color_h":"","results_msg_bg":"","results_msg_border_color":"","f_results_msg_font_header":"","f_results_msg_font_title":"Text","f_results_msg_font_settings":"","f_results_msg_font_family":"","f_results_msg_font_size":"","f_results_msg_font_line_height":"","f_results_msg_font_style":"","f_results_msg_font_weight":"","f_results_msg_font_transform":"","f_results_msg_font_spacing":"","f_results_msg_":"","m_bg":"","color_overlay":"","shadow_module_shadow_header":"","shadow_module_shadow_title":"Module Shadow","shadow_module_shadow_size":"","shadow_module_shadow_offset_horizontal":"","shadow_module_shadow_offset_vertical":"","shadow_module_shadow_spread":"","shadow_module_shadow_color":"","title_txt":"","title_txt_hover":"","all_underline_height":"","all_underline_color":"#000","cat_bg":"","cat_bg_hover":"","cat_txt":"","cat_txt_hover":"","cat_border":"","cat_border_hover":"","meta_bg":"","author_txt":"","author_txt_hover":"","date_txt":"","ex_txt":"","com_bg":"","com_txt":"","rev_txt":"","shadow_meta_shadow_header":"","shadow_meta_shadow_title":"Meta info shadow","shadow_meta_shadow_size":"","shadow_meta_shadow_offset_horizontal":"","shadow_meta_shadow_offset_vertical":"","shadow_meta_shadow_spread":"","shadow_meta_shadow_color":"","btn_bg_hover":"","btn_txt":"","btn_txt_hover":"","btn_border_hover":"","f_title_font_header":"","f_title_font_title":"Article title","f_title_font_settings":"","f_title_font_family":"","f_title_font_size":"","f_title_font_line_height":"","f_title_font_style":"","f_title_font_weight":"","f_title_font_transform":"","f_title_font_spacing":"","f_title_":"","f_cat_font_title":"Article category tag","f_cat_font_settings":"","f_cat_font_family":"","f_cat_font_size":"","f_cat_font_line_height":"","f_cat_font_style":"","f_cat_font_weight":"","f_cat_font_transform":"","f_cat_font_spacing":"","f_cat_":"","f_meta_font_title":"Article meta info","f_meta_font_settings":"","f_meta_font_family":"","f_meta_font_size":"","f_meta_font_line_height":"","f_meta_font_style":"","f_meta_font_weight":"","f_meta_font_transform":"","f_meta_font_spacing":"","f_meta_":"","f_ex_font_title":"Article excerpt","f_ex_font_settings":"","f_ex_font_family":"","f_ex_font_size":"","f_ex_font_line_height":"","f_ex_font_style":"","f_ex_font_weight":"","f_ex_font_transform":"","f_ex_font_spacing":"","f_ex_":"","el_class":"","block_template_id":"","td_column_number":1,"header_color":"","ajax_pagination_infinite_stop":"","offset":"","limit":"5","td_ajax_preloading":"","td_ajax_filter_type":"","td_filter_default_txt":"","td_ajax_filter_ids":"","color_preset":"","ajax_pagination":"","ajax_pagination_next_prev_swipe":"","border_top":"","css":"","class":"tdi_59","tdc_css_class":"tdi_59","tdc_css_class_
2140style":"tdi_59_rand_style"}';
2141                tdbSearchItem.jqueryObj = jQuery('.tdi_59');
2142                tdbSearchItem._openSearchFormClass = 'tdb-drop-down-search-open';
2143                tdbSearchItem._resultsLimit = '4';
2144
2145                
2146	                                tdbSearchItem._is_live_search_active = false;
2147	            
2148                
2149                tdbSearch.addItem( tdbSearchItem );
2150
2151            });
2152        
2153        
2154
2155            
2156                jQuery(window).on( 'load', function () {
2157                    var block = jQuery('.tdi_94'),
2158                        blockClass = '.tdi_94',
2159                        blockInner = block.find('.tdb-block-inner'),
2160                        blockOffsetLeft;
2161
2162                    if( block.find('audio').length > 0 ) {
2163                        jQuery(blockClass + ' audio').mediaelementplayer();
2164                    }
2165
2166                    if( block.hasClass('tdb-sfi-stretch') ) {
2167                        jQuery(window).resize(function () {
2168                            blockOffsetLeft = block.offset().left;
2169
2170                            if( block.hasClass('tdb-sfi-stretch-left') ) {
2171                                blockInner.css('margin-left', -blockOffsetLeft + 'px');
2172                            } else {
2173                                blockInner.css('margin-right', -(jQuery(window).width() - (blockOffsetLeft + block.outerWidth())) + 'px');
2174                            }
2175                        });
2176                        jQuery(window).resize();
2177                    }
2178
2179                    setTimeout(function () {
2180                        block.css('opacity', 1);
2181                    }, 500);
2182                });
2183            
2184            
2185
2186            
2187                jQuery().ready(function () {
2188
2189                    var blockClass = '.tdi_172';
2190
2191                    jQuery(blockClass + '.tdb-horiz-menu-singleline > .menu-item-has-children a').click(function (e) {
2192                        e.preventDefault();
2193                    })
2194
2195                });
2196            
2197            
2198</script>
2198
2199
2200
2201<script>var td_res_context_registered_atts=["style_general_mobile_menu","style_general_header_align","style_general_header_logo","style_general_mobile_search","style_general_button","style_general_tdm_block_button_simplified","style_general_module_header","style_general_header_search","style_general_header_search_trigger_enabled","style_general_header_menu","style_general_single_categories","style_general_single_title","style_general_title_single","style_bg_space","style_general_single_excerpt","style_general_post_meta","style_general_single_author","style_general_inline_text_simplified_2","style_general_single_date","style_general_reading_time","style_general_single_post_share","style_general_featured_image","style_general_single_content","style_general_single_tags","style_general_search_form","style_general_tdb_flex_block_builder","style_general_separator","style_general_inline_text","style_general_socials","style_general_mobile_horiz_menu"];</script>
2201
2202
2203</body>
2204</html>
2205<!-- Parsed with iubenda experimental class in 0.018 sec. -->
2206<!-- This website is like a Rocket, isn't it? Performance optimized by WP Rocket. Learn more: https://wp-rocket.me - Debug: cached@1790906617 -->

Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.