The Fiduciary Formula

Josh Itzoe

Are you the decision-maker for your company’s retirement plan? In legal-speak, that’s known as a fiduciary, and it’s a heavy responsibility.

In fact, you’re probably aware that you’re personally liable for your decisions, and you’ve probably heard all the horror stories about lawsuits against companies like yours and people like you. You may also be facing immense pressure from your employees and coworkers, who are trusting you to make decisions about their retirement future. Meanwhile, you’re being bombarded by hordes of slick salespeople spouting confusing technical jargon.

But the “f-word” isn’t a responsibility you should fear. It’s one you should embrace!

That’s where The Fiduciary Formula comes in. This simple, easy-to-understand guide teaches you how to build a retirement plan your company can be proud of. Covering everything from plan design, fees, and investments to participant support and provider management, The Fiduciary Formula is your roadmap for making successful decisions for your company and the people you care about.

Press & Praise

David Booth, founder and executive chairman of Dimensional Fund Advisors LP

"The evolution of financial science has improved the lives of real people, and Josh Itzoe has helped to channel this spirit by advocating for evidence-based investing in retirement accounts. His contributions continue in his new book, The Fiduciary Formula, a comprehensive guide that will help fiduciaries in their quest to continuously improve outcomes for 401(k) plan participants."

Fielding Miller, CEO and co-founder of CAPTRUST

"I have admired Josh for many years. He is a pioneer in our industry, and at the forefront of helping retirement plan fiduciaries understand their responsibilities and navigate the complexities of ERISA. Anyone serving as a retirement plan fiduciary would be well served by reading this book. Your company, your participants, and your fellow committee members will be happy you did."

Ann Schleck, principal at InspiredMeetings by Ann Schleck and former National Practice Leader for Defined Contribution Plans at Deloitte

"The Fiduciary Formula is an insightful and timely book that provides practical guidance for overseeing and managing a retirement plan in a changing world. If you are a fiduciary, read this book! It will help you make sound decisions for your organization and your employees."

Josh Itzoe

Josh Itzoe is a co-founder, partner, and chief strategy officer at Greenspring Advisors, a registered investment advisor (RIA) and the 2018 PLANSPONSOR Retirement Plan Adviser of the Year–Small Team. He is also the host of the Fiduciary U podcast and creator of FeeMetri(k)s.

A passionate advocate for fiduciary principles, Itzoe is also the author of one of the retirement industry’s most well-known books on fiduciary responsibility for defined contribution plans, Fixing the 401(k): What Fiduciaries Must Know (And Do) To Help Employees Retire Successfully. This is his second book.

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