<?xml version="1.0" encoding="UTF-8"?>
<!-- generator="wordpress.com" -->
<urlset xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd"><url><loc>https://fiduciaryinvestsense.com/2026/03/31/reasserting-erisas-private-enforcement-design-a-rebuttal-to-ebsas-frivolous-litigation-narrative/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2026/03/ebsa.jpg</image:loc><image:title>EBSA</image:title></image:image><lastmod>2026-03-31T23:41:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2026/03/15/when-income-is-not-enough-why-the-continued-inclusion-of-in-plan-annuities-may-breach-erisa-duties-when-compared-to-capital-preserving-income-alternatives-and-strategies/</loc><lastmod>2026-03-16T11:42:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2026/03/01/the-active-management-value-ratio-as-a-cost-benefit-framework-integrating-ai-into-fiduciary-prudence-analysis/</loc><lastmod>2026-03-01T20:27:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2026/02/05/battle-of-the-best-interests-whose-are-the-ebsa-and-the-dol-supposed-to-serve-and-whose-are-they-really-serving/</loc><lastmod>2026-02-06T02:15:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2026/01/22/guest-article-on-supreme-courts-decision-to-hear-the-intel-case/</loc><lastmod>2026-01-22T21:06:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2026/01/18/fair-dinkum-a-critique-of-the-ebsas-amicus-brief-in-pizarro-v-home-depot/</loc><lastmod>2026-01-18T22:09:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/contact/</loc><lastmod>2026-01-12T19:38:09+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://fiduciaryinvestsense.com/2026/01/04/upon-further-review-the-3-x-3-analysis-that-shows-why-prudent-plan-sponsors-will-never-offer-annuities-within-their-plan/</loc><lastmod>2026-01-04T20:50:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2025/12/14/the-dols-pizarro-v-home-depot-amicus-brief-borzi-and-gomez-dont-live-here-ebsa-anymore/</loc><lastmod>2025-12-15T03:11:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2025/11/30/dols-betrayal-of-american-workers-sends-a-clear-message-to-american-workers-we-really-dont-give-a-damn-about-you/</loc><lastmod>2025-12-01T03:27:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2025/10/26/implications-of-section-783-of-the-restatement-third-of-trusts-and-the-expanding-knew-or-should-have-known-liability-standard-in-the-era-of-ai/</loc><lastmod>2025-10-27T00:50:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2025/10/13/closing-argument-humble-arithmetic-common-sense-and-fiduciary-liability-vs-in-plan-annuities/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2025/10/image-2.png</image:loc><image:title>image</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2025/10/2025-1500-annuity_1-1.jpg</image:loc><image:title>2025 1500 annuity_1</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2025/10/3-annuity_1.jpg</image:loc><image:title>3% Annuity_1</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2025/10/image-1.png</image:loc><image:title>image</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2025/10/image-3.jpeg</image:loc><image:title>image</image:title></image:image><lastmod>2025-10-23T21:17:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2025/10/13/closing-argument-humble-arithmetic-common-sense-and-fiduciary-responsibility-vs-in-plan-annuities/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2025/10/image-1.jpeg</image:loc><image:title>image</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2025/10/image.jpeg</image:loc><image:title>image</image:title></image:image><lastmod>2025-10-13T19:10:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2025/09/29/dol-advisory-opinion-2025-04a-dont-be-stupid/</loc><lastmod>2025-09-29T20:47:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2025/09/15/erisa-404a-vs-naic-rule-275-wake-up-call-or-ticking-fiduciary-litigation-liability-time-bomb-for-plan-sponsors/</loc><lastmod>2025-09-16T12:28:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2025/08/11/3-things-prudent-plan-sponsors-must-understand-about-presidents-trumps-executive-order-and-fiduciary-risk-management/</loc><lastmod>2025-08-12T01:43:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2025/08/04/and-their-beaneficiaries-annuities-commensurate-returns-and-fiduciary-liability/</loc><lastmod>2025-08-06T00:05:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2025/08/04/and-their-beneficiaries-annuities-commensurate-return-and-fiduciary-liability/</loc><lastmod>2025-08-04T19:50:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2025/07/20/may-it-please-the-court-palsgraf-annuities-commensurate-return-and-the-future-of-fiduciary-litigation/</loc><lastmod>2025-07-21T19:45:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2023/04/03/1q-2023-amvr-cheat-sheets-how-much-active-management-do-actively-managed-funds-really-provide/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/04/1q-2023-10y-amvr-cheat-sheet.jpg</image:loc><image:title>1q-2023-10y-amvr-cheat-sheet</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/04/1q-2023-5y-amvr-cheat-sheet.jpg</image:loc><image:title>1q-2023-5y-amvr-cheat-sheet</image:title></image:image><lastmod>2025-06-22T02:33:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2023/10/02/3q-2023-amvr-cheat-sheets-fiduciary-law-benchmarks-that-really-matter/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/10/prudence-v.-cost-efficiency-graph-dk-blu-slide.jpg</image:loc><image:title>prudence-v.-cost-efficiency-graph-dk-blu-slide</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/10/3q-2023-10y-amvr-cheat-sheet-1.jpg</image:loc><image:title>3q-2023-10y-amvr-cheat-sheet-1</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/10/3q-2023-5y-amvr-cheat-sheet-1.jpg</image:loc><image:title>3q-2023-5y-amvr-cheat-sheet-1</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/10/3q-2023-10y-amvr-cheat-sheet.jpg</image:loc><image:title>3q-2023-10y-amvr-cheat-sheet</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/10/3q-2023-5y-amvr-cheat-sheet.jpg</image:loc><image:title>3q-2023-5y-amvr-cheat-sheet</image:title></image:image><lastmod>2025-06-22T00:55:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2025/05/18/pizarro-v-home-depot-and-the-future-of-erisa-litigation/</loc><lastmod>2025-05-18T13:20:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2025/04/27/fiduciary-risk-management-101-mutual-funds/</loc><lastmod>2025-04-28T13:25:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2023/07/17/3-key-questions-for-plan-sponsors-on-annuities-guaranteed-income-and-fiduciary-liability-under-erisa/</loc><lastmod>2025-04-09T13:49:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2024/09/30/in-plan-annuities-and-fiduciary-risk-management-guaranteed-income-vs-commensurate-return/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/09/investsense-risk-mgt-model-2.jpg</image:loc><image:title>InvestSense Risk Mgt Model</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/09/investsense-risk-mgt-model-1.jpg</image:loc><image:title>InvestSense Risk Mgt Model</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/09/investsense-risk-mgt-model.jpg</image:loc><image:title>InvestSense Risk Mgt Model</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/09/50k-406_1.jpg</image:loc><image:title>50k @6%_1</image:title></image:image><lastmod>2025-04-08T19:17:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2025/03/31/plan-sponsor-and-ria-alert-navigating-the-783-fiduciary-liability-gotcha/</loc><lastmod>2025-04-07T21:20:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2025/03/18/with-new-labor-secretary-time-to-update-the-retirement-security-rule-litigation-opportunity-provided-by-two-federal-judges/</loc><lastmod>2025-03-24T10:30:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2024/12/08/annuities-are-the-antithesis-of-fiduciary-prudence/</loc><lastmod>2025-02-12T00:23:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2025/01/26/a-question-of-asymmetry-and-fundamental-fairness-observations-and-comments-from-the-oral-arguments-in-cunningham-v-cornell-university/</loc><lastmod>2025-01-27T22:49:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2024/12/25/2025-fiduciary-litigation-common-law-common-sense/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/12/investsense-micro-6.jpg</image:loc><image:title>InvestSense Micro</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/12/investsense-micro-5.jpg</image:loc><image:title>InvestSense Micro</image:title></image:image><lastmod>2024-12-31T00:59:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2022/02/25/the-fiduciary-responsibility-trinity-fiduciary-law-after-the-hughes-northwestern-decision/</loc><lastmod>2024-12-11T14:07:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2022/03/17/the-fiduciary-prudence-trinity-a-blueprint-for-evaluating-the-prudence-of-fiduciary-investments/</loc><lastmod>2024-12-11T13:55:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2024/11/28/fudamental-unfairness-sixth-circuit-decision-addresses-the-premature-dismissal-of-erisa-actions/</loc><lastmod>2024-11-29T21:12:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2024/11/13/sell-the-sizzle-not-the-steakannuities-commensurate-return-and-the-fiduciary-duty-to-disclose/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/11/2024-50k406-cropped-_3.jpg</image:loc><image:title>2024 50k@6% cropped _3</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/11/2024-cropped-50k406-_4.jpg</image:loc><image:title>2024 cropped 50k@6% _4</image:title></image:image><lastmod>2024-11-14T12:37:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2024/03/31/thinking-in-bets-using-behavioral-psychology-to-improve-fiduciary-prudence/</loc><lastmod>2024-11-09T00:43:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2024/09/25/chief-judge-of-the-5th-circuit-calls-out-his-brethren-on-decision-to-stay-the-dols-retirement-security-rule/</loc><lastmod>2024-09-25T18:27:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2024/09/02/deja-vu-all-over-again-is-the-annuity-industry-serving-a-second-round-of-annuity-misrepresentations-kool-aid/</loc><lastmod>2024-09-20T00:57:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2024/08/12/erisa-at-the-crossroads-an-analysis-of-the-11th-circuits-home-depot-decision/</loc><lastmod>2024-08-12T22:32:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2024/08/04/initial-thoughts-on-11th-circuits-decision-in-pizarro-v-home-depot/</loc><lastmod>2024-08-04T23:01:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2024/08/02/testimony-of-james-w-watkins-iii-j-d-cfp-board-emeritus-awma-before-the-dol-july-10-2024/</loc><lastmod>2024-08-02T16:03:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2024/07/28/fiduciary-prudence-dont-make-the-process-harder-than-it-is/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/07/3-column-retirement.jpg</image:loc><image:title>3-column retirement</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/07/agthx-retirement-3-column-2.jpg</image:loc><image:title>AGTHX Retirement 3 column</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/07/2022-40q-fcnkx-fspgx.jpg</image:loc><image:title>2022 @Q  FCNKX FSPGX</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/07/agthx-retirement-3-column-1.jpg</image:loc><image:title>AGTHX Retirement 3 column</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/07/100000k405_3.jpg</image:loc><image:title>$100,000k@5%_3</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/07/100000k405_1.jpg</image:loc><image:title>$100,000k@5%_1</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/07/hypo-100k.jpg</image:loc><image:title>hypo 100k</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/07/100k405_3.jpg</image:loc><image:title>100k@5%_3</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/07/100k405_1.jpg</image:loc><image:title>100k@5%_1</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/07/100k405_2-1.jpg</image:loc><image:title>100k@5%_2</image:title></image:image><lastmod>2024-07-29T18:31:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2024/07/21/a-fiduciarys-guide-to-annuities-why-go-there/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/07/100k405_2.jpg</image:loc><image:title>100k@5%_2</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/07/annuity-breakeven-analysis-40-5.jpg</image:loc><image:title>annuity breakeven analysis @ 5%</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/07/5-annuity-breakeven_3.jpg</image:loc><image:title>5% annuity breakeven_3</image:title></image:image><lastmod>2024-07-22T00:37:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2024/05/28/bugielski-v-att-services-inc-another-key-case-toward-defining-the-future-of-401k-403b-litigation/</loc><lastmod>2024-05-28T23:17:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2024/05/19/fiduciary-risk-management-101-beware-the-retirement-crisis-okey-doke/</loc><lastmod>2024-05-20T00:22:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2024/05/15/fiduciary-investsense-connecting-the-regulatory-dots/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/05/image-2.png</image:loc><image:title>image-2</image:title></image:image><lastmod>2024-05-15T23:33:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2024/05/07/avoiding-the-annuity-noise-a-fiduciary-prudence-guide-to-annuities/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/05/image-1.png</image:loc><image:title>image-1</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/05/image.png</image:loc><image:title>image</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/05/einstein-simple-quotation.jpg</image:loc><image:title>einstein-simple-quotation</image:title></image:image><lastmod>2024-05-08T12:35:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2024/04/23/the-devil-is-in-the-details-monitoring-and-updating-an-amvr-analysis/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/04/image-1.png</image:loc><image:title>image-1</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/04/image.png</image:loc><image:title>image</image:title></image:image><lastmod>2024-04-23T23:27:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2024/04/10/an-accident-waiting-to-happen-annuities-spreads-and-fiduciary-liability/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/04/20-annuity-spread-2024.jpg</image:loc><image:title>20-annuity-spread-2024</image:title></image:image><lastmod>2024-04-10T15:27:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2024/03/18/trust-but-verify-protecting-against-investment-consultants-inherent-conflicts-of-interest/</loc><lastmod>2024-03-20T02:07:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2021/09/01/costs-correlations-and-prudent-fiduciary-investing/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/02/2021-generic-fcnkx.jpg</image:loc><image:title>2021-generic-fcnkx</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2021/09/2020-retail-amvr-slide.jpg</image:loc><image:title>2020 Retail AMVR Slide</image:title></image:image><lastmod>2024-02-28T21:13:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2024/02/18/plan-sponsor-alert-complexity-conflicts-of-interests-and-fiduciary-risk-management/</loc><lastmod>2024-02-19T13:20:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2024/02/11/the-fiduciary-prudent-ratio-quantifying-fiduciary-prudence-and-the-quality-of-investment-advice/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/02/image-1.png</image:loc><image:title>image-1</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/02/gavel-blog.webp</image:loc><image:title>Gavel-blog</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2024/02/image.png</image:loc><image:title>image</image:title></image:image><lastmod>2024-02-12T11:48:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2023/10/29/knew-or-should-have-known-annuities-plan-sponsors-and-fiduciary-law-part-1/</loc><lastmod>2024-01-23T21:05:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2024/01/08/no-bonus-points-for-complexity-simplifying-fiduciary-risk-management/</loc><lastmod>2024-01-23T20:58:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2023/12/31/a-curious-paradox-meaningful-benchmarks-fiduciary-prudence-and-the-active-management-value-ratio/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/12/2024-new-generic-fcnkx-1.jpg</image:loc><image:title>2024-new-generic-fcnkx-1</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/12/2024-new-generic-fcnkx.jpg</image:loc><image:title>2024-new-generic-fcnkx</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/12/2024-fcnkx-generic-retirement-2.jpg</image:loc><image:title>2024-fcnkx-generic-retirement-2</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/12/2024-fcnkx-generic-retirement-1.jpg</image:loc><image:title>2024-fcnkx-generic-retirement-1</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/12/2024-fcnkx-generic-retirement.jpg</image:loc><image:title>2024-fcnkx-generic-retirement</image:title></image:image><lastmod>2023-12-31T22:02:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2023/12/04/the-investsense-challenge-for-plan-sponsors-key-fiduciary-liability-risk-management-questions/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/12/hypo-100k-1.jpg</image:loc><image:title>hypo-100k-1</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/12/hypo-100k.jpg</image:loc><image:title>hypo-100k</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/12/annuity-breakeven-analysis-40-5.jpg</image:loc><image:title>annuity-breakeven-analysis-40-5</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/12/2023-fcnkx-fspgx-investsense-challenge-question-results-1.jpg</image:loc><image:title>2023-fcnkx-fspgx-investsense-challenge-question-results-1</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/12/2023-fcnkx-fspgx-investsense-challenge-question-1.jpg</image:loc><image:title>2023-fcnkx-fspgx-investsense-challenge-question-1</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/12/2023-fcnkx-vigax-investsense-challenge-question-results-1.jpg</image:loc><image:title>2023-fcnkx-vigax-investsense-challenge-question-results-1</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/12/2023-fcnkx-fspgx-investsense-challenge-question-results.jpg</image:loc><image:title>2023-fcnkx-fspgx-investsense-challenge-question-results</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/12/2q-2023-fcnkx-vigax-investsense-the-challenge-1.jpg</image:loc><image:title>2q-2023-fcnkx-vigax-investsense-the-challenge-1</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/12/2023-fcnkx-fspgx-investsense-challenge-question.jpg</image:loc><image:title>2023-fcnkx-fspgx-investsense-challenge-question</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/12/2q-2023-fcnkx-vigax-investsense-the-challenge.jpg</image:loc><image:title>2q-2023-fcnkx-vigax-investsense-the-challenge</image:title></image:image><lastmod>2023-12-05T02:50:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2023/10/31/knew-or-should-have-known-annuities-plan-sponsors-and-fiduciary-law-part-2/</loc><lastmod>2023-10-31T15:22:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2022/06/04/caveat-fiduciarius-the-reg-bi-reasonably-available-alternatives-erisa-fiduciary-prudence-liability-trap/</loc><lastmod>2023-10-26T00:51:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2023/09/27/making-erisa-meaningful-common-sense-humble-arithmetic-scotus-and-the-matney-case/</loc><lastmod>2023-09-27T18:08:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2023/08/21/could-the-matney-and-home-depot-decisions-signal-the-end-of-the-401k-403b-litigation-snafu-are-plan-sponsors-really-ready/</loc><lastmod>2023-09-16T20:41:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2023/09/03/why-smart-fiduciaries-avoid-annuities-humble-arithmetic-annuities-and-fiduciary-liability/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/09/cropped-2023-annuity-pv-chart_4.jpg</image:loc><image:title>cropped-2023-annuity-pv-chart_4</image:title></image:image><lastmod>2023-09-04T12:51:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2016/08/12/tipping-off-potential-erisa-fiduciary-violations-part-2/</loc><lastmod>2023-08-01T00:40:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2016/08/11/tipping-off-potential-erisa-fiduciary-violations/</loc><lastmod>2023-07-31T01:52:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2023/07/02/2q-2023-cheat-sheets-plan-sponsors-idk-fofo-strategy-and-the-future-of-fiduciary-liability-and-litigation/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/07/2q-2023-10y-amvr-cheat-sheet-2.jpg</image:loc><image:title>2q-2023-10y-amvr-cheat-sheet-2</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/07/2q-2023-5y-amvr-cheat-sheet-1.jpg</image:loc><image:title>2q-2023-5y-amvr-cheat-sheet-1</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/07/2q-2023-10y-amvr-cheat-sheet-1.jpg</image:loc><image:title>2q-2023-10y-amvr-cheat-sheet-1</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/07/2q-2023-10y-amvr-cheat-sheet.jpg</image:loc><image:title>2q-2023-10y-amvr-cheat-sheet</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/07/2q-2023-5y-amvr-cheat-sheet.jpg</image:loc><image:title>2q-2023-5y-amvr-cheat-sheet</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/06/1q-2023-fcnkx-10y-presentation.jpg</image:loc><image:title>1q-2023-fcnkx-10y-presentation</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/06/1q-2023-fcnkx-5y-presentation.jpg</image:loc><image:title>1q-2023-fcnkx-5y-presentation</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/06/1q-2023-fcnkx-vigax-10-yr-amvr-1.jpg</image:loc><image:title>1q-2023-fcnkx-vigax-10-yr-amvr-1</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/06/1q-2023-fcnkx-vigax-5-yr-amvr-1.jpg</image:loc><image:title>1q-2023-fcnkx-vigax-5-yr-amvr-1</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/06/1q-2023-fcnkx-vigax-10-yr-amvr.jpg</image:loc><image:title>1q-2023-fcnkx-vigax-10-yr-amvr</image:title></image:image><lastmod>2023-07-02T15:28:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2023/06/18/is-the-exxon-model-the-future-of-erisa-fiduciary-prudence/</loc><lastmod>2023-06-19T14:17:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2023/06/04/interpreting-the-dols-amicus-brief-and-its-potential-impact-on-the-future-of-401k-litigation/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/06/1q-2023-fcnkx-vigax-amvr-slide-1.jpg</image:loc><image:title>1q-2023-fcnkx-vigax-amvr-slide-1</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/06/dk-blue-fiduciary-prudence-circle-2022.jpg</image:loc><image:title>Dk Blue Fiduciary Prudence Circle 2022</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/06/prudence-v.-cost-efficiency-graph-dk-blu-slide.jpg</image:loc><image:title>Prudence v. Cost Efficiency graph dk blu Slide</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/06/1q-2023-fcnkx-fspgx-vigax-amvr-fsp-presentation.jpg</image:loc><image:title>1Q 2023 FCNKX FSPGX VIGAX AMVR FSP Presentation</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/06/1q-2023-fcnkx-vigax-amvr-slide.jpg</image:loc><image:title>1Q 2023 FCNKX VIGAX AMVR slide</image:title></image:image><lastmod>2023-06-05T00:04:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2023/05/16/fiduciary-investsense-annuities-plan-sponsors-and-fiduciary-law/</loc><lastmod>2023-05-16T10:52:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2023/04/23/the-active-expense-ratio-fiduciary-risk-managements-little-secret/</loc><lastmod>2023-04-24T11:49:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2023/04/17/common-sense-and-fundamental-fairness-the-matney-case-and-the-future-of-401k-403b-litigation/</loc><lastmod>2023-04-17T19:21:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2022/06/30/meaningful-choices-cost-efficiency-the-commonspirit-health-decision-and-the-future-of-401k-litigation/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2022/06/image-1.png</image:loc><image:title>image-1</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2022/06/image.png</image:loc><image:title>image</image:title></image:image><lastmod>2023-04-02T01:18:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2023/03/26/at-the-pleading-stage-an-analysis-of-the-seventh-circuits-reconsideration-of-hughes-v-northwestern-university/</loc><lastmod>2023-03-28T12:10:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2023/03/15/humble-arithmetic-and-the-future-of-401k-litigation/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/03/4q-2022-rrbgx-amvr.jpg</image:loc><image:title>4Q 2022 RRBGX AMVR</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/03/4q-2022-fcnkx-vigax-10y-amvr.jpg</image:loc><image:title>4Q 2022 FCNKX VIGAX 10Y AMVR</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/03/4q-2022-fcnkx-5y.jpg</image:loc><image:title>4Q 2022 FCNKX 5Y</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/03/malkiel-performance-predictors.jpg</image:loc><image:title>Malkiel Performance Predictors</image:title></image:image><lastmod>2023-03-15T18:22:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/about/</loc><lastmod>2023-03-09T12:50:31+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://fiduciaryinvestsense.com/2023/03/06/401k-investsense-focus-on-fiduciary-process-over-product/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/03/2023-generic-retirement-1.jpg</image:loc><image:title>2023-generic-retirement-1</image:title></image:image><lastmod>2023-03-06T14:23:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2023/01/22/brotherston-revisited-will-the-10th-circuit-court-of-appeals-fix-the-ongoing-401k-snafu/</loc><lastmod>2023-01-22T23:26:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2023/01/02/4q-2022-amvr-cheat-sheets-correlation-of-returns-closet-indexing-and-fiduciary-liability/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/01/4q-2022-fcnkx-vigax-amvr.jpg</image:loc><image:title>4q-2022-fcnkx-vigax-amvr</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/01/4q-2022-10y-amvr-cheat-sheet.jpg</image:loc><image:title>4Q 2022 10Y AMVR cheat sheet</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2023/01/4q-2022-5y-10y-amvr-cheat-sheet.jpg</image:loc><image:title>4Q 2022 5Y 10Y AMVR cheat sheet</image:title></image:image><lastmod>2023-01-02T14:25:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2022/12/11/401k-litigation-trends-to-watch-in-2023/</loc><lastmod>2022-12-30T00:14:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2022/12/07/annuities-secure-2-0-and-fiduciary-law/</loc><lastmod>2022-12-07T13:21:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2022/05/09/at-what-cost-annuities-cryptocurrency-and-fiduciary-law/</loc><lastmod>2022-11-13T01:01:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2022/10/30/what-if-they-are-wrong-how-court-decisions-impact-401k-and-403b-plan-sponsors-fiduciary-risk-management-decisions/</loc><lastmod>2022-10-30T23:32:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2022/10/18/who-will-tell-the-plan-sponsors-the-truth-about-the-looming-fiduciary-liability-trap-in-401k-and-403b-litigation/</loc><lastmod>2022-10-19T00:13:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2022/08/07/brotherston-v-commonspirit-health-an-opportunity-and-a-need-to-shift-the-401k-litigation-paradigm/</loc><lastmod>2022-10-18T23:49:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2022/10/16/target-date-funds-have-now-become-the-targets-of-401k-litigation-part-2/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2022/10/2022-fiduciary-counsel-marketing-slide.jpg</image:loc><image:title>2022-fiduciary-counsel-marketing-slide</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2022/10/slide2.jpg</image:loc><image:title>slide2</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2022/10/slide1.jpg</image:loc><image:title>slide1</image:title></image:image><lastmod>2022-10-17T00:10:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2022/10/10/target-date-funds-are-now-the-targets/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2022/10/3q-2022-10-year-freedom-plausibility-slide-1.jpg</image:loc><image:title>3q-2022-10-year-freedom-plausibility-slide-1</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2022/10/3q-2022-10-year-freedom-amvr-slide.jpg</image:loc><image:title>3q-2022-10-year-freedom-amvr-slide</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2022/10/3q-2022-5-year-freedom-amvr-slide.jpg</image:loc><image:title>3q-2022-5-year-freedom-amvr-slide</image:title></image:image><lastmod>2022-10-10T12:42:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2022/10/02/3q-2022-amvr-cheat-sheets-what-mutual-funds-and-plan-advisers-hope-plan-sponsors-and-plan-participants-never-realize/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2022/10/3q-2022-10y-amvr-cheat-sheet.jpg</image:loc><image:title>3q-2022-10y-amvr-cheat-sheet</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2022/10/3q-2022-5y-amvr-cheat-sheet.jpg</image:loc><image:title>3q-2022-5y-amvr-cheat-sheet</image:title></image:image><lastmod>2022-10-03T15:48:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2022/09/26/scotus-we-still-have-a-serious-problem-the-continuing-inconsistency-in-judicial-interpretations-of-erisa/</loc><lastmod>2022-09-26T11:12:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2022/08/28/fiduciary-risk-management-and-liability-driven-401k-plans/</loc><lastmod>2022-08-29T01:40:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2022/07/24/the-conversation-every-401k-and-403b-plan-needs-to-have-the-plan-sponsor-liability-circle/</loc><lastmod>2022-07-25T18:29:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2022/07/17/an-inconvenient-truth-cost-inefficiency-and-closet-indexing-in-401k-plans/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2022/07/prudence-v.-cost-efficiency-blue-slide.jpg</image:loc><image:title>prudence-v.-cost-efficiency-blue-slide</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2022/07/2q-2022-fcnkx-fspgx-amvr.jpg</image:loc><image:title>2q-2022-fcnkx-fspgx-amvr</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2022/07/fidelity-freedom-cheat-sheet.jpg</image:loc><image:title>fidelity-freedom-cheat-sheet</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2022/07/2022-fidelity-freedom-funds-amvr-analysis-1.jpg</image:loc><image:title>2022-fidelity-freedom-funds-amvr-analysis-1</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2022/07/2q-2022-rgagx-vigax-amvr.jpg</image:loc><image:title>2q-2022-rgagx-vigax-amvr</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2022/07/2q-2022-fcnkx-vigax-amvr.jpg</image:loc><image:title>2q-2022-fcnkx-vigax-amvr</image:title></image:image><lastmod>2022-07-18T11:44:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2022/07/07/the-commonspirit-health-decision-fiduciary-risk-management-lessons-for-plan-sponsors/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2022/07/2022-fidelity-freedom-funds-amvr-analysis.jpg</image:loc><image:title>2022-fidelity-freedom-funds-amvr-analysis</image:title></image:image><lastmod>2022-07-07T16:35:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2022/07/01/2q-2022-amvr-cheat-sheets/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2022/07/image-1.png</image:loc><image:title>image-1</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2022/07/image.png</image:loc><image:title>image</image:title></image:image><lastmod>2022-07-02T00:41:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2022/03/19/connecting-the-dots-correlation-of-returns-and-fiduciary-prudence/</loc><lastmod>2022-06-27T22:01:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2022/05/30/the-lie-of-the-pie-mutual-fund-marketing-trickeration/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2022/05/image.png</image:loc><image:title>image</image:title></image:image><lastmod>2022-05-30T15:17:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2022/05/15/redefining-fiduciary-prudence-for-401k-plan-sponsors/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2022/05/2022-generic-retirement-slide.jpg</image:loc><image:title>2022-generic-retirement-slide</image:title></image:image><lastmod>2022-05-16T11:56:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2022/04/24/heuristics-cognitive-biases-and-401k-403b-fiduciary-decision-making/</loc><lastmod>2022-04-24T15:25:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2022/04/11/commonsense-401k-prudence-and-risk-management/</loc><lastmod>2022-04-11T14:23:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2010/11/18/a-pure-heart-and-an-empty-head-is-no-defense/</loc><lastmod>2022-04-06T13:28:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2022/04/01/1q-2022-amvr-cheat-sheets/</loc><lastmod>2022-04-03T15:34:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2022/03/30/less-is-more-plan-sponsors-and-the-art-of-thinking-like-a-fiduciary/</loc><lastmod>2022-03-31T00:32:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2022/01/29/the-northwestern403b-decision-what-next-for-plan-sponsors/</loc><lastmod>2022-01-29T17:04:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2022/01/03/4q-2021-amvr-cheat-sheet/</loc><lastmod>2022-01-03T21:08:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2021/12/18/plan-sponsor-alert-the-hidden-message-in-the-northwestern403b-hearing/</loc><lastmod>2021-12-19T18:54:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2021/11/26/the-really-smart-experts-measure-amvr-blueprint-for-401k-403b-litigation-and-design/</loc><lastmod>2021-11-26T14:42:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2021/11/15/rethinking-costs-in-401k-litigation/</loc><lastmod>2021-11-15T16:01:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2017/07/01/duty-of-cost-consciousness-the-fiduciary-gotcha-you-think-you-understand-but-you-probably-dont/</loc><lastmod>2021-11-10T22:42:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2017/08/06/the-often-overlooked-fiduciary-gotcha-the-fiduciary-duty-and-challenge-of-cost-consciousness/</loc><lastmod>2021-11-10T15:20:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2021/10/31/3q-2021-top-ten-401k-amvr-cheat-sheet/</loc><lastmod>2021-10-31T19:38:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2021/10/30/game-changer-why-hughes-v-northwestern-university-matters/</loc><lastmod>2021-10-30T15:45:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2021/08/25/hughes-v-northwestern-university-and-the-future-of-401k-plans/</loc><lastmod>2021-10-29T13:42:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2021/10/21/non-commission-annuities-the-new-fiduciary-annuity-trap/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2021/10/lipstick-on-pig.jpg</image:loc><image:title>lipstick on pig</image:title></image:image><lastmod>2021-10-21T18:34:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2021/10/12/modern-portfolio-theory-the-prudent-investor-rule-and-fiduciary-investing/</loc><lastmod>2021-10-12T11:51:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2021/09/28/back-to-the-future-investment-fiduciary-style/</loc><lastmod>2021-09-28T18:51:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2021/09/13/15-quintessential-investment-quotes-for-plan-sponsors-and-investment-fiduciaries/</loc><lastmod>2021-09-13T12:11:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2021/08/05/the-active-management-value-ratio-quantifying-the-new-fiduciary-prudence/</loc><lastmod>2021-08-05T14:45:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2021/07/23/new-charley-ellis-interview/</loc><lastmod>2021-07-23T12:11:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2021/07/21/the-active-management-value-ratio-4-0-what-investors-and-investment-fiduciaries-really-need-to-know-about-wealth-accumulation-and-preservation/</loc><lastmod>2021-07-21T20:35:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2021/07/07/2q-2021-active-management-value-ratio-cheat-sheet-every-picture-tells-a-story/</loc><lastmod>2021-07-07T14:51:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2021/06/25/commonsense-investsense-erisa-401k-403b-litigation/</loc><lastmod>2021-06-25T21:11:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2021/06/13/cost-efficiency-and-correlation-of-returns-the-often-overlooked-factors-in-fiduciary-investing/</loc><lastmod>2021-06-13T20:31:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2021/06/10/hughes-v-northwestern-university-and-scotus-a-pivotal-point-for-plan-sponsors-and-plan-advisers/</loc><lastmod>2021-06-10T18:19:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2021/04/05/1q-2021-amvr-cost-efficiency-cheat-sheet/</loc><lastmod>2021-04-05T15:34:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2021/03/31/the-relentless-rules-of-humble-arithmetic-401k-fiduciary-litigation-at-the-crossroads/</loc><lastmod>2021-03-31T16:09:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2021/02/21/a-picture-is-worth-a-1000-words-cost-efficiency-and-the-future-of-401k-and-fiduciary-litigation/</loc><lastmod>2021-02-21T14:20:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2021/02/08/common-sense-and-cost-efficiency-making-erisa-meaningful-again/</loc><lastmod>2021-02-08T19:00:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2021/01/23/the-active-management-value-ratio3-0-cost-efficiency-and-compliance-with-securities-and-erisa-regulations/</loc><lastmod>2021-01-24T21:11:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2021/01/05/diy-investor-and-fiduciary-protection-strategies-4q-2020-401k-top-ten-amvr-analysis/</loc><lastmod>2021-01-05T17:42:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2020/01/20/petition-denied-fiduciary-investing-after-brotherston/</loc><lastmod>2020-12-11T18:41:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2019/12/07/putnam-investments-llc-v-brotherston-the-end-of-business-as-usual-for-401k-plans/</loc><lastmod>2020-12-11T18:38:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2020/10/19/winds-of-change/</loc><lastmod>2020-10-19T18:13:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2020/10/04/q3-2020-amvr-investsense-quotient-cheat-sheet/</loc><lastmod>2020-10-04T17:46:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2020/08/31/the-careerbuilder-decision-3-lessons/</loc><lastmod>2020-08-31T14:54:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2017/07/17/eyes-wide-shut-why-the-sec-will-and-cannot-adopt-a-fiduciary-standard/</loc><lastmod>2020-07-29T18:18:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2020/05/25/plan-sponsor-special-report-401k-fiduciary-liability-risk-management-in-a-post-brotherston-world/</loc><lastmod>2020-05-25T16:13:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2020/03/12/4q-2019-amvr-cost-efficiency-analysis/</loc><lastmod>2020-03-12T21:51:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2019/12/14/putnam-files-responsive-brief-in-putnam-investments-llc-v-brotherston/</loc><lastmod>2019-12-14T15:58:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2019/11/14/3-cases-every-financial-adviser-investment-adviser-and-plan-sponsor-should-know/</loc><lastmod>2019-11-15T01:43:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2019/10/28/fair-dealing-the-key-to-navigating-the-suitability-best-interest-and-fiduciary-standards/</loc><lastmod>2019-10-28T21:00:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2019/10/05/q3-2019-top-ten-401k-mutual-funds-cheat-sheet/</loc><lastmod>2019-10-06T00:43:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2019/09/24/think-different-the-often-overlooked-key-fiduciary-liability-gotcha-question/</loc><lastmod>2019-09-24T22:51:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2019/09/07/the-future-is-now-scotus-and-putnam-investments-llc-v-brotherston/</loc><lastmod>2019-09-07T18:09:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2019/09/07/investopedia-top-100-most-influential-financial-advisor-honor/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2019/08/investopedia100_full.png</image:loc><image:title>Investopedia100_full</image:title></image:image><lastmod>2019-09-07T17:30:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2018/01/17/the-active-management-value-metric-3-0-investment-returns-and-wealth-preservation-for-fiduciaries-and-plan-fiduciaries/</loc><lastmod>2019-09-07T17:24:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2019/07/06/erisa-litigations-next-big-thing/</loc><lastmod>2019-07-06T18:51:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2019/06/28/the-hidden-message-in-reg-bi/</loc><lastmod>2019-06-28T19:41:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2019/06/06/designing-a-win-win-401k-403b-defined-contribution-plan/</loc><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2019/06/rich-women.png</image:loc><image:title>rich women</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2019/06/nest-egg-money.jpg</image:loc><image:title>Nest Egg Money</image:title></image:image><image:image><image:loc>https://fiduciaryinvestsense.com/wp-content/uploads/2019/06/retirement-account-eggs.jpg</image:loc><image:title>Investing in your retirement</image:title></image:image><lastmod>2019-06-06T19:46:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2019/04/11/erisa-risk-management-and-the-forensic-erisa-attorney/</loc><lastmod>2019-06-06T14:42:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2019/05/07/reg-bi-and-that-other-f-word/</loc><lastmod>2019-06-06T14:30:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2019/05/05/simple-and-sound-advice-from-jack-bogle-again/</loc><lastmod>2019-05-05T12:58:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2019/04/15/the-cost-efficiency-standard-streamlining-the-erisa-401k-403b-litigation-process/</loc><lastmod>2019-05-05T12:54:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2019/03/04/correlation-of-returns-the-erisa-404c-fiduciary-x-factor/</loc><lastmod>2019-04-30T18:36:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2019/04/07/putnam-investments-llc-v-brotherston-pivotal-point-for-401k-403b-industries/</loc><lastmod>2019-04-07T19:54:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2019/03/29/why-401k-403b-actions-are-far-from-over-and-how-to-prevent-them/</loc><lastmod>2019-03-29T19:41:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2019/03/18/the-active-management-value-ratio-faqs/</loc><lastmod>2019-03-19T19:47:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2019/03/08/may-it-please-the-court-the-cost-efficiency-quotient/</loc><lastmod>2019-03-09T13:40:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2019/02/22/the-first-circuits-putnam-decision-where-does-erisa-401k-403b-litigation-go-now/</loc><lastmod>2019-02-23T19:31:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2019/02/05/evaluating-judicial-dismissals-of-401k-403b-fiduciary-breach-actions/</loc><lastmod>2019-02-17T19:28:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2019/01/16/the-georgetown-university-403b-decision-and-the-future-of-403b-fiduciary-litigation/</loc><lastmod>2019-01-16T21:39:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2018/12/04/just-a-thought-is-change-a-coming/</loc><lastmod>2019-01-16T02:48:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2019/01/01/2019-the-battle-of-the-best-interests-part-deux/</loc><lastmod>2019-01-01T17:07:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2018/10/12/why-the-sec-will-never-enact-a-meaningful-fiduciary-standard/</loc><lastmod>2018-10-12T19:50:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2018/09/23/may-it-please-the-court-vanguard-funds-erisa-benchmarks-study/</loc><lastmod>2018-10-10T15:36:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2018/10/06/the-case-for-liability-driven-investing/</loc><lastmod>2018-10-06T19:27:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2018/08/28/fundamental-unfairness-erisa-section-404c-is-not-working/</loc><lastmod>2018-09-05T20:17:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2018/08/19/fundamental-unfairness-defined-contribution-plans-and-the-courts-part-i/</loc><lastmod>2018-09-05T20:14:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2018/09/04/fundamental-unfairness-inequitable-and-inconsistent-interpretations-of-erisa/</loc><lastmod>2018-09-05T19:35:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2018/07/12/the-dangers-of-living-in-the-land-of-ria-make-believe/</loc><lastmod>2018-07-24T15:03:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2018/05/25/judge-judy-and-the-secs-best-interest-proposal/</loc><lastmod>2018-07-17T14:27:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2018/07/09/2q-401k-top-10-defined-contribution-funds-forensic-analysis/</loc><lastmod>2018-07-09T21:04:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2018/06/13/the-active-management-value-ratio-3-0-minimizing-fiduciary-liability-exposure-for-401k-plan-sponsors/</loc><lastmod>2018-06-14T19:56:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2018/05/06/may-it-please-the-court-justice-denied-as-courts-miss-the-forest-for-the-trees-in-erisa-actions/</loc><lastmod>2018-05-20T18:23:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2016/05/28/going-forward-quantifying-best-interest-reasonable-compensation-and-suitability-for-investment-professionals/</loc><lastmod>2018-05-07T19:21:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2018/03/13/avoiding-lipstick-on-a-pig-evidence-based-investing-for-erisa-fiduciaries/</loc><lastmod>2018-03-13T17:08:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2018/01/05/2017-year-end-top-10-dc-funds-amvr-analysis/</loc><lastmod>2018-01-05T15:52:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2017/12/31/fiduciary-litigation-2018-a-pure-heart-and-an-empty-head-are-no-defense/</loc><lastmod>2017-12-31T17:29:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2017/11/16/are-we-at-a-tipping-point-in-erisa-fiduciary-litigation/</loc><lastmod>2017-12-31T15:40:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2017/11/25/there-are-no-mulligans-in-fiduciary-law/</loc><lastmod>2017-12-30T00:30:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2017/10/29/unintended-consequences-financial-advisers-and-potential-liability-issues-under-state-fiduciary-laws/</loc><lastmod>2017-10-29T19:38:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2017/10/10/dont-poke-the-bear-nevada-rains-on-anti-fiduciary-rule-parade/</loc><lastmod>2017-10-10T13:27:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2017/09/22/transparency-is-the-best-sunlight-four-due-diligence-questions-plan-sponsors-and-plan-participants-should-ask/</loc><lastmod>2017-09-22T19:06:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2017/08/29/sleeping-with-the-enemy-dols-betrayal-of-plan-participants-and-retirees/</loc><lastmod>2017-08-29T15:52:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2017/08/24/the-new-mathematics-of-successful-investing/</loc><lastmod>2017-08-25T14:53:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2017/08/11/an-open-letter-to-the-omb-no-further-delays-in-the-dol-rule-and-bice/</loc><lastmod>2017-08-11T16:11:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2017/06/09/quantifying-the-impartial-conduct-standards-under-the-dols-new-fiduciary-rule/</loc><lastmod>2017-08-05T01:24:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2017/07/23/upon-further-review-do-we-already-have-a-universal-fiduciary-standard-redux/</loc><lastmod>2017-07-23T16:00:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2017/07/15/a-better-mousetrap-a-new-format-for-plaintiffs-complaints-in-erisa-fiduciary-breachexcessive-fee-cases/</loc><lastmod>2017-07-16T02:13:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2015/03/31/oil-and-water-fiduciaries-and-variable-annuities/</loc><lastmod>2017-06-26T23:33:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2017/06/18/apples-to-apples-and-other-investment-return-issues/</loc><lastmod>2017-06-18T21:18:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2017/05/27/the-investor-revolution-a-best-interests-checklist-for-investors-and-fiduciaries/</loc><lastmod>2017-06-17T16:07:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2017/05/23/the-courts-the-restatement-of-trusts-and-fiduciary-liability/</loc><lastmod>2017-05-24T01:41:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2017/05/22/guest-column-simple-advice-to-retirement-plan-sponsors/</loc><lastmod>2017-05-22T19:30:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2017/05/10/controlling-the-controllable-factoring-investment-costs-into-the-prudencesuitability-equation/</loc><lastmod>2017-05-11T21:40:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2016/09/13/a-fiduciary-blueprint-the-restatement-of-trusts-the-prudent-investor-rule-and-the-dols-new-fiduciary-rule/</loc><lastmod>2017-04-18T20:24:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2017/04/02/ria-liability-for-use-of-third-party-advertising/</loc><lastmod>2017-04-02T19:35:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2017/03/08/emerging-asset-allocation-trap/</loc><lastmod>2017-03-08T16:09:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2017/02/27/special-needs-trusts-and-your-value-added-proposition/</loc><lastmod>2017-02-27T16:25:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2017/01/08/the-gotcha-that-wont-go-away/</loc><lastmod>2017-01-08T21:01:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2016/12/31/2017-brave-new-world/</loc><lastmod>2016-12-31T13:20:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2016/12/03/the-fiduciary-standard-is-dead-long-live-the-fiduciary-standard/</loc><lastmod>2016-12-03T11:33:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2016/11/19/risk-management-and-liability-housekeeping-for-rias/</loc><lastmod>2016-11-19T12:45:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2016/10/23/make-a-little-magic-developing-trust-relationships-with-clients/</loc><lastmod>2016-10-23T20:38:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2016/09/21/the-401k404c-plan-sponsors-achilles-heels-redux/</loc><lastmod>2016-09-21T15:24:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2016/03/28/the-401k404c-plan-sponsors-achilles-heels/</loc><lastmod>2016-09-21T15:20:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2016/09/20/point-to-ponder-a-reverse-bice-cause-of-action/</loc><lastmod>2016-09-20T19:58:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2016/08/19/what-mr-schlichter-understands-and-plan-sponsors-and-investment-fiduciaries-need-to-understand-as-well/</loc><lastmod>2016-08-21T14:30:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2016/08/05/erisa-and-modern-portfolio-theory-prudence-per-footnote-8/</loc><lastmod>2016-08-07T20:37:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2016/07/27/401k-alert-protecting-plan-sponsors-and-plan-participants-under-the-bice-exemption/</loc><lastmod>2016-08-05T19:30:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2016/07/20/the-two-minute-fiduciary-liability-risk-management-challenge/</loc><lastmod>2016-07-20T20:46:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2016/07/13/the-liability-needle-in-the-ria-haystack/</loc><lastmod>2016-07-13T21:23:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2016/07/06/james-w-watkins-iii-quoted-in-401k-best-practices-article/</loc><lastmod>2016-07-06T17:00:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2016/07/05/the-end-of-human-investment-advisors-exaggeration/</loc><lastmod>2016-07-05T17:34:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2016/06/24/a-little-more-knowledge-on-reducing-plan-sponsor-liability/</loc><lastmod>2016-06-24T16:43:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2016/06/07/to-bice-or-not-to-bice-that-is-the-question/</loc><lastmod>2016-06-07T18:10:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2016/05/17/best-interest-bice-and-class-action-targets/</loc><lastmod>2016-05-18T19:32:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2016/05/18/best-interest-bice-and-class-action-targets-part-ii/</loc><lastmod>2016-05-18T16:10:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2016/05/14/best-interest-bice-and-liability-exposure-for-plan-sponsors/</loc><lastmod>2016-05-14T18:26:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2016/04/19/making-bice-meaningful-reality-vs-illusion/</loc><lastmod>2016-04-19T14:12:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2016/04/11/and-now-the-fiduciary-radar-shifts-to/</loc><lastmod>2016-04-11T19:16:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2016/03/14/what-the-new-dol-fiduciary-standard-will-and-will-not-do/</loc><lastmod>2016-03-14T22:17:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2016/03/08/the-prudent-investment-adviser-rule-risk-and-liability-management-for-investment-fiduciaries/</loc><lastmod>2016-03-08T19:27:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2016/03/08/outsourcing-panacea-or-placebo/</loc><lastmod>2016-03-08T19:11:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2016/03/04/2016-so-far-and-the-levy-decision/</loc><lastmod>2016-03-04T19:37:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2016/01/18/401k-mutual-funds-fail-fiduciary-prudence-test/</loc><lastmod>2016-01-18T21:04:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2016/01/11/some-common-ria-mistakes-that-regulators-are-focusing-on-in-2016/</loc><lastmod>2016-01-11T20:25:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2015/12/30/combining-the-active-management-value-ratio-2-0-and-the-active-expense-ratio-a-more-meaningful-evaluation-of-fiduciary-prudence/</loc><lastmod>2015-12-30T20:19:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2015/11/16/cross-examining-financial-plannings-active-vs-passive-study/</loc><lastmod>2015-11-19T20:25:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2015/11/19/erisa-fiduciary-duty-and-the-art-of-skinnydipping/</loc><lastmod>2015-11-19T19:32:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2015/11/02/protecting-your-practice-with-the-active-management-value-ratio-2-0/</loc><lastmod>2015-11-04T22:11:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2015/10/18/avoiding-erisas-1-fiduciary-liability-gotcha/</loc><lastmod>2015-10-19T16:43:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2015/10/04/investment-industry-has-some-splaining-to-do/</loc><lastmod>2015-10-04T19:49:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2015/09/14/robo-advisers-best-deck-chairs-on-the-titanic/</loc><lastmod>2015-09-14T19:07:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2015/07/05/does-your-ria-really-exist/</loc><lastmod>2015-07-05T20:49:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2015/05/26/best-interests-for-fiduciaries-101/</loc><lastmod>2015-05-26T19:41:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2015/03/10/a-closer-look-at-the-top-401k-mutual-funds/</loc><lastmod>2015-03-10T23:26:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2015/02/11/done-deal-the-sec-nasd-and-finra-on-the-fiduciary-standard/</loc><lastmod>2015-02-11T19:37:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2015/01/29/robo-advisors-much-ado-about-nothing/</loc><lastmod>2015-01-29T19:56:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2015/01/05/the-fiduciary-standard-its-best-interests-not-like-everyone-else/</loc><lastmod>2015-01-05T20:53:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2014/12/18/whoomp-there-it-is-the-new-prudent-fee-standard/</loc><lastmod>2014-12-18T18:45:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2014/10/23/citigroup-decisions-warning-for-401k-fiduciaries/</loc><lastmod>2014-10-23T18:35:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2014/09/30/three-investment-adviser-fiduciary-traps-to-avoid/</loc><lastmod>2014-09-30T20:34:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2014/08/25/financial-plans-v-investment-policy-statements-one-none-or-both/</loc><lastmod>2014-08-26T15:02:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2014/07/22/death-divorce-and-larue-401k-breach-of-fiduciary-duty-claims-as-assets-in-divorce-and-probate-cases/</loc><lastmod>2014-07-23T16:06:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2014/07/09/the-art-of-fiduciary-investing-controlling-the-controllable/</loc><lastmod>2014-07-09T18:47:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2014/06/01/full-disclosure-selective-amnesia-at-the-sec/</loc><lastmod>2014-06-01T20:37:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2014/05/22/incredible-marketing-opportunity-for-rias/</loc><lastmod>2014-05-22T19:02:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2014/05/17/social-media-and-the-investment-adviser/</loc><lastmod>2014-05-17T18:03:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2014/04/17/the-investment-advisers-achilles-heel-v-2-0/</loc><lastmod>2014-04-17T18:43:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2011/06/23/the-rias-achilles-heel/</loc><lastmod>2014-04-16T17:14:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2013/05/12/upon-further-review-do-we-already-have-a-universal-fiduciary-standard/</loc><lastmod>2014-04-11T16:23:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2014/03/06/the-key-factor-in-liability-risk-management/</loc><lastmod>2014-03-06T19:32:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2014/02/06/four-faces-of-fiduciary-prudence/</loc><lastmod>2014-02-06T19:39:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2014/02/02/quantum-meruit-and-other-compliance-challenges/</loc><lastmod>2014-02-02T20:01:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2013/12/27/2014-brave-new-fiduciary-world/</loc><lastmod>2013-12-28T17:14:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2013/11/26/hidden-assets-potential-liability-implications-of-the-larue-decision-for-attorneys-and-fiduciaries/</loc><lastmod>2013-11-26T18:01:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2013/11/07/creative-chaos/</loc><lastmod>2013-11-08T18:00:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2013/08/23/market-timing-and-legal-liability-what-really-matters/</loc><lastmod>2013-08-23T19:03:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2013/08/14/beware-the-were-1-trap/</loc><lastmod>2013-08-23T17:08:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2013/06/29/piddle-twiddle-and-resolve/</loc><lastmod>2013-06-30T18:39:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2013/05/29/new-barrons-advisor-list-potential-compliance-and-fiduciary-issues/</loc><lastmod>2013-05-30T01:56:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2013/04/17/how-safe-are-erisa-401k404c-safe-harbors/</loc><lastmod>2013-04-17T20:39:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2013/03/26/the-tibble-decision-3-valuable-lessons-for-plan-sponsors-and-other-plan-fiduciaries/</loc><lastmod>2013-03-26T21:29:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2013/03/11/has-schwab-opened-pandoras-box-for-rias/</loc><lastmod>2013-03-13T20:54:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2013/03/13/has-schwab-opened-pandoras-box-for-rias-part-two/</loc><lastmod>2013-03-13T18:57:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2013/02/26/gifts-and-conflicts-of-interest/</loc><lastmod>2013-02-26T17:49:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2013/02/26/the-401k403b-investment-manual/</loc><lastmod>2013-02-26T17:41:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2013/02/08/your-ria-their-money/</loc><lastmod>2013-02-08T19:46:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2013/01/05/secrets-to-a-successful-401k-plan/</loc><lastmod>2013-01-05T19:32:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2012/11/05/seeing-is-believing-marketing-to-plan-sponsors/</loc><lastmod>2012-11-06T15:54:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2012/09/04/fiduciaries-we-aint-no-stinkin-fiducihelp-for-fiduciaries-and-unsuspecting-fiduciaries/</loc><lastmod>2012-09-05T01:05:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2012/08/06/the-active-management-value-ratio-revealing-the-undisclosed-cost-of-actively-managed-mutual-funds/</loc><lastmod>2012-08-06T15:52:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2012/06/25/228/</loc><lastmod>2012-06-25T15:16:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2012/03/13/integrated-estate-planning-a-win-win-for-both-clients-and-wealth-managers/</loc><lastmod>2012-03-13T18:24:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2012/02/19/five-legal-decisions-every-ria-and-fiduciary-should-know/</loc><lastmod>2012-02-20T18:56:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2011/04/20/investment-advisers-and-outsourcing/</loc><lastmod>2012-02-06T19:15:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2011/06/03/due-diligence-doldrums/</loc><lastmod>2012-02-06T19:15:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2011/07/27/dont-go-there/</loc><lastmod>2012-02-06T19:15:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2011/09/24/investment-advisers-and-the-internet/</loc><lastmod>2012-02-06T19:14:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2011/10/26/3-faqs-on-ria-ks/</loc><lastmod>2012-02-06T19:14:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2011/01/25/the-little-known-fiduciary-gotcha-that-can-actually-improve-your-bottom-line/</loc><lastmod>2012-02-06T19:08:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2010/12/21/the-times-they-are-a-changin/</loc><lastmod>2012-02-06T19:06:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2011/12/18/that-dog-wont-hunt/</loc><lastmod>2012-02-06T19:04:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2012/01/04/new-compliance-and-liability-white-paper/</loc><lastmod>2012-02-06T19:03:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2012/01/24/running-the-investment-compliance-gauntlet/</loc><lastmod>2012-02-06T19:01:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2012/02/06/sec-focuses-on-compliance-and-ccos/</loc><lastmod>2012-02-06T19:01:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2011/09/08/ria-compliance-in-3-d/</loc><lastmod>2011-10-24T20:53:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com/2010/11/11/hello-world/</loc><lastmod>2016-10-11T18:01:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://fiduciaryinvestsense.com</loc><changefreq>daily</changefreq><priority>1.0</priority><lastmod>2026-03-31T23:41:59+00:00</lastmod></url></urlset>
