--- title: What's New? The DALBAR Blog | Louis Harvey description: "Founder and leader of DALBAR, Lou Harvey is relentless in the search for the forces that are shaping the world of financial services today, tomorrow and for years hence. Using DALBAR' s research capabilities, Lou Harvey seeks insights from inside and outside the industry to understand and anticipate changes in customers’ needs and the ways products are distributed. \n\nUnder his leadership, DALBAR is now recognized and respected in the financial services community for its credibility, independence and its contributions in raising the level of excellence in the industry. Fiercely committed to delivering value to customers, Lou Harvey has proved through DALBAR that the business principle of putting the customer first does work.\n\nIn the spring of 2010 Lou Harvey was named President of the Fiduciary Standards Board, an organization dedicated to maintaining fiduciary standards and communicating the inherent value of fiduciary relationships to the public at large.\n\nLou Harvey has held governance positions at a number of institutions including the National Association of Securities Dealers, Federal Reserve Bank, Bentley College and Plymouth Plantation.\n\nLou Harvey was born in Puerto Barrios, Guatemala in 1942. He earned a bachelor’s degree in Physics from the University of the West Indies." image: https://blog.dalbar.com/hubfs/blog-banner_55958613%20(3)%20(1).png --- [![DALBAR-Logo](https://blog.dalbar.com/hs-fs/hubfs/DALBAR%20Logos/DALBAR-Logo_Blue-Gold_High%20Resolution.png?width=300&height=71&name=DALBAR-Logo_Blue-Gold_High%20Resolution.png "DALBAR-Logo")](https://www.dalbar.com/Home/Index) - [PRODUCTS & SERVICES](https://www.dalbar.com/ProductsAndServices/Index) - [Customer Experience Audit](https://www.dalbar.com/ProductsAndServices/CustomerExperienceAudit#) - [Contact Center Solutions](https://www.dalbar.com/ProductsAndServices/ContactCenterSolutions) - [Statement Services](https://www.dalbar.com/ProductsAndServices/StatementServices) - [Digital Solutions](https://www.dalbar.com/ProductsAndServices/DigitalSolutions) - [Advisor Solutions](https://www.dalbar.com/ProductsAndServices/AdviserSolutions) - [Audits & Due Diligence](https://www.dalbar.com/ProductsAndServices/AuditsAndDueDiligence) - [QAIB](https://www.dalbar.com/QAIB/Index) - [STORE](https://www.dalbar.com/Store/Index) - [QAIB Store](https://www.dalbar.com/QAIB/Index) - [All Products Store](https://www.dalbar.com/Store/AllProducts) - [Shopping Cart](https://www.dalbar.com/Store/Cart) - [AWARDS](https://www.dalbar.com/Awards/Index) - [Eligible Winners A-Z](https://www.dalbar.com/Awards/Winners) - [Award History](https://www.dalbar.com/Awards/AwardHistory) - [Website Rankings](https://www.dalbar.com/Awards/WebMonitorRankings) - [Mobile Website Rankings](https://www.dalbar.com/Awards/MobileWebsiteRankings) - [Call Center Rankings](https://www.dalbar.com/Awards/TopCallCenters) - [Investor Statement Rankings](https://www.dalbar.com/Awards/InvestorStatementRankings) - [Service Award Winners](https://www.dalbar.com/Awards/ServiceAwardWinners) - [Certificate of Compliance](https://www.dalbar.com/Awards/CertificateOfCompliance) - [RESOURCES](https://blog.dalbar.com) - [DALBAR BLOG](https://blog.dalbar.com) - [Finance Lab](https://blog.dalbar.com/author/louis-harvey/page/www.financelab.dalbar.com) - [Contact Us](https://www.dalbar.com/Home/ContactUs) # What's New? ... The DALBAR Blog - [Financial Advisor](https://blog.dalbar.com/topic/financial-advisor) - [Fiduciary](https://blog.dalbar.com/topic/fiduciary) - [Investor Behavior](https://blog.dalbar.com/topic/investor-behavior) - [Advisor Value](https://blog.dalbar.com/topic/advisor-value) - [Retirement Planning](https://blog.dalbar.com/topic/retirement-planning) - [ERISA](https://blog.dalbar.com/topic/erisa) - [Adviser Marketing](https://blog.dalbar.com/topic/adviser-marketing) - [ESG](https://blog.dalbar.com/topic/esg) [![](https://blog.dalbar.com/hubfs/Excessive%20Fee%20Blog%20Header.jpeg)](https://blog.dalbar.com/excessive-fee-rebound) [Excessive Fee Rebound](https://blog.dalbar.com/excessive-fee-rebound) February, 28 2023 [Louis Harvey](https://blog.dalbar.com/author/louis-harvey) The avalanche of law suits filed against ERISA plan fiduciaries over the last decade may finally be subsiding. The subject went all the way to the... [Read More](https://blog.dalbar.com/excessive-fee-rebound) [![ERISA Plan Fees and Expenses](https://blog.dalbar.com/hubfs/Adviser%20Solutions12.jpg)](https://blog.dalbar.com/plan-economics-fees-expenses-of-employer-sponsored-erisa-retirement-plans) [Plan Economics: Fees & Expenses of Employer Sponsored ERISA Retirement Plans](https://blog.dalbar.com/plan-economics-fees-expenses-of-employer-sponsored-erisa-retirement-plans) September, 29 2022 [Louis Harvey](https://blog.dalbar.com/author/louis-harvey) Introduction Fiduciaries of Employer Sponsored ERISA Retirement Plans (“Plans”) have the duty to act in the best interest of Plan participants and... [Read More](https://blog.dalbar.com/plan-economics-fees-expenses-of-employer-sponsored-erisa-retirement-plans) [![](https://blog.dalbar.com/hubfs/create-your-own_59083332%20(4)%20(1)-1.png)](https://blog.dalbar.com/excessive-fee-litigation-reckless-allegations) [Excessive Fee Litigations: Reckless Allegations](https://blog.dalbar.com/excessive-fee-litigation-reckless-allegations) August, 23 2022 [Louis Harvey](https://blog.dalbar.com/author/louis-harvey) Excessive fee litigation against retirement plan fiduciaries and service providers has grown from a one-off event into a cottage industry.... [Read More](https://blog.dalbar.com/excessive-fee-litigation-reckless-allegations) [![](https://blog.dalbar.com/hubfs/create-your-own_59083332%20(3)%20(1).png)](https://blog.dalbar.com/dos-and-donts-of-managing-investors-cash) [Dos and Don'ts of Managing Investors Cash](https://blog.dalbar.com/dos-and-donts-of-managing-investors-cash) August, 10 2022 [Louis Harvey](https://blog.dalbar.com/author/louis-harvey) During these historical and unpredictable market conditions, the issue of safety has become paramount and investor attention turns to safety.... [Read More](https://blog.dalbar.com/dos-and-donts-of-managing-investors-cash) [![](https://blog.dalbar.com/hubfs/create-your-own_59083332%20(2)%20(1).png)](https://blog.dalbar.com/the-cost-of-quality-in-financial-services) [The Cost of Quality in Financial Services](https://blog.dalbar.com/the-cost-of-quality-in-financial-services) August, 1 2022 [Louis Harvey](https://blog.dalbar.com/author/louis-harvey) There is little question about the desirability of high quality in products and services. On the other hand, there is very little consensus on the... [Read More](https://blog.dalbar.com/the-cost-of-quality-in-financial-services) [![The Target Date Replacement](https://blog.dalbar.com/hubfs/AdobeStock_170813859%20(1).jpeg)](https://blog.dalbar.com/the-target-date-replacement) [The Target Date Replacement](https://blog.dalbar.com/the-target-date-replacement) March, 2 2022 [Louis Harvey](https://blog.dalbar.com/author/louis-harvey) What is Prudent Asset Allocation? Prudent Asset Allocation (“PAA”) is an overarching investment strategy that separates investors assets into two... [Read More](https://blog.dalbar.com/the-target-date-replacement) [![Bridging Those Market Valleys](https://blog.dalbar.com/hubfs/AdobeStock_318088554%20(1).jpeg)](https://blog.dalbar.com/bridging-those-market-valleys) [Bridging Those Market Valleys](https://blog.dalbar.com/bridging-those-market-valleys) March, 2 2022 [Louis Harvey](https://blog.dalbar.com/author/louis-harvey) What is Prudent Asset Allocation? Prudent Asset Allocation (“PAA”) is an overarching investment strategy that separates investors assets into two... [Read More](https://blog.dalbar.com/bridging-those-market-valleys) [![](https://blog.dalbar.com/hubfs/my-visual_57855551%20(1)%20(1).png)](https://blog.dalbar.com/prudent-asset-allocation-case-study) [Prudent Asset Allocation Case Study](https://blog.dalbar.com/prudent-asset-allocation-case-study) February, 23 2022 [Louis Harvey](https://blog.dalbar.com/author/louis-harvey) What is Prudent Asset Allocation? Prudent Asset Allocation (“PAA”) is an overarching investment strategy that separates investors assets into two... [Read More](https://blog.dalbar.com/prudent-asset-allocation-case-study) [![Always Having Cash When You Need It](https://blog.dalbar.com/hubfs/my-visual_57485980%20(4).png)](https://blog.dalbar.com/always-having-cash-when-you-need-it) [Always Having Cash When You Need It](https://blog.dalbar.com/always-having-cash-when-you-need-it) February, 23 2022 [Louis Harvey](https://blog.dalbar.com/author/louis-harvey) What is Prudent Asset Allocation? Prudent Asset Allocation (“PAA”) is an overarching investment strategy that separates investors assets into two... [Read More](https://blog.dalbar.com/always-having-cash-when-you-need-it) [![](https://blog.dalbar.com/hubfs/my-visual_57855551.png)](https://blog.dalbar.com/capturing-your-fair-share-of-stock-markets) [Capturing Your Fair Share of Stock Markets](https://blog.dalbar.com/capturing-your-fair-share-of-stock-markets) February, 23 2022 [Louis Harvey](https://blog.dalbar.com/author/louis-harvey) What is Prudent Asset Allocation? Prudent Asset Allocation (“PAA”) is an overarching investment strategy that separates investors assets into two... [Read More](https://blog.dalbar.com/capturing-your-fair-share-of-stock-markets) [![Retirement Funds](https://blog.dalbar.com/hubfs/my-visual_1993%20(4)%20(1).png)](https://blog.dalbar.com/best-way-to-make-your-retirement-funds-work-for-you) [The Best Way to Make Your Retirement Funds Work for You](https://blog.dalbar.com/best-way-to-make-your-retirement-funds-work-for-you) February, 23 2022 [Louis Harvey](https://blog.dalbar.com/author/louis-harvey) What is Prudent Asset Allocation? Prudent Asset Allocation (“PAA”) is an overarching investment strategy that separates investors assets into two... [Read More](https://blog.dalbar.com/best-way-to-make-your-retirement-funds-work-for-you) [![A Best Interest Approach to Asset Allocation](https://blog.dalbar.com/hubfs/AdobeStock_431421689%20(1).jpeg)](https://blog.dalbar.com/a-best-interest-approach-to-asset-allocation) [A Best Interest Approach to Asset Allocation](https://blog.dalbar.com/a-best-interest-approach-to-asset-allocation) December, 17 2021 [Louis Harvey](https://blog.dalbar.com/author/louis-harvey) Asset allocation has been practiced in an arbitrary way since the dawn of the Modern Era\[1\]. While thought to be beneficial, great improvements to... [Read More](https://blog.dalbar.com/a-best-interest-approach-to-asset-allocation) [![Environment, Social, Governance (ESG)](https://blog.dalbar.com/hubfs/my-visual-copy_55553082%20(12)%20(1)-1.png)](https://blog.dalbar.com/proposed-esg-regulations-pave-the-way-for-esg-investing-in-erisa-plans) [Proposed ESG Regulations Pave the Way for ESG Investing in ERISA Plans](https://blog.dalbar.com/proposed-esg-regulations-pave-the-way-for-esg-investing-in-erisa-plans) October, 18 2021 [Louis Harvey](https://blog.dalbar.com/author/louis-harvey) The DoL’s proposed rule, "Prudence and Loyalty in Selecting Plan Investments and Exercising Shareholder Rights" (“ESG Proposal”) released on October... [Read More](https://blog.dalbar.com/proposed-esg-regulations-pave-the-way-for-esg-investing-in-erisa-plans) [![How to Prevent Investor Panic Selling](https://blog.dalbar.com/hubfs/my-visual-copy_55553082%20(8)%20(1).png)](https://blog.dalbar.com/how-advisors-prevent-panic-selling) [How Advisors Prevent Investor Panic Selling](https://blog.dalbar.com/how-advisors-prevent-panic-selling) October, 4 2021 [Louis Harvey](https://blog.dalbar.com/author/louis-harvey) It seems fitting, if not ironic, that in the year 2020 hindsight emerged as an important theme. The COVID-19 pandemic had taken the world by storm... [Read More](https://blog.dalbar.com/how-advisors-prevent-panic-selling) [![Investment Returns](https://blog.dalbar.com/hubfs/shutterstock_368094626.jpg)](https://blog.dalbar.com/factors-influencing-future-returns) [Factors Influencing Future Returns](https://blog.dalbar.com/factors-influencing-future-returns) September, 16 2021 [Louis Harvey](https://blog.dalbar.com/author/louis-harvey) It is a natural reaction for institutions and individuals to want to find out how much money their investments have earned or lost. This holds the... 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