Late one night, I got a call from a CFO who'd just received a letter from the Department of Labor.

They had questions about his company's 401(k) plan. He had answers. But no documentation to back them up.

That call stayed with me. Not because it was unusual — because it wasn't. I'd been through versions of that conversation dozens of times.

I'd spent years studying ERISA law, clerked for the Supreme Court of Pennsylvania, and taught fiduciary responsibility at Widener Commonwealth Law School. But the people calling me weren't looking for legal theory. They needed practical answers to questions they didn't know to ask.

That's why this book exists.

Most problems I encounter aren't caused by bad intentions. They happen because smart people are handed responsibility for something they were never trained to manage. Your provider says they've "got it covered." Your broker sends quarterly reports. Everyone assumes someone else is handling the details.

Then a question arrives — from an employee, an auditor, or a regulator — and suddenly you're not sure what you're supposed to know.

I priced this book at $0.99 because the information inside shouldn't be expensive or hard to find. Too many resources in this space are either impossibly technical or locked behind consulting fees.

My family built Langan Financial Group on a simple principle: give honest guidance and treat people like they matter. We answer the phone when clients call — even late at night. We know employees' names. We explain things in plain language.

This book is that principle in written form. Read it. Use it. The knowledge is yours — whether you ever work with us or not.