BIP Winter 2025

retirement industry’s fiduciary model. Advisors learn how to identify conflicts of interest, benchmark vendor pricing, analyze claims data and document every decision to protect both the employer and plan participants. O’Toole emphasizes that the goal extends beyond compliance. “This isn’t just about avoiding lawsuits,” he says. “When employers embrace fiduciary principles, they return capital to themselves and to their employees. It’s one of the few compliance initiatives that improves health, trust and financial outcomes all at once.” The certification includes six hours of live instruction, four hours of self-study, and two hours of testing. Advisors who complete it can also train employer clients, expanding fiduciary literacy across the benefits ecosystem. “Transparency and stewardship are the new differentiators,” O’Toole adds. “Advisors who can prove process — and teach it — will define the next era of healthcare leadership.” their employees. — Hugh O'Toole, Innovu “ ” When employers embrace fiduciary principles, they return capital to themselves and to