(function(){var c={id:"21312",html:'
\n \n \n \n \n \n \n \n \n
\n \n \n \n \n \n \n \n \n \n \n \n \n
napa-net-daily-logo_136922.jpg
\n\n
 
\n\n
\n
Subscribe to NAPA Net Daily \u2013 the Plan Advisors\u2019 Must-Read Newsletter \u2013 and you\'ll get instant access to the latest news & industry information, insight & commentary from industry thought leaders, practice management tools & resources.
\n\n
 
\n\n
Sign up today!
\n
\n\n
 
\n
\n
\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n
\n \n
\n \n \n \n \n \n \n \n
\n \n \n \n \n \n \n
\n \n
\n 		\n \n \n \n \n \n \n
\n \n
\n
\n
\n \n
\n \n
\n \n \n \n \n \n \n \n
\n \n \n \n \n \n \n \n \n \n
\n \n \n \n \n \n \n
\n \n
\n
\n \n
\n 		\n \n \n \n \n \n \n
\n
\n
\n \n \n \n \n \n \n
\n \n \n \n \n \n \n
\n \n
\n
\n
\n \n \n \n \n \n \n \n \n
\n \n \n \n \n \n \n
\n \n
\n 		\n \n \n \n \n \n \n
\n \n
\n 		\n \n \n \n \n \n \n
\n \n
\n
\n
\n \n
\n \n
\n \n
\n \n
\n \n
\n \n
\n
* = Required Fields
\n
\n \n \n
\n
\n \n
\n
 
\n
\n

Welcome!

\n
 
\n

You\u2019ve subscribed to NAPA Net Daily \u2013 the most widely read, and widely shared \u2013 information source for retirement plan advisors.  \n \n \n \n

\n
 
\n

You will shortly receive a confirmation message from NAPA Net Daily with a link to manage your NAPA Net subscription preferences.  If you do not get the email, please check your bulk or spam folder. If you want to ensure the delivery of the Daily, please add to napa-net@napa-net.org to your address book. \n \n \n \n

\n
 
\n

You\u2019re now part of a community of industry professionals with the opportunity to gain new insights, to learn about and share practice management ideas, keep current with the latest plan design innovations, while tapping into the perspectives of the nation\u2019s leading retirement industry voices.  \n \n \n \n

\n
 
\n

Thank you, and welcome to NAPA Net!\n \n \n \n

\n
 
\n

Regards, \n \n \n \n

\n

 \n \n \n

\n

Nevin E. Adams, JD\n \n \n \n

\n
 
\n

Chief Content Officer, American Retirement Association & Editor-in-Chief of NAPA-Net\n \n \n \n

\n
\n
\n
 
\n\n
NAPALogo400x120_136923.jpg
\n\n
4401 N. Fairfax Drive, Suite 600 \u2022 Arlington, Virginia 22203 \u2022 CustomerCare@napa-net.org
\n
\n
\n
',uri:"napanewsletter_signup",url:"https://usaretirement.realmagnet.land",submit_url:"//usaretirement.realmagnet.land/submit/21312,3?",query_string:"",image_url:"//usaretirement.realmagnet.land/image/21312,6971?",rm_host:true,form_action:"self",form_redirect_url:"",lead_api:"eQeKHgsGfEiwPdPYRBMBg",lead_script:"https://tracking.magnetmail.net/MagnetLeads.js",lead_onsubmit_url:"https://tracking.magnetmail.net/rd/",prepopulate_fields:"{}",show_progressive:"{}",personalization:"{}"};var j=false;var d=false;var i=2000-c.submit_url.length;c.recaptcha={url:"https://www.recaptcha.net/recaptcha/api.js?render=explicit&onload=RMCBRecaptchaCallback",key:"6LfHs_gSAAAAAMH8XuLRsg118e_qvET0wQgrPDlc"};var f={nestedForms:'Landing Page cannot be embedded inside another form.
Switch to "iFrame" option or move target DIV out of the existing form.',field_required:"is required.",field_invalid:"invalid format.",field_numeric:"invalid number.",field_email:"invalid email format.",field_date:"invalid date format. Please enter date in mm/dd/yyyy format.",field_urlLength:"value is too long for submission",submission_error:"An error occurred while processing your submission. Please contact our support team.",server_error:"Server responded with error. Please contact our support team.",database_error:"An error occurred while saving this form. Please contact our support team."};var b={"missing-input-secret":"The secret parameter is missing.","invalid-input-secret":"The secret parameter is invalid or malformed.","missing-input-response":"The response parameter is missing.","invalid-input-response":"The response parameter is invalid or malformed.","timeout-or-duplicate":"Timeout or duplicate."};var a={};a.consolelog=function(){if(!d){return}var k=Array.prototype.slice.call(arguments);k.unshift("[ID="+c.id+"]");console.log.apply(null,k)};a.ieVersion=(function(){var o=window.navigator.userAgent;var l=o.indexOf("MSIE ");if(l>0){return parseInt(o.substring(l+5,o.indexOf(".",l)),10)}var n=o.indexOf("Trident/");if(n>0){var m=o.indexOf("rv:");return parseInt(o.substring(m+3,o.indexOf(".",m)),10)}var k=o.indexOf("Edge/");if(k>0){return parseInt(o.substring(k+5,o.indexOf(".",k)),10)}return -1})();a.getComputedStyle=function(k){if(window.getComputedStyle!==undefined){return window.getComputedStyle(k,null)}else{return k.currentStyle}};a.isInIframe=(function(){try{return window.self!==window.top}catch(k){return true}})();a.isRMHost=(function(){if(a.isInIframe){return false}var k=window.location.hostname.toLowerCase();var l=c.url.toLowerCase().replace(/\/$/,"").replace(/^(http|https):\/\//,"");return k==l})();a.domReady=function(k){if(document.readyState==="complete"||(document.readyState!=="loading"&&!document.documentElement.doScroll)){k()}else{if(window.addEventListener){window.addEventListener("DOMContentLoaded",k)}else{document.attachEvent("onreadystatechange",function(){if(document.readyState==="complete"){k(window.event)}})}}};a.findTarget=function(k){var m="RM-target-lp-"+k;var n="landing_container";var l=document.getElementById(m);if(!l){l=document.getElementById(n)}if(!l){console.error('RealMagnet: Cannot find a target container for the LandingPage. Add
to your page.');return}return l};a.parseURI=function(n){if(n===undefined){n=""}n=n.replace(/^\?/,"");n=n.replace(/\&$/,"");var m=n.split("&"),k={};for(var l=0;l>>0;if(p===0){return -1}var q=l|0;if(q>=p){return -1}m=Math.max(q>=0?q:p-Math.abs(q),0);while(m1){return true}if(B.length==1&&B[0]!==undefined&&B[0]!==""){return true}return false}if(!B.length||!B[0]){return true}if(z=="urlLength"){var A=u.elName+"="+encodeURIComponent(B);if(A.length>p){a.consolelog("** ",A,A.length+" VS "+p)}return A.length<=p}if(z=="numeric"){var w=/^\d+$/g;return w.test(B[0])}if(z=="email"){var w=/.+\@.+\..+/g;return w.test(B[0])}if(z=="date"){var w=/^([\d]{1,2})\/([\d]{1,2})\/([\d]{4})$/;var x=w.exec(B[0]);if(!x){return false}B[0]=("00"+x[1]).slice(-2)+"/"+("00"+x[2]).slice(-2)+"/"+x[3];var t=new Date(B[0]);if(t=="Invalid Date"){return false}var v=t.getMonth()+1,s=t.getDate(),C=t.getFullYear();var A=("00"+v).slice(-2)+"/"+("00"+s).slice(-2)+"/"+C;return A==B[0]}return true}function o(s,t){this.elType=s[0].type;this.elName=s[0].name;this.elements=s;this.elLabel=this.getLabelText();this.rules=["urlLength"];this.errors=[];this.prepareRules()}o.prototype.getLabelText=function(){var u=null;var s=this.elements[0],t;while(u===null){if(s.parentElement.attributes["data-zone"]&&s.parentElement.attributes["data-zone"].value=="form field"){u=s.parentElement}else{s=s.parentElement}}if(this.elType==="checkbox"||this.elType==="radio"){t=u.querySelectorAll("h5");if(t.length){return t[0].innerHTML}}t=this.elements[0].parentElement.querySelectorAll("span");if(t.length){return t[0].innerHTML}return this.elName};o.prototype.val=function(u){if(u===undefined){var v=[];for(var s=0;s"+this.elLabel+": "+s)};o.prototype.highlight=function(s){a.forEach(this.elements,function(t,u){a.toggleClass(t,"rm-form-invalid-field",s)},this)};o.prototype.putFocus=function(){this.elements[0].focus()};function r(){this.elName="utm_source";this.elLabel="UTM source";this.errors=[]}r.prototype={val:function(){return a.docUri["utm_source"]||""},isValid:function(){this.errors=[];var s=l("urlLength",this);if(!s){this.errors.push(""+this.elLabel+":"+f["field_urlLength"])}return s},putFocus:function(){},highlight:function(){}};function k(){this.elName="rc_response";this.elLabel="Captcha";this.obj=window.grecaptcha}k.prototype={val:function(){return[this.obj.getResponse()]},isValid:function(){this.errors=[];if(this.obj.getResponse()){return true}this.addError("please solve a challenge.");return false},addError:function(s){this.errors.push(""+this.elLabel+": "+s)},putFocus:function(){},highlight:function(){}};function n(s,t){var u=this;this.form=s.querySelectorAll("form")[0];this.submitBtn=s.querySelectorAll("button[type=submit], input[type=submit], input[type=image]")[0];this.totalProgressive=s.attributes["data-progressive-total-fields"]?parseInt(s.attributes["data-progressive-total-fields"].value,10):0;a.injectCSS(this.form,m);this.errorContainer=document.createElement("ul");a.toggleClass(this.errorContainer,"rm-form-error-summary",true);this.form.insertBefore(this.errorContainer,this.form.firstChild);this.zones={};this.findZones();this.prepopulate();a.on(this.form,"submit",function(v){v.preventDefault();if(u.submitBtn.attributes["disabled"]){return}u.submitBtn.setAttribute("disabled",true);if(u.isValid()){t(u)}else{u.submitBtn.removeAttribute("disabled")}})}n.prototype.prepopulate=function(){for(var s in this.zones){if(this.zones[s] instanceof o){if(c.prepopulate_fields[s]||a.docUri[s]){this.zones[s].val(a.docUri[s]?a.docUri[s]:c.prepopulate_fields[s])}}}};n.prototype.findZones=function(){var v=this.form.querySelectorAll('[data-zone="form field"]');if(this.totalProgressive){a.consolelog("SHOW PROGRESSIVE ("+this.totalProgressive+"): ",c.show_progressive);a.forEach(v,function(z){var y=z.querySelectorAll("input, select, textarea");if(y.length){if(y[0].attributes&&y[0].attributes["data-progressive"]&&y[0].attributes["data-progressive"].value){if(!c.show_progressive[y[0].name]){z.parentElement.removeChild(z)}}}})}var t=this.form.querySelectorAll("input, select, textarea");var x=this;var u={};a.forEach(t,function(y){if(y.type==="submit"||y.type==="image"){return}if(!u[y.name]){u[y.name]=[]}u[y.name].push(y)});for(var w in u){this.zones[w]=new o(u[w],this)}this.zones["utm_source"]=new r();var s=this.form.querySelectorAll('[class="rm-captcha-target"]');if(!s.length){return}window.RMCBRecaptchaCallback=function(){window.grecaptcha.render(s[0],{"sitekey":c.recaptcha.key});x.zones["rc_response"]=new k()};a.loadScript({url:c.recaptcha.url})};n.prototype.isValid=function(){var t;var u=true;this.errors=[];for(var s in this.zones){t=this.zones[s].isValid();u=t&&u}a.consolelog("FormValidation - FORM isValid? ",u);this.renderErrors();return u};n.prototype.renderErrors=function(){a.consolelog("FormValidation - render errors");var s;var t;for(var u in this.zones){if(this.zones[u].errors.length){if(!s){s=u}this.errors=this.errors.concat(this.zones[u].errors)}if(!t){t=u}this.zones[u].highlight(this.zones[u].errors.length>0)}if(this.errors.length){this.zones[s||t].putFocus()}a.removeChildElements(this.errorContainer);a.forEach(this.errors,function(v){var w=document.createElement("li");w.innerHTML=v;this.errorContainer.appendChild(w)},this);a.toggle(this.errorContainer,this.errors.length>0)};n.prototype.getValues=function(){a.consolelog("FormValidation - get values");var t=[];for(var s in this.zones){var u={};u[s]=this.zones[s].val();t.push(u)}return t};return n})();var h=(function(){function k(o){a.consolelog("IFRAME");var m=this;this.iFrame=document.createElement("iframe");this.iFrame.frameBorder="0";this.iFrame.scrolling="no";this.iFrame.style="border:none;border-width:0px;";var n="";for(var l in a.docUri){n+=(n?"&":"")+l+"="+a.docUri[l]}c.uri+=n?("?"+n):"";var p=c.url.replace(/^(http:)|(https:)/,"");this.iFrame.src=p+"/"+c.uri+"#"+encodeURIComponent(window.location.origin);window.addEventListener("message",function(q){m.receiveMessage(q)},false);o.appendChild(this.iFrame)}k.prototype.cmds={};k.prototype.cmds.resize=function(l){this.iFrame.style.height=l.height+"px";this.iFrame.style.width="100%"};k.prototype.cmds.redirect=function(l){window.location.href=c.form_redirect_url};k.prototype.cmds.trackSubmission=function(l){a.loadScript({url:c.lead_onsubmit_url+l.token})};k.prototype.receiveMessage=function(l){a.consolelog("window got message:",l.data);if(this.cmds[l.data.msg]&&l.data.tagId===c.id){this.cmds[l.data.msg].call(this,l.data.params)}};return k})();var e=(function(){function m(o){var n=this;this.tagId=o;this.parent=window.parent;this.parentOrigin=decodeURIComponent(window.location.hash.substring(1));this.size={width:0,height:0};window.onload=function(){n.onload()}}m.prototype={onload:function(){var n=this;document.documentElement.style.overflowY="hidden";this.checkSize();setInterval(function(){n.checkSize()},200)},checkSize:function(){var n=a.docSize();if(n.width!==this.size.width||n.height!==this.size.height){this.size.width=n.width;this.size.height=n.height;this.notify("resize")}},notify:function(o,p){var n={msg:o,tagId:this.tagId};switch(o){case"resize":n.params={width:this.size.width,height:this.size.height};break;case"redirect":a.consolelog("iframe asks to redirect");break;case"submitted":n.params=p;break}this.parent.postMessage(n,this.parentOrigin)}};function k(p,r){var o=[];var s="_n="+r;var n=""+s;var q;a.forEach(p,function(t){for(var u in t){q="&"+u+"="+encodeURIComponent(t[u]);if((n.length+q.length)>i){o.push(n);n=""+s}n+=q}});o.push(n);return o}function l(n){if(a.isInForm(n)){n.innerHTML=f.nestedForms;return}this.target=n;if(a.ieVersion!==-1){c.html=c.html.replace(/(@media[^{]+)(max-width)([^{]+{)/gm,"$1max-device-width$3")}this.setPersonalizedData();this.target.innerHTML=c.html;this.initForm();this.updateBG();this.setIE8CommonStyles()}l.prototype.updateBG=function(){if(!a.isInIframe&&!a.isRMHost){return}var p=this.target.querySelectorAll(".he_stage");if(!p.length){return}var n=["backgroundColor","backgroundImage","backgroundRepeat","backgroundSize"];var o=a.getComputedStyle(p[0]);a.forEach(n,function(q){if(o[q]){document.body.style[q]=o[q]}})};l.prototype.setIE8CommonStyles=function(){if(!a.isInIframe&&!a.isRMHost){return}if(a.ieVersion!=8){return}var o=/([\s\S]*?)<\/style>/gim;var n=o.exec(c.html);if(!n||n.length<2){return}a.injectCSS(document.getElementsByTagName("head")[0],n[1])};l.prototype.initForm=function(){var o=this.target.querySelectorAll('[data-zone="form"]');var n=this.target.querySelectorAll("form");var p=this;if(a.isInIframe){this.iframeHost=new m(c.id)}a.trackUtmSource(this.target);if(a.isRMHost&&!a.isInIframe){this.trackLeadVisit()}if(n.length&&o.length){c.prepopulate_fields=c.prepopulate_fields?JSON.parse(c.prepopulate_fields):{};c.show_progressive=c.show_progressive?JSON.parse(c.show_progressive):{};this.validator=new g(o[0],function(){p.submitData()})}};l.prototype.submitData=function(){var r=this;var p=this.validator.getValues();a.consolelog("submitData!",p);var t=a.createToken();var o=k(p,t);var v=0;var u=0;var s=0;var w;var q=[];a.forEach(o,function(x){w=c.submit_url+"_t="+o.length+"&"+x;a.consolelog("JSONP: ",w);a.JSONPRequest({url:w,onSuccess:function(y){a.consolelog("JSONP success: ",y);if(y.nonce!=t||(y.status&&y.status!="success")){u++;if(y.nonce!=t){r.validator.errors.push(f["submission_error"])}else{if(y.status=="missing"){if(r.validator.zones[y.message]){r.validator.zones[y.message].addError(f["field_required"])}else{r.validator.errors.push(y.status+": "+y.message)}}else{if(y.status=="invalid"){if(r.validator.zones[y.message]){r.validator.zones[y.message].addError(f["field_invalid"])}else{r.validator.errors.push(y.status+": "+y.message)}}else{if(y.status=="captcha"){if(r.validator.zones["rc_response"]){r.validator.zones["rc_response"].addError(b[y.message]?b[y.message]:y.message)}}else{if(y.status=="database"){r.validator.errors.push(f["database_error"])}else{r.validator.errors.push(y.status+": "+y.message)}}}}}}if(y.token){r.trackLeadSubmit(y.token)}n()},onError:function(){u++;s++;a.consolelog("JSONP server error: ",arguments);r.validator.submitBtn.removeAttribute("disabled");n()}})});function n(){v++;if(v!=o.length){return}if(u){r.validator.submitBtn.removeAttribute("disabled");a.consolelog("JSONP submission failed");if(s){r.validator.errors.push(f["server_error"])}r.validator.renderErrors();if(window.grecaptcha){window.grecaptcha.reset()}return}a.consolelog("JSONP submission successfull");r.onSubmitDone()}};l.prototype.setPersonalizedData=function(){if(c.personalization){c.personalization=JSON.parse(c.personalization);for(var n in c.personalization){c.html=c.html.replace(n,c.personalization[n])}}};l.prototype.onSubmitDone=function(){a.consolelog("submit done");if(window.ga){window.ga("send","event","landing page","submitted")}if(c.form_action=="self"){this.validator.form.style.display="none";var n=this.target.querySelectorAll('[data-hidden-content="thank"]');if(n.length){n[0].style.display="block"}}if(c.form_action=="redirect"){if(this.iframeHost){this.iframeHost.notify("redirect")}else{window.location.href=c.form_redirect_url}}};l.prototype.trackLeadVisit=function(){a.consolelog("* trackLeadVisit");if(c.lead_api){a.loadScript({url:c.lead_script,onLoad:function(){if(window.com.realmagnet.MagnetLeads.init){window.com.realmagnet.MagnetLeads.init(c.lead_api);window.com.realmagnet.MagnetLeads.visitPage()}else{console.log("com.realmagnet.MagnetLeads.init was not found")}}})}};l.prototype.trackLeadSubmit=function(n){a.consolelog("* trackLeadSubmit");if(c.lead_api){a.loadScript({url:c.lead_onsubmit_url+n})}};return l})();a.domReady(function(){var m=a.findTarget(c.id);if(a.ieVersion==7){m.innerHTML="This page does not work properly in Internet Explorer 7. Please open this page with a modern browser.";return}var l=a.parseURI(c.query_string);if(l._i){var k=new h(m)}else{var k=new e(m)}})})();