401(k) Real Chat: Jeff Elvander

Fred Barstein, contributing editor to WealthManagement.com’s RPA channel, invites retirement industry thought leaders to answer three probing questions on critical issues, providing an open, honest and candid dialogue.
This week, we host Jeff Elvander, CIO at flexPATH Strategies and RPAG. He held a similar position at NFP Retirement before that.
We ask him:
Student loan consolidation is often confused with general debt consolidation, but the two are not the same. Debt consolidation usually...
No, the government does not make a profit on student loans, despite charging interest. In 2024, the government lost $19.64...
Last month, a team managing $129 billion in client assets broke away from Merrill Lynch to launch their own registered...