The COVID pandemic is probably the most challenging thing we have gone through in our lifetime. I wasn’t alive during World War II nor have I ever served in our armed forces, so I would have to say the most challenging part in my role as an ERISA attorney has been the last 13 months since a good chunk of my business was deriving income and referrals from in-live events (hoping to go back live in September). While COVID has certainly been challenging, it has certainly opened up my eyes as to where the retirement plan industry is headed and the profound and long-term effect that COVID will have on this business (both good and bad).