When businesses merge, leaders naturally prioritize financials, culture, and operations. But one critical area is often overlooked, and can have lasting consequences for compliance, employee trust, and deal success: the company retirement plan. Read more…
Self-Employed? Here's How to Build a Tax-Advantaged Retirement Plan That Works for You
Running your own business comes with freedom, flexibility, and unlimited potential, but it also means you’re solely responsible for your financial future. Read more…
What Employers Need to Know About the 2026 Roth Catch-Up Rule
If you sponsor a 401(k) or 403(b) retirement plan for your employees, a key provision of the SECURE 2.0 Act will soon require your attention. Beginning January 1, 2026, the Roth Catch-Up Rule goes into effect—impacting how catch-up contributions are handled for high-income earners. Here's what you Read more…
Private Equity in 401(k) Plans: A Fiduciary Perspective for Employers
The landscape of retirement plans is evolving, and one of the more recent developments involves the discussion of private equity and other private market investments within 401(k) plans. Read more…
An Overview of Cash Balance Plans: What They Are, The Benefits, and The Trade-Offs
As a retirement plan advisor, I help business owners come up with the right mix of employee benefits to attract and retain talent as well as build a secure retirement for themselves and their employees. Read more…
What to Look for to Improve Your 401(K) in 2025
As another year begins, there is a lot on business owners' minds. How do I keep my best employees? How do I reduce business expenses? Now is a great time to assess portions of your business. Is there a better, cheaper, way to do something? Is there a way to make your team's life easier? Read more…
Target Date Funds vs. Risk Tolerance Strategies: Which Investment Approach is Right for Your Company's Retirement Plan?
When working with your advisor to review the investment strategies for your 401(k) plan, many companies default to using Target Date Funds as the main option in their retirement plan. Read more…
Why Am I Getting Refunds From My 401(k)?
The Short Answer: Why am I getting refunds from my 401(k)? You’re likely receiving a 401(k) refund because your plan failed IRS nondiscrimination testing—most often the ADP test. When highly compensated employees save at higher rates than the rest of the workforce, the plan must return “excess Read more…
Learn How Business Owners Can Save $75,000 a Year Into Their 401(k)
For many people, the question “How much can I save into my 401(k)?” has a simple answer. If you are under age 50 in 2024 you can save $23,000 into your 401(k). If you are over 50 you can save $30,500. Read more…
11 Different Types of Retirement Plans
Only 31 percent of non-retirees think their retirement saving is on track, according to the Federal Reserve's Report on the Economic Well-Being of U.S. Households in 2022. Read more…
