Market Data as of Week Ending: 1/16/2026 unless noted otherwise U.S. equities were mixed last week as earnings season kicked off with several big banks reporting fourth-quarter results. Expected earnings growth for Q4 2025 was lowered to 8.2% and if realized, the...
Market Data as of Week Ending: 1/9/2026 unless noted otherwise U.S. equities rose last week, overcoming heightened geopolitical tensions as most major indices closed at record highs. With an estimated 8.3% growth rate for Q4 2025, the S&P 500 is on track to...
Sending You Warm Holiday Wishes With the holiday season approaching, we want to take a moment to share our heartfelt appreciation for the opportunity to support your organization and its meaningful mission. Your commitment to helping others prepare for and navigate...
By Rebekah Meredith We’ve all heard it, many Americans are behind when it comes to saving for retirement, and some fear they may never be fully prepared as other financial stressors take priority. But what if advisors could help change that trajectory for...
Managing a 401(k) plan involves more than offering retirement benefits—it requires fulfilling fiduciary duties under ERISA (Employee Retirement Income Security Act). Many plan sponsors don’t fully understand these legal responsibilities, putting themselves at risk....
When deciding to implement a retirement plan for your business, you will be presented with two options: a 401(k) or a SIMPLE IRA. While a 401(k) is more recognizable, both options offer retirement savings for eligible employees, and can include contributions from both...
In an attempt to address the country’s retirement savings crisis, several states have now started requiring certain employers to offer a retirement savings option. If employers are unable to provide a private retirement plan, they must adopt their state-mandated plan....
When it comes to retirement planning, options like 401(k)s and IRAs are popular, but business owners and high-income earners often seek more robust solutions. Cash Balance Plans offer a compelling alternative, blending the benefits of a traditional defined benefit...
Statistically around 80% of small business 401(k) plans opt for a safe harbor plan design. This choice helps them automatically meet the ADP/ACP tests and avoid nondiscrimination tests conducted by the IRS. Consequently, business owners and highly compensated...
Whether you're an advisor who's new to the 401(k) space, or you’ve been offering them for years, one thing is certain: knowing the complexities of a retirement plan shouldn’t be your primary focus, providing financial...