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Change in the financial planning landscape is a given. We routinely post content that will help you stay current with legislative topics, financial planning tools, and everything you want to know about retirement strategies.
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Gratitude in Brief for the Holiday Season
If you think about it, “reflection” is an interesting word. Depending on the context, it can mean gazing backward in time, inward to your personal core, or outward at how others perceive you. Regardless of the view, we believe there’s
Navigating Market Crowd Wisdom
In a bit of a paradox, you’ll find the following two titles on our recommended reading list: The Wisdom of Crowds, James Surowiecki (2005) Memoirs of Extraordinary Popular Delusions and the Madness of Crowds, Charles Mackay (1852) So, which is
Fed Rate Decision: Implications for Sponsors
In September, the U.S. Federal Reserve announced it would hold interest rates steady for now but signaled at least one more hike may lie ahead before the end of the year. Moreover, rates are likely to stay elevated, as the
Financial Freedom: When Financial Therapy Meets Wealth Management
As financial advisors, we help people attain financial independence. Usually, our personalized planning conversations are enough to help them establish a healthy, happy relationship with their money. But sometimes, we uncover bigger pain points we need to move past before
Top 5 Questions You Should be Asking About the SECURE 2.0 Act as a Retirement Plan Sponsor
1. How does the SECURE 2.0 Act affect my current participants? Employer Matching Contributions as designated Roth contributions: An optional provision, which has now been delayed until January 1, 2026. Participants may choose, plan permitting, to treat employer
Navigating Investment Choices: Learning from Mistakes and Maximizing Opportunities
Nobody wants to make investment mistakes. And yet, we’re human; mistakes happen. Here’s how to minimize the ones that matter the most, and make the most of the ones that remain. Bad Decisions vs. Bad Outcomes First, let’s define what
Understanding the True Cost of Safe Harbor Plans
As a plan administrator or sponsor, you want to provide your employees with a retirement plan that benefits them while also being beneficial to your company. Safe harbor plans have become a popular option, but some sponsors may be hesitant
Unravelling 408(b)(2) Plan Fees
You already know a fiduciary must act solely in the interest of the plan participants, their beneficiaries and alternate payees to ensure that only reasonable expenses are being paid. The big question is: how do you know if plan fees
Securing Your Interests: Essential Legal Tools for Life’s Uncertainties
Whether due to disability, dementia, or simply enjoying an exotic vacation, there are many ways you can end up unavailable to make critical financial or healthcare choices for yourself or your loved ones. If you’ve not documented your desires in
Working with a Plan Administrator: Setting Up Retirement Plans that Retain Employees
With the ever-changing landscape of retirement benefits and the laws around them, it makes sense that employees are taking a closer look at what companies are offering. Appreciation for company benefits is on the rise, according to the 2022 Global
The Pitfalls of Stock Buybacks: Balancing Risks and Rewards
In our last piece, we summarized the ways a successful stock buyback can deliver powerful, tax-efficient value to shareholders, without stunting future growth. But stock buybacks are like any other power tool: They’re not always the best, or even safest
The Top Three Reasons to Outsource Fiduciary Services
Many companies are outsourcing more and more activities, mainly because outsourcing can provide cost savings and increase productivity. Outsourcing allows companies to focus more on their core businesses, rather than spending time on areas outside their expertise. For retirement plan
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