Understanding the New Annual Discretionary Match Notice Requirement for 401(k) Plans
For many 401(k) plan sponsors, the calendar year brings familiar tasks: preparing Form 5500, updating notices, and communicating plan changes to participants. One requirement that has gained attention recently is the annual notice obligation tied to discretionary matching contributions under certain 401(k) plan designs. What’s the Requirement? Under the IRS’s current pre-approved plan document rules, […]
The Invisible Risks of Wealth You Shouldn’t Ignore
We will help you uncover the risks that quietly threaten even the most thoughtful financial plans. We will explore some unforeseen issues that can put hard earned wealth at risk. Learn to recognize them and understand what practical steps you can take now to strengthen your foundation and preserve the legacy you are building.
From Allowance to Independence: Raising Financially Fit Kids
Give your children the tools to make smart money choices for life. This webinar guides parents on teaching budgeting, saving, spending wisely, and building financial confidence from childhood through young adulthood.
Your Life, Your Wealth: A Decade-by-Decade Financial Roadmap for Women
Explore the key financial moves to make at every stage of life. From building a strong foundation in your 20s to confidently navigating retirement in your 60s and beyond, this session provides a clear, decade-by-decade roadmap to help you make smarter money decisions and build lasting wealth.
The Importance of Independent Oversight During a 401(k) Recordkeeper Transition
Overview A core component of any 401(k) recordkeeper transition is the transfer of plan assets. Assets are typically transferred in one of two ways: Liquidated and “mapped” into comparable investments at the new recordkeeper, or Transferred in-kind, without liquidation. The approach is documented in a conversion strategy document, developed with guidance (optimally) from the plan […]
What Retirement Plan Committees Should Be Covering in Their Meetings – A Best Practice Agenda for Strong Fiduciary Oversight
Well-run retirement plan committees do more than “check the box.” They provide documented, thoughtful oversight of the plan on behalf of participants and beneficiaries. A consistent meeting agenda not only improves governance, but it also creates a clear fiduciary record that decisions were made prudently and in the best interest of participants. Below is a […]
Why Long-Term Care Insurance Is a Safety Net Everyone Should Consider
We are all likely to face long-term care needs as we age and the costs can be significant. How can those expenses be covered well into our 80s and beyond without creating a financial burden on family members? Join us for a thoughtful and informative discussion on how long-term care insurance can help provide a […]
The Impact of Retirement Planning on Employee Retention in the Construction Industry
The construction industry has long battled high turnover, driven by project-based schedules, seasonal work, and competition for skilled labor. While competitive pay, steady hours, and strong safety practices remain essential, many construction companies are discovering another powerful, and often underused, retention tool: a well-designed retirement plan supported by clear, ongoing education. When retirement planning is […]
The Hidden Cost of “Free” Recordkeeping in 401(k) Plans
Many employers are told by their providers that their 401(k) plan has “free” or “no-cost” recordkeeping. While that phrase is common in the retirement industry, it is also misleading. Recordkeeping is never free. The real question is how it is paid for, who pays for it, and whether the arrangement creates fiduciary or equity concerns […]
2025 Year in Review and Market Outlook for 2026
We will walk through the majors pits and peaks of this fiscal year, while focusing specifically on: Market Returns Sectors and Assets Which Appear Overvalued/Undervalued Trends We See Developing How to protect yourself in 2026
Creating a Customized 401(k) Education Program for Your Construction Team
Construction companies invest heavily in safety, equipment, and workforce development, but long-term financial security is often overlooked. With high turnover, seasonal schedules, and variable wages, construction workers face unique obstacles when saving for retirement. A well-designed 401(k) education program can bridge that gap, helping employees understand their benefits, build confidence, and take meaningful steps toward […]
How Construction Business Owners Can Use Their 401(k) Plan as a Tool for Tax Savings
Running a construction business comes with its fair share of financial challenges, tight margins, unpredictable project timelines, and fluctuating labor costs. But one area where business owners have significant control is how they structure their retirement plan. A well-designed 401(k) plan can serve not only as a powerful employee benefit but also as a strategic […]