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 […]
Why Construction Companies Should Offer a 401(k) Plan: Benefits Beyond Retirement Savings
In today’s competitive construction industry, attracting and retaining skilled workers has become a challenge. With a shrinking labor pool, rising project demands, and the physical nature of construction work, companies need every advantage to stand out as employers of choice. One of the most effective ways to do that? Offer a strong 401(k) plan. While […]