Why Long-Term Care Insurance Is a Safety Net Everyone Should Consider
2026 Retirement Contribution Limits Are Increasing – Here’s What You Need to Know About the New Roth Catch-Up Rule
Written by: Greg Phillips, AIF®, CPFA®, C(k)P® The IRS has released the new retirement contribution limits for 2026, and the numbers are going up again. Higher limits mean a greater opportunity to save more for your future, especially for those age 50 and older who qualify for “catch-up” contributions. Here are the key 2026 limits: 401(k), 403(b), […]
Estate Planning Documents Everyone Needs and When They Should Be Updated
This month we look at the legal documents to keep you and your family safe and sound. We’ll dive into: Estate Plan Living Trust Will Durable/ Nondurable/ Special or Limited/ Springing/Medical Power of Attorney Advance Medical Directive Kids’ Protection Plan
Don’t Leave Money Behind: How to Recover and Prevent Abandoned 401(k) Accounts
Written by: Greg Phillips, AIF®, CPFA®, C(k)P® When it comes to preparing for retirement, most people focus on contribution rates, investment performance, and future income needs. But there’s another factor that can quietly undermine your financial progress, the abandoned 401(k). At Twelve Points, we often meet clients who’ve changed jobs multiple times over the years […]
Cyber Security: The 5 Things Every Family Needs to Know to Stay Secure
In this session we will dive into the most recent cyber security trends that you and your family need to be aware of to stay safe through the holiday season. BlackCloak’s team will provide insight on recent scams, signs to look for, and recommended preventative measures that you can put in place to advise your […]
SECURE Act 2.0: Roth Treatment of Catch-Up Contributions – What Plan Sponsors Need to Know
One of the most impactful provisions of the SECURE Act 2.0 is the requirement that catch-up contributions for certain employees be made on a Roth basis. Beginning in 2026, participants age 50 and older who earned more than $150,000 (indexed) in wages from their existing employer during the prior year must have their catch-up contributions made […]
The Importance of Employee Education: Helping Your Construction Workforce Plan for Retirement
Retirement planning can feel like a distant concern when you’re working long hours on a job site. For construction workers, the demands of the trade irregular schedule, seasonal work, and the physical intensity of the job make it easy to put off thinking about financial security down the road. But here’s the reality: without the […]
Basics of Financial Planning
General Guidelines & Case Studies Budgeting Emergency Funds Retirement Savings Insurance Goals (Long-Term & Short-Term) Wills & Trusts Health Care Planning
Maximizing Your Construction Company’s 401(k) Plan: Best Practices for Employers
In the construction industry, attracting and retaining skilled workers is no easy task. Between high turnover, seasonal employment, and the need to remain competitive in a tight labor market, providing meaningful benefits can make all the difference. A well-structured 401(k) plan is one of the most powerful tools a construction company can use to invest […]
Digital Assets 101
Crypto is more than an investment — it’s a new financial system for the internet. This webinar will give you a clear, practical introduction to how it all works — and why it matters. We’ll start with the basics: what Bitcoin, Ethereum, and blockchains are, and how they’re being used today. You’ll learn how to […]
Vikram Konanki
Neil Tremblay
