If early 2026 reminded investors of anything, it’s this: markets don’t move in straight lines. Market volatility simply refers to the natural ups and downs in investment markets. Prices rise, fall, and...
We are proud to announce Francesca Federico has been named #1 on the 2026 AdvisorHub Women RIAs to Watch List! This recognition highlights firms demonstrating exceptional scale, growth, and professionalism, reflecting Francesca’s...
One of the most common compliance challenges facing traditional 401(k) plans is failing the Actual Deferral Percentage (ADP) test. When this occurs, highly compensated employees (HCEs) may be required to receive refunds...
The first quarter of 2026 marked a decisive shift in the global investment landscape, as markets transitioned away from the liquidity-fueled optimism that characterized much of 2025, and into a more fragile,...
As an auto dealer, you have spent years—often decades—building a successful business. You understand inventory, OEM relationships, facilities, and people. You’ve created meaningful enterprise value through discipline and execution. Yet when it...
Written By: Deb Cartisser What if the way we care for aging parents is fundamentally flawed? Not because families do not care enough, but because we have accepted a structure that quietly asks...
We are proud to announce that PLANADVISER has recognized our very own Francesca Federico as one of the Top Retirement Plan Advisers for 2026. Each year PLANADVISER recognizes the top retirement plan...
For growing construction companies, the retirement plan that worked in the early days can quickly become a burden. When a firm expands its workforce, what once felt manageable – a collection of...
Written by: Greg Phillips, AIF®, CPFA®, C(k)P® Retirement planning is not a straight line. Careers change, income fluctuates, families grow, and priorities shift. That is why at Twelve Points, we emphasize building a...
Written By: Deb Cartisser Trusts are often misunderstood, yet they are one of the most powerful and flexible tools available for protecting wealth, directing legacy, and creating clarity for the people you...
Written by: Greg Phillips, AIF®, CPFA®, C(k)P® One of the most common questions employees ask about their 401(k) is whether to contribute to Roth or pretax. Many people make this decision once, often...
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...
