Types of 401(k) Providers and How to Choose the Right One for Your Business
Choosing a 401(k) provider is one of the most important operational decisions a business owner makes. The type of provider you choose will directly shape how much time your team spends on administration, how well your plan stays compliant, and how easily your benefits program scales as you grow. Here’s the thing, not all 401(k) […]
The 401GO Advantage: Modern 401(k) Solutions for Every Stage of Growth
401GO at a Glance: Selecting a 401(k) provider is an important decision for any business’ benefits strategy. While many traditional providers are bogged down by manual paperwork and fragmented services, 401GO delivers 401(k) plans with ease. By combining cutting-edge automation with a human-centric approach, we have moved beyond Frankenstein digital tools to a fully unified, […]
What is a 403(b)?
A 403(b) is a retirement plan for tax-exempt organizations. Similar to a 401(k), they offer unique tax advantages. They can be a powerful tool to help people reach retirement goals, especially with the 15-Year Rule. If you work for a school, a hospital, or a 501(c)(3) nonprofit, you’ve likely been offered a 403(b) plan. This […]
Wealth Management vs. Retirement Plan Advisors: Why the Future is Integrated
There’s no question that wealth management and retirement plan advising are converging. The real question is: where did this shift begin and where is it going next? Integration of wealth management and retirement plan advisors is the future. Most successful firms are moving away from choosing one or the other, instead combining both services to […]
What Actually Happens When You Fail 401(k) Testing
Do you treat 401(k) testing as a secondary, last minute task? If you understood what happens when a plan fails 401(k) testing, you wouldn’t want to put it off. While simple if caught in advance, leaving testing to last minute could result in unintended consequences. Take a minute to go beyond the technical jargon and […]
Minnesota Becomes Latest State to Implement a Retirement Mandate
The Minnesota Secure Choice Retirement Program requires employers with 5 or more employees to offer a retirement plan starting in 2026, but you can avoid the state-run IRA’s limitations by choosing an automated 401(k) plan from 401GO. About 40% of American adults have no money set aside in a retirement savings plan. Specifically, nearly one […]
How to Maximize Retirement Savings: A Guide to 401(k) and Cash Balance Plan Combo
Maxing out your 401(k) is a great start, but for high-income earners, it can often feel like trying to fill a swimming pool with a garden hose. Even with the total 401(k) limit rising, many business owners are still left with a massive tax bill and a savings gap. Enter the cash balance plan. When […]
What is a 3(38) Fiduciary? (And Why you Should Care)
In the ERISA landscape, “fiduciary” is more than a buzzword; it is a legal standard that carries significant weight. For advisors and plan sponsors, the 3(38) Investment Manager serves as a critical tool for risk mitigation and operational efficiency. By definition, a 3(38) fiduciary is an investment manager who assumes full discretionary authority over a […]
Why Financial Wellness is Your Business’s Secret Weapon
Financial health doesn’t live in a vacuum. It’s not a box you can tuck away at 9:00 AM and pick back up at 5:00 PM. Financial stress follows people into the office, affecting their focus, health, and overall productivity. You can support employees by offering a retirement plan. But to truly help your team and […]
2026 IRA Limits: Your Simple Guide to Saving Smarter
In 2026, staying on top of retirement rules is more than just something to check off your list; it’s how you protect your hard-earned money. If you’ve been looking for a way to save beyond your employer’s plan, an Individual Retirement Account (IRA) is your best friend. At 401GO, we’re all about making the complex […]