SECURE 2.0 Check-In: Three Employee Groups That May Need Extra Attention
While many of the major provisions of SECURE 2.0 are already in effect, plan sponsors still have work to do as they operationalize the changes. This summer is a good opportunity to review how the legislation affects different segments of the workforce before small administrative issues become larger compliance concerns. Here are three employee groups […]
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, […]
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 You Need to Know About 2026 401(k) Contribution Limits
Saving for retirement just got a little more room to grow. The IRS announced new 401(k) contribution limits for 2026. If you’re a saver, business owner, or advisor helping clients plan ahead, these changes matter. Whether you’re maxing out your contributions or just getting started, understanding the new limits helps you make the most of […]
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 […]
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 […]
Using Technology to Scale 401(k) Business: A Year-End Evaluation for Advisors
As the year winds down, most of us start taking stock of what worked, what didn’t, and where we can put our energy next year. For many financial advisors, the 401(k) side of their practice falls into an odd category. They like the opportunity, but the administrative work that comes with most providers makes it […]
RMDs for 401(k)s: What Advisors Need to Know for a Smooth End of Year
If there’s one thing advisors don’t need in Q4, it’s unexpected Required Minimum Distribution (RMD) drama. Don’t worry. We recently hosted a webinar covering everything you need to know about RMDs from the regulations to how they impact your clients. We have the highlights below, but be sure to watch the full webinar to be […]
The New Roth Catch-Up Rule is a Big Change for Savers
The SECURE 2.0 Act, enacted in late 2022, introduced dozens of updates to modernize the retirement savings system. While many provisions focus on expanding access and flexibility, one change in particular has drawn significant attention: the upcoming Roth catch-up requirement. This provision alters how older, higher-earning workers can contribute to their employer-sponsored retirement plans, with […]