Don’t Let Your Clients Leave Their Retirement Behind
As someone who has spoken with and worked alongside thousands of financial advisors, one troubling pattern continues to emerge: many advisors aren’t taking a proactive, strategic approach to forgotten 401(k) assets. And the numbers show just how big this issue has become. The Growing Epidemic of Forgotten 401(k)s There’s an estimated $2.1 trillion in forgotten […]
Financial Planning Doesn’t Have to Be Intimidating
When people hear the words “financial planning,” it’s common for nerves to set in. Many assume it’s going to take too much time, cost too much money, or just be too overwhelming. But from my perspective, financial planning isn’t intimidating. I like to think of it the same way I think about an annual health […]
The Modern Retirement Solution: 401(k) Syndicate™
Looking for a way to scale your business? Most advisors build their retirement portfolio one plan at a time. When you introduce a 401GO Syndicate™ to an organization, such as a business association, chamber of commerce, PEO or franchise group, you open the door to dozens of businesses at once. Never heard of 401GO’s Syndicate™? […]
Safe Harbor Resources Center
Safe Harbor plans do exactly what the name suggests: they provide a secure way for small businesses to offer a 401(k) plan without the hassles of compliance testing that they often face. The 401GO deadline for 2025 Safe Harbor 401(k) plan submissions is next Friday, September 30th. Educate yourself and your clients with our Safe […]
Understanding 401(k) Plan Audits is a Must for Financial Advisors
Navigating the complexities of 401(k) plan audits can be daunting, but crucial for financial advisors supporting plan sponsors. I recently spoke with Nate Davis from Haynie & Company on the importance of these audits and how to approach them for success. Read the highlights below. The Importance of Annual 401(k) Plan Audits Annual audits are […]
Is your 401(k) Plan Mismanaged? Check the Forfeitures
Have you been hearing the buzz about mismanaged 401(k) plans? Many of the issues coming up for companies such as American Airlines, UBS, and UnitedHealth Group are a result of mismanaged forfeited funds. Confused on what those are and what you need to do about them as a plan sponsor? There’s some simple, but important […]
Convert Your SIMPLE IRA to a Safe Harbor 401(k)
The dog days of August bring us annual events with summer winding down, kids getting ready to go back to school, football games right around the corner and…Safe Harbor season in the air! The 2025 Safe Harbor season is even better since companies are now allowed (since 2024) to switch from a SIMPLE IRA to […]
The Secret Retirement Weapon Advisors Overlook: Health Savings Accounts (HSAs)
When people think of retirement savings, the usual suspects come to mind—401(k)s, IRAs, maybe a Roth account if they’re savvy. But there’s one tax-advantaged tool that often flies under the radar and yet may be the most powerful of them all: the Health Savings Account (HSA). That’s right. HSAs aren’t just for covering doctor visits […]
The Role of Alternative Assets in 401(k) Plans
Traditionally, 401(k) plans have centered around stocks and bonds, often following a 60/40 allocation strategy. This kind of asset allocation has historically returned about 8.8% annually from 1926 to 2023 based on U.S. market data. However, many investors and advisors are rethinking their retirement strategies by exploring alternative assets to diversify their portfolio and potentially […]
Get to Know the SECURE 2.0 Tax Credits for Small Businesses
If you, like many other business owners, have ever considered offering a 401(k) at your company but hesitated because of cost, it might be the time to reconsider. Thanks to the SECURE Act 2.0, the government is offering major tax credits that can reduce or even eliminate the costs of starting and running a retirement […]