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 […]
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 […]
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 […]
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 […]
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 […]
401(k) Rollovers: Take Your Retirement With You
In today’s economy, the average worker changes jobs 5-7 times over the course of their career. As a result, many will need to transfer their employer-sponsored retirement savings through a process known 401(k) rollovers. It is important to be educated on the process and benefits of rolling over retirement assets. What are rollovers? A rollover […]
Understanding Qualified Disaster Withdrawals from a Retirement Plan
Disasters are unpredictable, but as a financial advisor, you are in a unique position to help your clients prepare for and recover from them. Thanks to SECURE 2.0, there are new provisions that can support your clients during difficult times, including qualified disaster withdrawals, expanded distributions, tax relief, and plan loan options. These provisions are […]
Strategies to Supercharge Your IRA & Maximize Returns
Saving for retirement is a race, and you don’t want to fall behind into that group of slackers at the back of the pack. If you think it’s all about complicated investment strategies and other nebulous concepts out of your control that you don’t fully understand, it’s not. I mean, some of it is — but a lot of it isn’t. We’re here to tell you that there are things you can do to feather your retirement nest in a fluffier way.
How to Build a Retirement Portfolio
We think it’s safe to say that the average working person in the U.S. doesn’t know a great deal about investing. Not only that, but the topic can even provoke anxiety, most often because the cost of a mistake in this sphere can be high. If your company just began offering a 401(k) plan, or you are thinking about opening an IRA through your company or on your own, we have a few suggestions for some things you should do to make investing easier — and to get the most out of your investments.