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 […]
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.
The Power of Compound Interest: How to Build Wealth for Retirement
If you haven’t had much of a financial education, the idea of calculating compound interest may make your eyes glaze over. But don’t let it!
401(k) Contribution Limits for 2024: What Does It Mean to You?
Let’s talk about how the numbers are changing and what it will mean for you, your business and your employees.