Will Your 401(k) Pass Non-Discrimination Testing?
If you offer your team a 401(k) plan, you already know how valuable it is for attracting and keeping great people. But did you know the IRS has rules to make sure these plans don’t just favor owners or top executives? That’s where nondiscrimination testing (commonly referred to as ADP/ACP tests) comes into play. Failing […]
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 […]
Green Retirement, Inc. Enhances Retirement Plan Efficiency with 401GO
Client Overview: Timothy Yee, GreenRetirement, Inc. Timothy Yee, Chief Retirement Specialist and Co-Founder of Green Retirement, Inc., employs a personalized and mission-driven approach to client servicing. With extensive experience in the financial services industry and deep expertise in retirement planning, Green Retirement, Inc. serves businesses, nonprofits, and individuals with an emphasis on socially responsible and […]
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 […]
Cheryl Morrison Deutsch Joins 401GO as Chief Experience Officer
SANDY, Utah–(BUSINESS WIRE)–Leading tech-forward 401(k) retirement plan provider 401GO announced the appointment of Cheryl Morrison Deutsch as Chief Experience Officer (CXO). In that role, Morrison Deutsch will lead the creation of a long-term, mission-focused strategy for aligning the needs of 401GO’s diverse set of users and partners with the company’s products and technology. She brings […]
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 […]
Your Guide to Key 401(k) Responsibilities and How to Make It Easy
If you’re thinking about offering a 401(k) plan to your employees, you’re already on the path to being a workplace hero. But let’s be real—sponsoring a 401(k) comes with some serious responsibilities. Don’t worry, though! I’m here to break down 7 key areas you need to know about in a way that’s easy to digest, […]
Stan Smith Speaks on 401KSpecialist Podcast
CGO at 401GO Stan Smith recently spoke on 401(k) Specialist Podcast about the exciting landscape of the small-to-medium-sized business (SMB) market. As government mandates and employee expectations for workplace benefits rise, the SMB market is a place of great innovation. Listen as Smith shares his insights on what’s driving change in the retirement industry and […]
Effective Prospecting Techniques for Advisors
Let’s be honest, prospecting is draining. Cold calling, chasing leads that ghost you, and resorting to the “spray and pray” approach isn’t exactly what most people look forward to. The good news is that finding new business doesn’t have to feel like a mission. Having a structured approach can make prospecting a lot easier and […]