ACG Blog

January 11 2018

Best New Year's Resolution for Retirement Savings

I don’t know about you, but it’s hard for me to believe that it’s a new year already. Where did 2017 go? A client recently asked me if I could recommend one piece of advice for retirement savings in the New Year, what would it be? My overwhelming res...

January 03 2018

Investor Insights: January 2018

See our recap of December's key statistics and market commentary below.

December 20 2017

Investment Considerations for Cash Balance Plans

Cash balance plans have gained in popularity over the last number of years because of the tax savings opportunities available to high-earning business owners and executives. Cash balance plans offer characteristics of both defined contribution plans,...

December 13 2017

The Myth of the Rule of Parity, or, Why Rehires Must Immediately Re-Enter the 401(k) Plan

Suppose someone works at a company, participates in the 401(k) plan, leaves the company for a number of years, and then is rehired.  Does the employee re-enter the 401(k) right away, or does he need to wait a period of time like a brand new employee ...

December 06 2017

What You Need to Know About Investing in Bitcoin

There’s a good chance that you’ve heard of Bitcoin before. In fact, lately, there’s a good chance you can’t avoid hearing about it. As its price has skyrocketed over 1,000 percent in 2017, with much of those gains in just the past few months, Bitcoin...

December 04 2017

Investor Insights: December 2017

See our recap of November's key statistics and market commentary to help guide your investment decisions. 

November 29 2017

What You Need to Understand About Risk Tolerance and Time Horizon

When deciding how to invest your money, the most important question is, “How much risk should I take?” Your answer can mean the difference between meeting your goals—for example, retiring when and how you want—and falling short of them. Unfortunately...

November 22 2017

Charging Fees to Terminated Plan Participants Okay in Some Cases

When an employee leaves a small company, the expectation is that he will withdraw his 401(k) money at the same time.  While former employees of larger companies often leave their 401(k) money in the plan until retirement, small companies have less to...

November 15 2017

Why a Strategic Asset Allocation is Important

An investor’s strategic asset allocation is an investment portfolio’s target mix of different asset categories. Generally, a strategic asset allocation will be rebalanced, commonly annually, to ensure the current investment allocation is not signific...

November 08 2017

Top-Paid Group Election for HCEs May Help Plan Compliance Testing

Not everybody is familiar with precise definitions of pension terms like Highly Compensated Employee, but most of us would agree that someone with an annual salary of $500,000 sounds like an HCE.  In most cases, we’d be right.  But there is one insta...