ACG Blog

Conservative investors have probably been frustrated recently. The S&P 500 index of stocks returned a strong 3.70% in November. With a month left to go and the stock index up 9.79% for the year, it’s shaping up to be a good year for the stock mar...

Note: This article was published in 2016. The SECURE 2.0 Act of 2022 made changes to certain rules relating to family attribution. As such, some information in this article may be outdated. When you own a business and sponsor a qualified retirement p...

401(k) plan fees and expenses are a fact of life for plan sponsors and participants. Like any service provider, 401(k) providers must be compensated for their services. This compensation comes in the form of 401(k) plan fees.

Part 2 of a 2 part series. In our last blog, we described how the shift from defined benefit pension plans to defined contribution plans like 401(k)s has shifted primary responsibility for retirement savings from employers to employees. However, rese...

Part 1 of a 2 part series. A drastic shift has taken place over the past couple of decades when it comes to how Americans prepare financially for retirement. In short, the primary responsibility for retirement savings has shifted from employers to em...

Under the controlled group rules, two or more business entities with common ownership are to be treated as a single employer for qualified retirement plan purposes. A company sponsoring a retirement plan may need to provide those same benefits for em...

Autumn is here, which means leaves are changing color, football season is in full swing, and it’s time for government agencies to release new retirement plan limits for the upcoming year.

The choice of a retirement plan advisor is one of the most important decisions you will make as a plan sponsor. Choosing the right retirement plan advisor will greatly increase the chances that your plan is successful in helping both your company and...

Qualified retirement plans like 401(k) plans encourage employees to save money for their own retirement by giving them a current tax break if they participate in their employer’s plan and make contributions to their 401(k) account. Specifically, empl...

Age 62 is the earliest a worker may begin collecting Social Security retirement benefits. Is that the best age to start, or is it better to wait until the “full” Social Security retirement age (now 66) or perhaps even later? Let’s take a look at some...