April 18 2018

How Donors Can Leverage the IRA Qualified Charitable Distribution for Smart Financial Giving and Harness the Impact of the 2017 Tax Cuts and Jobs Act

With the passage of the 2017 Tax Cuts and Jobs Act (TCJA), there are changes that impact charitable giving. More specifically, individual donors and nonprofits can leverage TCJA to make smarter philanthropic contributions with the Qualified Charitabl...

April 11 2018

Avoid the ADP Test with a Safe Harbor 401(k) Plan

The  ADP test  for 401(k) plans is like a mosquito:  it is annoying and has no known benefit to society.  The worst outcome of a failed ADP test is you have to  refund  excess contributions to  Highly Compensated Employees .  At a minimum, you’ve was...

April 04 2018

How to Avoid 401(k) Administration Mistakes

Here’s a public service announcement for all plan sponsors of 401(k)s.  Remember the quote from "Jerry Maguire," “Help me help you?”  It’s been 22 years since that movie, but it still holds true today. Third party administrators (TPAs) are the people...

April 02 2018

Investor Insights - April 2018

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

March 28 2018

Simple Investment Lesson Worth Repeating

November 2017 marked the ten-year anniversary of the beginning of the bear market associated with the Great Financial Crisis (GFC). Since the end of that bear market in March 2009, investors have more or less had an enjoyable and profitable ride in t...

March 21 2018

Money Conversations to Have With Your Children

Recently our son declared to his mother that she had not bought him candy when he was little.  Surprised, my wife found objection to his statement saying, “I bought you candy.”  Our son recalled going through the checkout line and not being able to e...

March 14 2018

The Good, The Bad and Maybe The Unknown About Target Date Funds

The Good Over the past decade the U.S. Target-Date mutual fund category has grown from under $200 billion in assets to over $880 billion as of the end of 2016. These types of investments address the “misallocation” risk that many 401(k) plan particip...

March 07 2018

If You Defer Too Much in a 401(k), Your Money Will Be Cheerfully Refunded

When an employee contributes too much to a 401(k) plan, a common fix is for the excess amount to be refunded to the employee. The technical term for this kind of refund is “corrective distribution.” At this time of year, plan sponsors may be scrambli...

March 01 2018

Investor Insights - March 2018

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

February 21 2018

How Can I Determine My Risk Tolerance?

2018 has already surpassed 2017 when it comes to volatility in the stock market. Last year’s market was about as exciting as the Olympic qualifier for Curling, and this year is feeling more like an Alpine Ski Race at breakneck speeds. Now that invest...