August 19 2020

RMDs Aren’t Required in 2020

You may recall that the CARES Act says required minimum distributions (RMDs) don’t have to be taken in 2020 from IRAs and many employer retirement plans. This seems like a pretty simple concept, but it’s not. There were a number of unanswered questio...

July 08 2020

IRS Issues Further Details on Distributions and Plan Loans Under CARES Act

The CARES Act, signed into law on March 27, 2020, allows employees affected by COVID-19 greater access to money set aside for them in employer retirement plans.  As often happens, many details of this new law were not immediately clear.  We found our...

January 30 2020

What You Need to Know About the SECURE Act

By now you have likely heard about the SECURE Act recently passed by Congress. The Setting Every Community Up for Retirement Enhancement (SECURE) Act will increase access to workplace retirement plans and expand retirement savings, but what provision...

December 26 2019

Five Best Practices to Protect Your Retirement Nest Egg from Cybertheft

I remember when I was 10, there was no such thing as a debit card. In fact, growing up in the ‘80s meant no internet, no PayPal, no direct deposit or any type of remote banking. While they make things extremely efficient and easy for us, these techno...

December 18 2019

Which Account Should You Tap First When You Begin to Draw Retirement Income?

Congratulations on your retirement. You’ve been preparing for this moment over the course of multiple decades, saving and investing as you should in order to live your retirement years on your own terms. You’ve just received your final paycheck, and ...

December 11 2019

The Pros and Cons of the Elapsed Time Method

Qualified retirement plans have a number of weird rules.  One of them is that sometimes one year doesn’t equal a year.  For instance, under the traditional hours of service crediting method, an employee can earn a year of vesting service in as little...

November 20 2019

The Stock Market’s at an All-Time High - Is Now the Time to Invest?

Buying low and selling high is easier said than done. Fear, greed, an inflated sense of forecasting and other biases constantly muddle the decisions of experts and novices alike. And yet, there’s a frequent scenario in which many investors adhere to ...

July 17 2019

What You Need to Know About Interval Funds

The investment industry is constantly evolving to bring investors unique ways of enhancing their portfolios. One of the more exciting evolutions in recent years is the advent of vehicles called interval funds. This blog will introduce you to the conc...

February 20 2019

Convertible Arbitrage - What Is It and Why Should You Care?

When the stock market is late into a bull-cycle and bond yields aren’t providing enough income, investors are often left wondering where to turn. There are a number of solutions that ACG likes to include in its clients’ portfolios, and one of those s...

August 08 2018

What You Need to Know About the 2- and 10-year Spread

If you are a regular consumer of financial media, or if you get your pulse on the market from our monthly Investor Insights newsletter, you have probably seen mention of an indicator called the 2- and 10-year spread. The spread has been a recurring t...