--- title: ACG Blog description: ACG Blog --- [![acg-logo-header.png](https://blog.acgworldwide.com/hs-fs/hubfs/acg-logo-header.png?width=123&name=acg-logo-header.png "acg-logo-header.png")](http://www.acgworldwide.com/) - [Who We Are](http://www.acgworldwide.com/about-acg/) - [Selected Staff Bios](http://www.acgworldwide.com/selected-staff-bios/) - [Culture and Philosophy](http://www.acgworldwide.com/culture-and-philosophy/) - [Advisory Board Members](http://www.acgworldwide.com/advisory-board-members/) - [What We Do](http://www.acgworldwide.com/our-services/) - [Wealth Management](http://www.acgworldwide.com/wealth-management/) - [Investment Advisory](http://www.acgworldwide.com/investment-advisory-services/) - [Third Party Administration](http://www.acgworldwide.com/third-party-administration/) - [Retirement Plan Consulting](http://www.acgworldwide.com/401k/) - [Financial Planning Services](http://www.acgworldwide.com/financial-planning-services/) - [Tax Strategies](http://www.acgworldwide.com/tax-strategies/) - [Who We Help](http://www.acgworldwide.com/our-clients/) - [Businesses](http://www.acgworldwide.com/businesses/) - [Entrepreneurs](http://www.acgworldwide.com/entrepreneurs/) - [Individuals and Families](http://www.acgworldwide.com/successful-individuals-and-families/) - [Foundations and Endowments](http://www.acgworldwide.com/foundations-and-endowments/) - [Press & Resources](http://www.acgworldwide.com/acg-live/) - [Blog](http://www.acgworldwide.com/blog/) - [Company News](http://www.acgworldwide.com/company-news/) - [CBS 6 News Market Briefs](http://www.acgworldwide.com/company-news/bill-fitzgerald-of-cbs-6-news-interviews-with-sandy-wiggins/) - [Monthly Investor Insights](https://blog.acgworldwide.com/topic/monthly-insights) - [Quarterly Commentary](http://www.acgworldwide.com/commentary/) - [Cost of Living Adjustments](http://www.acgworldwide.com/colas-and-limits/) - [Important Disclosures](http://www.acgworldwide.com/acg-live/website-disclosure/) - [Contact Us](http://www.acgworldwide.com/contact-us/) [![Richmond Virginia](https://blog.acgworldwide.com/hs-fs/hubfs/ACG_June2016/images/ACGLogo_KOHi.png?width=280&height=112&name=ACGLogo_KOHi.png "Richmond Virginia")](http://www.acgworldwide.com/) ![banner2.jpg](https://blog.acgworldwide.com/hs-fs/hubfs/ACG_June2016/images/banners/banner2.jpg?width=810&name=banner2.jpg "banner2.jpg") # ACG Blog ## [Beer Markets: Interest Rates, Earnings, & Consumer Spending](https://blog.acgworldwide.com/beer-markets-episode10) ## [Investor Insights -October 2023](https://blog.acgworldwide.com/investor-insights-2023-october) ## [Beer Markets: UAW Strike's Effect on the Economy](https://blog.acgworldwide.com/beer-markets-episode9) ## [Investor Insights -September 2023](https://blog.acgworldwide.com/investor-insights-2023-august-0) ## [Beer Markets: U.S. Credit Rating Downgrade](https://blog.acgworldwide.com/beer-markets-episode8) ## [Investor Insights -August 2023](https://blog.acgworldwide.com/investor-insights-2023-august) ## [Investor Insights -July 2023](https://blog.acgworldwide.com/investor-insights-2023-july) ## [Beer Markets: Breaking Down the Fed Pause](https://blog.acgworldwide.com/beer-markets-episode2-0-0-0-0) ## [Investor Insights -June 2023](https://blog.acgworldwide.com/investor-insights-2023-june) ## [Beer Markets: More Like Dull Markets](https://blog.acgworldwide.com/beer-markets-episode2-0-0-0) ## [Investor Insights -May 2023](https://blog.acgworldwide.com/investor-insights-2023-may) ## [Beer Markets: Housing Market, The Fed, & Earnings Expectations](https://blog.acgworldwide.com/beer-markets-episode2-0-0) ## [Investor Insights - April 2023](https://blog.acgworldwide.com/investor-insights-2023-march-0) ## [Contribution Options for Small Cash Balance and Defined Benefit Plans](https://blog.acgworldwide.com/contribution-options-for-small-cash-balance-and-defined-benefit-plans) ## [Beer Markets: Banking Concerns, Jobs Report, & More](https://blog.acgworldwide.com/beer-markets-episode2-0) ## [Investor Insights - March 2023](https://blog.acgworldwide.com/investor-insights-2023-march) ## [Beer Markets Podcast: ChatGPT, CPI, & More](https://blog.acgworldwide.com/beer-markets-episode2) ## [Investor Insights - February 2023](https://blog.acgworldwide.com/investor-insights-2023-february) ## [SECURE 2.0: Lots (and Lots) of New Retirement Plan Rules](https://blog.acgworldwide.com/secure-2.0-lots-and-lots-of-new-retirement-plan-rules) ## [Introducing ACG's New Podcast: Beer Markets](https://blog.acgworldwide.com/introducing-acgs-new-podcast-beer-markets) ## [Investor Insights - January 2023](https://blog.acgworldwide.com/investor-insights-2023-january) ## [Terminated 401(k) Plans and the “12-Month Rule”](https://blog.acgworldwide.com/terminated-401k-plans-and-the-12-month-rule) ## [Investor Insights - December 2022](https://blog.acgworldwide.com/investor-insights-2022-december) ## [A Guide to SIMPLE IRAs and 401(k)s for TPAs](https://blog.acgworldwide.com/a-guide-to-simple-iras-and-401ks-for-tpas) ## [Investor Insights - November 2022](https://blog.acgworldwide.com/investor-insights-2022-november) ## [Qualified Plan and Social Security Limits to Rise by Record Amounts in 2023](https://blog.acgworldwide.com/qualified-plan-and-social-security-limits-to-rise-by-record-amounts-in-2023) ## [CEO Sandy Wiggins Joins CBS 6 to Speak about Current Market Volatility](https://blog.acgworldwide.com/ceo-sandy-wiggins-current-volatility) ## [Investor Insights - October 2022](https://blog.acgworldwide.com/investor-insights-2022-october) ## [Investor Insights - September 2022](https://blog.acgworldwide.com/investor-insights-2022-august-0) ## [Investor Insights - August 2022](https://blog.acgworldwide.com/investor-insights-2022-august) ## [Investor Insights - July 2022](https://blog.acgworldwide.com/investor-insights-2022-july) ## [Investor Insights - June 2022](https://blog.acgworldwide.com/investor-insights-2022-june) ## [Which Plan Design is Right for You?](https://blog.acgworldwide.com/which-plan-design-is-right-for-you) ## [Investor Insights - May 2022](https://blog.acgworldwide.com/investor-insights-2022-may) ## [Are You Using the Right Investment Vehicle?](https://blog.acgworldwide.com/are-you-using-the-right-investment-vehicle) ## [Investor Insights - April 2022](https://blog.acgworldwide.com/investor-insights-2022-april) ## [What is Tax-Loss Harvesting? How Can it Help Reduce Your Tax Drag?](https://blog.acgworldwide.com/what-is-tax-loss-harvesting) ## [Investor Insights - March 2022](https://blog.acgworldwide.com/investor-insights-2022-february-0) ## [Buying the Dip: Making Qualified Plan Contributions Early](https://blog.acgworldwide.com/buying-the-dip-making-qualified-plan-contributions-early) ## [Investor Insights - February 2022](https://blog.acgworldwide.com/investor-insights-2022-february) ## [CLIENT CASE STUDY: ACG Provides a Basic Safe Harbor Match 401(k) Plan for a Fast-Growing Construction Firm](https://blog.acgworldwide.com/case-study-reducing-tax-drag-for-a-family-owned-construction-company) ## [CEO Sandy Wiggins Speaks on "The Great Resignation"](https://blog.acgworldwide.com/ceo-sandy-wiggins-speaks-on-the-great-resignation) ## [Inherited a Retirement Account Recently? Here’s Why You Need to Know About the New 10-year Rule.](https://blog.acgworldwide.com/inherited-a-retirement-account-recently-heres-why-you-need-to-know-about-the-new-10-year-rule) ## [Investor Insights - January 2022](https://blog.acgworldwide.com/investor-insights-2021-december) ## [Investor Insights - December 2021](https://blog.acgworldwide.com/investor-insights-2021-1-0-0may-0-0-0-0-0-1) ## [Big Jump for Qualified Plan Limits and Social Security in 2022](https://blog.acgworldwide.com/big-jump-for-qualified-plan-limits-and-social-security-in-2022) ## [Investor Insights - November 2021](https://blog.acgworldwide.com/investor-insights-2021-1-0-0may-0-0-0-0-0) ## [Ten Pension Terms That Make You Go Hmmmm...](https://blog.acgworldwide.com/ten-pension-terms-that-make-you-go-hmmmm) ## [2021 ASPPA Conference](https://blog.acgworldwide.com/2021-asppa-conference) ## [Investor Insights - October 2021](https://blog.acgworldwide.com/investor-insights-2021-1-0-0may-0-0-0-0) ## [Investor Insights - September 2021](https://blog.acgworldwide.com/investor-insights-2021-1-0-0may-0-0-0) ## [No 2020 Form 5500 Needed for Retroactive Qualified Plans](https://blog.acgworldwide.com/no-2020-form-5500-needed-for-retroactive-qualified-plans) ## [Investor Insights - August 2021](https://blog.acgworldwide.com/investor-insights-2021-1-0-0may-0-0) ## [Investor Insights - July 2021](https://blog.acgworldwide.com/investor-insights-2021-1-0-0may-0) ## [Investor Insights - June 2021](https://blog.acgworldwide.com/investor-insights-2021-1-0-0may) ## [RMDs for Beneficiaries in Qualified Retirement Plans](https://blog.acgworldwide.com/rmds-for-beneficiaries-in-qualified-retirement-plans) ## [Investor Insights - May 2021](https://blog.acgworldwide.com/investor-insights-april-2021-1) ## [Catch-Up Contributions: A Good Thing for Both Men and Women](https://blog.acgworldwide.com/catch-up-contributions-a-good-thing-for-both-men-and-women) ## [Investor Insights - April 2021](https://blog.acgworldwide.com/investor-insights-april-2021) ## [Did you pay back your RMD last year? Make sure your CPA knows.](https://blog.acgworldwide.com/did-you-pay-back-your-rmd-last-year-make-sure-your-cpa-knows) ## [Investor Insights - March 2021](https://blog.acgworldwide.com/investor-insights-march-2021) ## [Investor Insights - February 2021](https://blog.acgworldwide.com/investor-insights-february-2021) ## [Investor Insights - January 2021](https://blog.acgworldwide.com/investor-insights-january-2021) ## [Mega Backdoor Roth IRA: A Neat Idea that Rarely Works](https://blog.acgworldwide.com/mega-backdoor-roth-ira-a-neat-idea-that-rarely-works) ## [Investor Insights - December 2020](https://blog.acgworldwide.com/investor-insights-december-2020) ## [When It’s a Mistake to Call Something a “Mistake of Fact”](https://blog.acgworldwide.com/when-its-a-mistake-to-call-something-a-mistake-of-fact) ## [Investor Insights - November 2020](https://blog.acgworldwide.com/investor-insights-november-2020) ## [Out with 2020, In with the 2021 Retirement Plan Rates and Limits](https://blog.acgworldwide.com/out-with-2020-in-with-the-2021-retirement-plan-rates-and-limits) ## [Top 10 Items Discuss with Your 401(k) Provider](https://blog.acgworldwide.com/top-10-items-discuss-with-your-401k-provider) ## [Investor Insights - October 2020](https://blog.acgworldwide.com/investor-insights-october-2020) ## [Asset Allocation: Planning For an Uncertain Future](https://blog.acgworldwide.com/asset-allocation-planning-for-an-uncertain-future) ## [Investor Insights - September 2020](https://blog.acgworldwide.com/investor-insights-september-2020-) ## [RMDs Aren’t Required in 2020](https://blog.acgworldwide.com/rmds-arent-required-in-2020) ## [Investor Insights - August 2020](https://blog.acgworldwide.com/investor-insights-august-2020) ## [IRS Issues Further Details on Distributions and Plan Loans Under CARES Act](https://blog.acgworldwide.com/irs-issues-further-details-on-distributions-and-plan-loans-under-cares-act) ## [Investor Insights - July 2020](https://blog.acgworldwide.com/investor-insights-july-2020) ## [401(k) Plan Design, Employee Engagement and Corporate Financial Performance](https://blog.acgworldwide.com/401k-plan-design-employee-engagement-and-corporate-financial-performance) ## [Last Recipient of a Civil War Pension Dies Recently at 90](https://blog.acgworldwide.com/last-recipient-of-a-civil-war-pension-dies-recently-at-90) ## [Understanding Your Role as a 401(k) Plan Sponsor: Am I a Fiduciary?](https://blog.acgworldwide.com/understanding-your-role-as-a-401k-plan-sponsor) ## [Investor Insights - June 2020](https://blog.acgworldwide.com/investor-insights-jun-2020) ## [What You Might Have Missed - Our COVID-19 Insights](https://blog.acgworldwide.com/what-you-might-have-missed-covid-19) ## [Investor Insights - May 2020](https://blog.acgworldwide.com/investor-insights-may-2020) ## [Coronavirus and Defined Benefit Plan Funding](https://blog.acgworldwide.com/coronavirus-and-defined-benefit-plan-funding) ## [Investor Insights - April 2020](https://blog.acgworldwide.com/investor-insights-march-2020) ## [Options for Accessing Retirement Plan Money Amid COVID-19 Outbreak](https://blog.acgworldwide.com/options-for-accessing-retirement-plan-money-amid-covid-19-outbreak) ## [Investor Insights - March 2020](https://blog.acgworldwide.com/investor-insights-february) ## [Why Did We Fail Our ADP Test?](https://blog.acgworldwide.com/why-did-we-fail-our-adp-test) ## [Issues with Independent Contractors and Pension Plans](https://blog.acgworldwide.com/issues-with-independent-contractors-and-pension-plans) ## [Investor Insights - February 2020](https://blog.acgworldwide.com/investor-insights-january-2020-0) ## [What You Need to Know About the SECURE Act](https://blog.acgworldwide.com/five-best-practices-to-protect-your-retirement-nest-egg-from-cybertheft-0) ## [Investor Insights - January 2020](https://blog.acgworldwide.com/investor-insights-january-2020) ## [Five Best Practices to Protect Your Retirement Nest Egg from Cybertheft](https://blog.acgworldwide.com/five-best-practices-to-protect-your-retirement-nest-egg-from-cybertheft) ## [Which Account Should You Tap First When You Begin to Draw Retirement Income?](https://blog.acgworldwide.com/which-account-should-you-tap-first) ## [The Pros and Cons of the Elapsed Time Method](https://blog.acgworldwide.com/the-pros-and-cons-of-the-elapsed-time-method) ## [What You Might Have Missed - October and November 2019](https://blog.acgworldwide.com/what-you-might-have-missed-march-2019-0-0-1-0) ## [Investor Insights - December 2019](https://blog.acgworldwide.com/investor-insights-december-2019) ## [The Stock Market’s at an All-Time High - Is Now the Time to Invest?](https://blog.acgworldwide.com/the-stock-markets-at-an-all-time-high-is-now-the-time-to-invest) ## [New Qualified Plan Limits and Social Security Adjustments for 2020 Announced](https://blog.acgworldwide.com/qualified-plan-ira-social-security-limits-2020) ## [Investor Insights - November 2019](https://blog.acgworldwide.com/investor-insights-november-2019) ## [What Is the REAL Deadline for Making Plan Contributions?](https://blog.acgworldwide.com/what-is-the-real-deadline-for-making-plan-contributions) ## [What You Might Have Missed - August & September 2019](https://blog.acgworldwide.com/what-you-might-have-missed-march-2019-0-0-1) ## [Investor Insights - October 2019](https://blog.acgworldwide.com/investor-insights-october-2019) ## [Three Things You Should Be Doing as a Plan Sponsor](https://blog.acgworldwide.com/three-things-you-should-be-doing-as-a-plan-sponse) ## [Investor Insights - September 2019](https://blog.acgworldwide.com/investor-insights-september-2019-0-0-0) ## [How to Fix a Participant Loan](https://blog.acgworldwide.com/how-to-fix-a-participant-loan) ## [Investor Insights - August 2019](https://blog.acgworldwide.com/investor-insights-august-2019-0-0) ## [What You Need to Know About Interval Funds](https://blog.acgworldwide.com/guide-to-interval-funds) ## [When Cross-Tested Plans Become Integrated Plans](https://blog.acgworldwide.com/when-cross-tested-plans-become-integrated-plans) ## [Investor Insights - July 2019](https://blog.acgworldwide.com/investor-insights-july-2019-0) ## [Understanding Option Collars](https://blog.acgworldwide.com/understanding-option-collars) ## [Participant Loan Basics](https://blog.acgworldwide.com/participant-loan-basics) ## [401(k) Word Search](https://blog.acgworldwide.com/401-k-fun-word-search) ## [Investor Insights - June 2019](https://blog.acgworldwide.com/investor-insights-june-2019) ## [What You Might Have Missed - May 2019](https://blog.acgworldwide.com/what-you-might-have-missed-march-2019-0-0) ## [Balanced Nutrition for Your Retirement Fund Portfolio](https://blog.acgworldwide.com/balanced-nutrition-for-your-retirement-fund-portfolio) ## [Does Equity Index Put Writing Belong In Your Asset Allocation?](https://blog.acgworldwide.com/equity-put-writing-belong-your-asset-allocation) ## [What to Know about Your 401(k) Plan](https://blog.acgworldwide.com/what-to-know-your-401k-plan) ## [Investor Insights - May 2019](https://blog.acgworldwide.com/investor-insights-april-04-2019-0-0-2-0-0-0-0-0) ## [IRS Reverses Position on Retiree Lump Sum Windows](https://blog.acgworldwide.com/irs-reverses-position-retiree-lump-sum-windows) ## [Traditional 401(k) Versus Roth 401(k)](https://blog.acgworldwide.com/roth-401k-versus-traditional-401k) ## [Investor Insights - April 2019](https://blog.acgworldwide.com/investor-insights-april-04-2019-0-0-2-0-0-0-0) ## [What You Might Have Missed - March 2019](https://blog.acgworldwide.com/what-you-might-have-missed-march-2019-0) ## [Considerations Before Excluding Bonuses in 401(k)](https://blog.acgworldwide.com/revised-considerations-before-excluding-bonuses-401k) ## [Six Easy Ways to Save AND Have a Life](https://blog.acgworldwide.com/six-easy-ways-to-save-and-have-a-life) ## [Investor Insights - March 2019](https://blog.acgworldwide.com/investor-insights-march-03-2019-0-0-2-0-0-0) ## [What You Might Have Missed - February 2019](https://blog.acgworldwide.com/what-you-might-have-missed-february-2019) ## [Convertible Arbitrage - What Is It and Why Should You Care?](https://blog.acgworldwide.com/convertible-arbitrage) ## [Deadlines for 401(k) Contributions and How to Fix Late Deposits](https://blog.acgworldwide.com/401k-contribution-deadlines-how-to-fix-late-deposits) ## [Emotions and Money - An Uneasy Marriage](https://blog.acgworldwide.com/emotions-and-money) ## [Investor Insights - February 2019](https://blog.acgworldwide.com/investor-insights-february-02-2019-0-0-2-0-0) ## [A History of Bear Markets](https://blog.acgworldwide.com/history-bear-markets) ## [What Is a Cash Balance Plan?](https://blog.acgworldwide.com/what-is-cash-balance-plan) ## [Investor Insights - January 2019](https://blog.acgworldwide.com/investor-insights-december-01-2019-0-0-2-0) ## [What You Might Have Missed - December 2018](https://blog.acgworldwide.com/what-you-might-have-missed-october-november-2018-0-0-0) ## [Enhance Your Personal Legacy Through a Donor Advised Fund](https://blog.acgworldwide.com/enhance-your-personal-legacy-donor-advised-fund) ## [What’s the Big Change with 401(k) Hardships?](https://blog.acgworldwide.com/whats-big-change-401k-hardships) ## [Investor Insights - December 2018](https://blog.acgworldwide.com/investor-insights-december-01-2018-0-0-2-0) ## [What You Might Have Missed - October & November 2018](https://blog.acgworldwide.com/what-you-might-have-missed-october-november-2018-0-0) ## [A Few Nuggets of Wisdom on Pot Stocks](https://blog.acgworldwide.com/nuggets-of-wisdom-pot-stocks) ## [Can You Have a Maximum DB Plan Without Much Current Compensation? Yes, SIR!](https://blog.acgworldwide.com/maximum-db-plan-without-much-compensation-yes-sir) ## [Qualified Plan, IRA and Social Security Limits Announced for 2019](https://blog.acgworldwide.com/qualified-plan-ira-social-security-limits-2019) ## [Investor Insights - November 2018](https://blog.acgworldwide.com/investor-insights-november-01-2018-0-0-2) ## [Which Is It? Pay Less Taxes, Spend More Time with the Love of Your Life or Both?](https://blog.acgworldwide.com/participant-loans-are-they-right-for-your-plan-0) ## [Participant Loans: Are They Right for Your Plan?](https://blog.acgworldwide.com/participant-loans-are-they-right-for-your-plan-) ## [Investor Insights - October 2018](https://blog.acgworldwide.com/investor-insights-october-01-2018-0-0) ## [What You Might Have Missed - August & September 2018](https://blog.acgworldwide.com/what-you-might-have-missed-august-september-2018-0) ## [Is Your Employer Cheating You on Your Pension Lump Sum?](https://blog.acgworldwide.com/is-your-employer-cheating-you-on-your-pension-lump-sum) ## [Want to Save for Education Expenses? Open up a 529 Plan Account.](https://blog.acgworldwide.com/open-up-529-plan-account) ## [Investor Insights - September 2018](https://blog.acgworldwide.com/investor-insights-september-01-2018-0) ## [Longest Bull Market:  How Long Can It Go?](https://blog.acgworldwide.com/longest-bull-market-how-long-can-it-go) ## [Make Defined Benefit Plan Contributions By September 15, 2018 Even Though It’s a Saturday](https://blog.acgworldwide.com/make-defined-benefit-plan-contributions-by-september-15-2018) ## [What You Need to Know About the 2- and 10-year Spread](https://blog.acgworldwide.com/what-you-need-to-know-about-2-and-10-year-spread) ## [Investor Insights - August 2018](https://blog.acgworldwide.com/investor-insights-august-01-2018) ## [Vesting Rules Determine How Much of Your Retirement Account You Own](https://blog.acgworldwide.com/vesting-rules-determine-how-much-of-your-retirement-account-you-own) ## [Three Easy Steps to Reducing Your Financial Anxiety in Retirement](https://blog.acgworldwide.com/three-easy-steps-to-reducing-your-financial-anxiety-in-retirement) ## [Investor Insights - July 2018](https://blog.acgworldwide.com/investor-insights-july-2018-07-01-1-0-0-0) ## [What You Might Have Missed This Month - June 2018](https://blog.acgworldwide.com/what-you-might-have-missed-in-may-0) ## [Deductible Limits for Defined Benefit and Combo Plans](https://blog.acgworldwide.com/deductible-limits-for-defined-benefit-and-combo-plans) ## [Deductible Employer Contribution Limits in 401(k)s and Other Defined Contribution Plans](https://blog.acgworldwide.com/deductible-employer-contribution-limits-in-401ks-and-other-defined-contribution-plans) ## [Shouldn't the Discussion About Fiduciary Obligation Include the Quality of Services and Performance ... and Not Solely Be About Fees](https://blog.acgworldwide.com/discussion-about-fiduciary-obligation) ## [Investor Insights - June 2018](https://blog.acgworldwide.com/investor-insights-june-2018-06-01-1-0-0) ## [What the Heck is a TPA ... and Why Do You Need One?](https://blog.acgworldwide.com/what-the-heck-is-a-tpa...-and-why-do-you-need-one) ## [Get a Fidelity Bond to Insure against Fraud and Dishonesty – and Because It’s the Law](https://blog.acgworldwide.com/fidelity-bond-to-insure-against-fraud-and-dishonesty-because-its-the-law) ## [Investor Insights - May 2018](https://blog.acgworldwide.com/investor-insights-may-2018-05-01-1-0) ## [Advice for How to Get Your Financial House in Order](https://blog.acgworldwide.com/advice-how-to-get-your-financial-house-in-order) ## [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](https://blog.acgworldwide.com/smart-financial-giving) ## [Avoid the ADP Test with a Safe Harbor 401(k) Plan](https://blog.acgworldwide.com/avoid-the-adp-test-with-safe-harbor-401k-plan) ## [How to Avoid 401(k) Administration Mistakes](https://blog.acgworldwide.com/how-to-avoid-401k-administration-mistakes) ## [Investor Insights - April 2018](https://blog.acgworldwide.com/investor-insights-april-2018-04-02-1) ## [Simple Investment Lesson Worth Repeating](https://blog.acgworldwide.com/simple-investment-lesson-worth-repeating-to-reduce-investment-risk) ## [Money Conversations to Have With Your Children](https://blog.acgworldwide.com/money-conversations-to-have-with-your-children) ## [The Good, The Bad and Maybe The Unknown About Target Date Funds](https://blog.acgworldwide.com/good-bad-and-unknown-target-date-funds) ## [If You Defer Too Much in a 401(k), Your Money Will Be Cheerfully Refunded](https://blog.acgworldwide.com/if-you-defer-too-much-in-a-401k-your-money-will-be-cheerfully-refunded) ## [Investor Insights - March 2018](https://blog.acgworldwide.com/investor-insights-march-2018-03-01) ## [How Can I Determine My Risk Tolerance?](https://blog.acgworldwide.com/how-can-i-determine-my-risk-tolerance) ## [Like It or Not, Here Are the ABCs of ADP Testing](https://blog.acgworldwide.com/like-it-or-not-here-are-the-abcs-of-adp-testing) ## [How to Get Financially Fit in 2018](https://blog.acgworldwide.com/compensation-whats-in-a-name-2) ## [Investor Insights - February 2018](https://blog.acgworldwide.com/investor-insights-february-2018-0-0-0) ## [Compensation: What's in a Name?](https://blog.acgworldwide.com/compensation-whats-in-a-name) ## [Best New Year's Resolution for Retirement Savings](https://blog.acgworldwide.com/best-new-years-resolution-for-retirement-savings) ## [Investor Insights: January 2018](https://blog.acgworldwide.com/investor-insights-january-2018-0) ## [Investment Considerations for Cash Balance Plans](https://blog.acgworldwide.com/investment-considerations-cash-balance-plans) ## [The Myth of the Rule of Parity, or, Why Rehires Must Immediately Re-Enter the 401(k) Plan](https://blog.acgworldwide.com/the-myth-of-the-rule-of-parity) ## [What You Need to Know About Investing in Bitcoin](https://blog.acgworldwide.com/should-you-invest-in-bitcoin) ## [Investor Insights: December 2017](https://blog.acgworldwide.com/investor-insights-december-2017-0-0) ## [What You Need to Understand About Risk Tolerance and Time Horizon](https://blog.acgworldwide.com/what-you-need-to-understand-about-risk-tolerance-and-time-horizon) ## [Charging Fees to Terminated Plan Participants Okay in Some Cases](https://blog.acgworldwide.com/charging-fees-to-terminated-plan-participants-okay-in-some-cases) ## [Why a Strategic Asset Allocation is Important](https://blog.acgworldwide.com/why-a-strategic-asset-allocation-is-important-blog) ## [Top-Paid Group Election for HCEs May Help Plan Compliance Testing](https://blog.acgworldwide.com/top-paid-group-election-for-hces-may-help-plan-compliance-testing) ## [IRS, PBGC, SSA Release 2018 Cost-of-Living Increases](https://blog.acgworldwide.com/irs-pbgc-ssa-release-2018-cost-of-living-increases) ## [The Potential Impact of Sequence of Returns Risk](https://blog.acgworldwide.com/potential-impact-of-sequence-of-returns-risk) ## [Investor Insights: October 2017](https://blog.acgworldwide.com/investor-insights-october-2017) ## [What You Need to Know Before Adopting a 401(k) Plan](https://blog.acgworldwide.com/what-you-need-to-know-before-adopting-a-401k-plan) ## [Three Quick Tips to Make Your Wealth Last in Retirement](https://blog.acgworldwide.com/three-quick-tips-to-make-your-wealth-last-in-retirement) ## [Investor Insights: September 2017](https://blog.acgworldwide.com/investor-insights-september-2017) ## [Rising Interest Rates Not Always Bad For Stock Prices](https://blog.acgworldwide.com/rising-interest-rates-not-always-bad-for-stock-prices) ## [ACG's Best Investment Strategies for Dentists](https://blog.acgworldwide.com/acgs-best-investment-strategies-for-dentists) ## [Investor Insights: August 2017](https://blog.acgworldwide.com/investor-insights-august-2017) ## [Baby Boomer Close to Retirement? 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