ACG Blog

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...

Making the decision to sponsor a 401(k) plan is an important step in helping you and your employees save money for retirement on a tax favored basis. But it’s just the first step. Once you’ve decided to offer a plan, the next step is to focus on how ...

As the sponsor of an employee retirement plan, it’s critical that you understand the concept of fiduciary duty. Fiduciary is a fancy word that conveys a simple concept: You are legally required as a fiduciary to put the interests of plan participants...

Offering a retirement plan to your employees is one of the best decisions your company can make. Qualified retirement plans like 401(k) plans offer tax benefits to your employees and your business while also serving as a powerful employee recruiting ...

There has been a lot of buzz about the proposed Department of Labor (DOL) fiduciary rule, its importance and implications. Today, the DOL issued rules that would require any person who gives investment advice to retirement accounts (IRAs, 401(k) plan...

While requests for proposal (RFPs) are a common practice among large companies and government organizations, very few small businesses use them, especially for a 401(k) plan. However, much can be learned from the process of an RFP and what questions ...

This morning, the European Central Bank (ECB) introduced negative deposit rates and also cut its main refinancing rate to 0.00%. What this means is that European banks will have to pay the ECB 0.4% of any deposits that they hold with the central bank...

It seems as if the stock market ate at Chipotle and caught a norovirus to start 2016. December sales at Chipotle decreased around 30%, which is hopefully not what will happen to the stock market. But investors should be cautious and aware of the many...

For the past several weeks, the markets have been more volatile than usual. August saw the S&P 500 Total Return Index falling 6.26%, the largest calendar month decline since May 2012. This volatility was sparked primarily by concerns about China’...

As the September 15 tax extension deadline looms, many business owners will start planning for 2016 and the many challenges that exist in running a business. Among the biggest headaches continues to be the Affordable Care Act (ACA) – no wonder that i...