--- title: ACG Blog | J. Saunders Wiggins, CFP®, AIF® (5) description: "J. Saunders Wiggins, CFP®, AIF®\nCEO/President (5)" --- [![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 ## J. Saunders Wiggins, CFP®, AIF® ![](https://blog.acgworldwide.com/hubfs/Sandy-Wiggins-square.jpg) J. Saunders Wiggins, CFP®, AIF® CEO/President ### Recent Posts August 12 2015 ## [Investing in oil](https://blog.acgworldwide.com/investing-in-oil) Posted by [J. Saunders Wiggins, CFP®, AIF®](https://blog.acgworldwide.com/author/j-saunders-wiggins-cfp-aif) in [Investments](https://blog.acgworldwide.com/topic/investments) with [No Comments](https://blog.acgworldwide.com/investing-in-oil#comments-listing) As we're ending the second quarter earnings season, and getting ready for summer to end, investors are evaluating their portfolios for the rest of the year, and hopefully really for the next 3-5 years or longer. We haven't had this much volatility in... July 20 2015 ## [President Obama really wants you to retire](https://blog.acgworldwide.com/president-obama-really-wants-you-to-retire) Posted by [J. Saunders Wiggins, CFP®, AIF®](https://blog.acgworldwide.com/author/j-saunders-wiggins-cfp-aif) in [Retirement](https://blog.acgworldwide.com/topic/retirement) with [No Comments](https://blog.acgworldwide.com/president-obama-really-wants-you-to-retire#comments-listing) After President Obama’s myRA announcement at the 2014 State of the Union address, we have his most recent push to increase access to retirement plans and to increase retirement savings: state-run retirement savings programs. In the White House Confer... June 08 2015 ## [401(k) plan fees - Supreme Court weighs in](https://blog.acgworldwide.com/401k-plan-fees-supreme-court-weighs-in) Posted by [J. Saunders Wiggins, CFP®, AIF®](https://blog.acgworldwide.com/author/j-saunders-wiggins-cfp-aif) in [401(k)](https://blog.acgworldwide.com/topic/401k), [Retirement](https://blog.acgworldwide.com/topic/retirement) with [No Comments](https://blog.acgworldwide.com/401k-plan-fees-supreme-court-weighs-in#comments-listing) As an update to our recent coverage of 401(k) plan lawsuits, the Supreme Court has ruled that plan sponsors have a duty to monitor investment options on a continuous basis. As we previously discussed in the Tibble v. Edison case, the central argument... May 07 2015 ## [401(k) plan lawsuits](https://blog.acgworldwide.com/401k-plan-lawsuits) Posted by [J. Saunders Wiggins, CFP®, AIF®](https://blog.acgworldwide.com/author/j-saunders-wiggins-cfp-aif) with [No Comments](https://blog.acgworldwide.com/401k-plan-lawsuits#comments-listing) 401(k) plans don’t get much media attention, and many employers view 401(k) plans as a necessary benefit they must provide for employees. However, they often don’t understand the vast fiduciary duty that accompanies sponsoring a 401(k) plan. As parti... April 13 2015 ## [How to decrease taxable income](https://blog.acgworldwide.com/how-to-decrease-taxable-income) Posted by [J. Saunders Wiggins, CFP®, AIF®](https://blog.acgworldwide.com/author/j-saunders-wiggins-cfp-aif) in [401(k)](https://blog.acgworldwide.com/topic/401k), [Tax Strategy](https://blog.acgworldwide.com/topic/tax-strategy) with [No Comments](https://blog.acgworldwide.com/how-to-decrease-taxable-income#comments-listing) As the April 15 income tax return deadline approaches, many individuals and business owners are wondering how to decrease taxable income and are looking for ways to reduce taxes. While it is best practice to consult a knowledgeable CPA or Enrolled Ag... March 30 2015 ## [Affordable Care Act tax bill](https://blog.acgworldwide.com/affordable-care-act-tax-bill) Posted by [J. Saunders Wiggins, CFP®, AIF®](https://blog.acgworldwide.com/author/j-saunders-wiggins-cfp-aif) in [Tax Strategy](https://blog.acgworldwide.com/topic/tax-strategy) with [No Comments](https://blog.acgworldwide.com/affordable-care-act-tax-bill#comments-listing) As the 2014 tax season is coming to a conclusion, we’re getting a first glimpse of how much revenue the Affordable Care Act (ACA), or ObamaCare, is generating for the government. The IRS has released data for the first year that the Medicare surcharg... December 30 2014 ## [What are your 401(k) retirement plan goals?](https://blog.acgworldwide.com/what-are-your-401k-retirement-plan-goals) Posted by [J. Saunders Wiggins, CFP®, AIF®](https://blog.acgworldwide.com/author/j-saunders-wiggins-cfp-aif) in [401(k)](https://blog.acgworldwide.com/topic/401k) with [No Comments](https://blog.acgworldwide.com/what-are-your-401k-retirement-plan-goals#comments-listing) As we head into a new year, ‘tis the time to reflect on the past and set goals for the future. October 23 2014 ## [New rules for cash balance plans offer flexibility](https://blog.acgworldwide.com/new-rules-for-cash-balance-plans-offer-flexibility) Posted by [J. Saunders Wiggins, CFP®, AIF®](https://blog.acgworldwide.com/author/j-saunders-wiggins-cfp-aif) in [Retirement](https://blog.acgworldwide.com/topic/retirement), [Tax Strategy](https://blog.acgworldwide.com/topic/tax-strategy), [Financial Planning](https://blog.acgworldwide.com/topic/financial-planning) with [No Comments](https://blog.acgworldwide.com/new-rules-for-cash-balance-plans-offer-flexibility#comments-listing) The IRS has issued final regulations for hybrid retirement plans, such as cash balance plans, that clarify and add flexibility about how an employer credits interest in such plans. The final regulations clarify the definition of "market rate of retur... July 10 2014 ## [Treasury Department issues final rules regarding Longevity Annuities](https://blog.acgworldwide.com/treasury-department-issues-final-rules-regarding-longevity-annuities) Posted by [J. Saunders Wiggins, CFP®, AIF®](https://blog.acgworldwide.com/author/j-saunders-wiggins-cfp-aif) with [No Comments](https://blog.acgworldwide.com/treasury-department-issues-final-rules-regarding-longevity-annuities#comments-listing) An increasing concern for many Baby Boomers and retirees is whether or not they will outlive their retirement savings. As a result, insurance companies have been lobbying to allow qualified longevity annuity contracts (QLACs) inside 401(k) plans. The... June 30 2014 ## [Is your inherited IRA the same as a traditional IRA?](https://blog.acgworldwide.com/is-your-inherited-ira-the-same-as-a-traditional-ira) Posted by [J. Saunders Wiggins, CFP®, AIF®](https://blog.acgworldwide.com/author/j-saunders-wiggins-cfp-aif) in [Retirement](https://blog.acgworldwide.com/topic/retirement) with [No Comments](https://blog.acgworldwide.com/is-your-inherited-ira-the-same-as-a-traditional-ira#comments-listing) Who would have thought that inherited IRAs are not retirement funds? However, this is the case when it comes to bankruptcy proceedings. According to the U.S. Supreme Court, inherited IRAs are not exempt by U.S. Bankruptcy Code as retirement funds. Th... 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