--- title: ACG Blog | Rusty Stadler, CFP® description: "Rusty Stadler, CFP® \nClient Relationship Manager" --- [![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 ## Rusty Stadler, CFP® ![](https://blog.acgworldwide.com/hubfs/Rusty%20Stabler%20-%202016-242622-edited.jpg) Rusty Stadler, CFP® Client Relationship Manager ### Recent Posts November 16 2016 ## [How to Increase Retirement Plan Participation and 401(k) Enrollment](https://blog.acgworldwide.com/how-to-increase-retirement-plan-participation) Posted by [Rusty Stadler, CFP®](https://blog.acgworldwide.com/author/rusty-stadler-cfp) in [401(k)](https://blog.acgworldwide.com/topic/401k) with [No Comments](https://blog.acgworldwide.com/how-to-increase-retirement-plan-participation#comments-listing) Part 2 of a 2 part series. In our last blog, we described how the shift from defined benefit pension plans to defined contribution plans like 401(k)s has shifted primary responsibility for retirement savings from employers to employees. However, rese... November 14 2016 ## [How Changes in Retirement Lead to a Retirement Income Gap](https://blog.acgworldwide.com/retirement-income-gap-reasons) Posted by [Rusty Stadler, CFP®](https://blog.acgworldwide.com/author/rusty-stadler-cfp) in [401(k)](https://blog.acgworldwide.com/topic/401k) with [No Comments](https://blog.acgworldwide.com/retirement-income-gap-reasons#comments-listing) Part 1 of a 2 part series. A drastic shift has taken place over the past couple of decades when it comes to how Americans prepare financially for retirement. In short, the primary responsibility for retirement savings has shifted from employers to em... 1 [All posts](https://blog.acgworldwide.com/all) ### Subscribe to Email Updates ### Posts by Topic - [401(k) (105)](https://blog.acgworldwide.com/topic/401k) - [Retirement (105)](https://blog.acgworldwide.com/topic/retirement) - [Monthly Insights (80)](https://blog.acgworldwide.com/topic/monthly-insights) - [Financial Planning (62)](https://blog.acgworldwide.com/topic/financial-planning) - [Investments (50)](https://blog.acgworldwide.com/topic/investments) - [Wealth Management (37)](https://blog.acgworldwide.com/topic/wealth-management) - [Market Performance (28)](https://blog.acgworldwide.com/topic/market-performance) - [defined contribution (21)](https://blog.acgworldwide.com/topic/defined-contribution) - [Tax Strategy (16)](https://blog.acgworldwide.com/topic/tax-strategy) - [defined benefit (16)](https://blog.acgworldwide.com/topic/defined-benefit) - [retirement plan (10)](https://blog.acgworldwide.com/topic/retirement-plan) - [Compilation (9)](https://blog.acgworldwide.com/topic/compilation) - [covid-19 (6)](https://blog.acgworldwide.com/topic/covid-19) - [qualified plan (6)](https://blog.acgworldwide.com/topic/qualified-plan) - [Asset Allocation (5)](https://blog.acgworldwide.com/topic/asset-allocation) - [distribution planning (5)](https://blog.acgworldwide.com/topic/distribution-planning) - [irs (5)](https://blog.acgworldwide.com/topic/irs) - [Third Party Administration (4)](https://blog.acgworldwide.com/topic/third-party-administration) - [participant loan (4)](https://blog.acgworldwide.com/topic/participant-loan) - [pbgc (4)](https://blog.acgworldwide.com/topic/pbgc) - [secure act (4)](https://blog.acgworldwide.com/topic/secure-act) - [TPA (3)](https://blog.acgworldwide.com/topic/tpa) - [defined benefit funding (3)](https://blog.acgworldwide.com/topic/defined-benefit-funding) - [fiduciary obligation (3)](https://blog.acgworldwide.com/topic/fiduciary-obligation) - [options (3)](https://blog.acgworldwide.com/topic/options) - [social security (3)](https://blog.acgworldwide.com/topic/social-security) - [IRA (2)](https://blog.acgworldwide.com/topic/ira) - [Roth (2)](https://blog.acgworldwide.com/topic/roth) - [SEP (2)](https://blog.acgworldwide.com/topic/sep) - [SIMPLE (2)](https://blog.acgworldwide.com/topic/simple) - [combo plan (2)](https://blog.acgworldwide.com/topic/combo-plan) - [coronavirus (2)](https://blog.acgworldwide.com/topic/coronavirus) - [cross-tested (2)](https://blog.acgworldwide.com/topic/cross-tested) - [70 1/2 (1)](https://blog.acgworldwide.com/topic/70-1-2) - [ADP test (1)](https://blog.acgworldwide.com/topic/adp-test) - [Case Study (1)](https://blog.acgworldwide.com/topic/case-study) - [Donor Advised Fund (1)](https://blog.acgworldwide.com/topic/donor-advised-fund) - [RMD (1)](https://blog.acgworldwide.com/topic/rmd) - [SECURE 2.0 (1)](https://blog.acgworldwide.com/topic/secure-2-0) - [alternative defined contribution plan (1)](https://blog.acgworldwide.com/topic/alternative-defined-contribution-plan) - [beneficiary (1)](https://blog.acgworldwide.com/topic/beneficiary) - [cash balance (1)](https://blog.acgworldwide.com/topic/cash-balance) - [catch-up contribution (1)](https://blog.acgworldwide.com/topic/catch-up-contribution) - [collars (1)](https://blog.acgworldwide.com/topic/collars) - [contribution (1)](https://blog.acgworldwide.com/topic/contribution) - [death (1)](https://blog.acgworldwide.com/topic/death) - [deductions (1)](https://blog.acgworldwide.com/topic/deductions) - [epcrs (1)](https://blog.acgworldwide.com/topic/epcrs) - [form 5500 (1)](https://blog.acgworldwide.com/topic/form-5500) - [funding deadline (1)](https://blog.acgworldwide.com/topic/funding-deadline) - [hardship (1)](https://blog.acgworldwide.com/topic/hardship) - [integrated (1)](https://blog.acgworldwide.com/topic/integrated) - [interval funds (1)](https://blog.acgworldwide.com/topic/interval-funds) - [late deposits (1)](https://blog.acgworldwide.com/topic/late-deposits) - [mega backdoor roth ira (1)](https://blog.acgworldwide.com/topic/mega-backdoor-roth-ira) - [mistake of fact (1)](https://blog.acgworldwide.com/topic/mistake-of-fact) - [nonspouse (1)](https://blog.acgworldwide.com/topic/nonspouse) - [pension (1)](https://blog.acgworldwide.com/topic/pension) - [plan termination (1)](https://blog.acgworldwide.com/topic/plan-termination) - [put writing (1)](https://blog.acgworldwide.com/topic/put-writing) - [required minimum distribution (1)](https://blog.acgworldwide.com/topic/required-minimum-distribution) - [roth ira (1)](https://blog.acgworldwide.com/topic/roth-ira) - [successor plan (1)](https://blog.acgworldwide.com/topic/successor-plan) - [vcp (1)](https://blog.acgworldwide.com/topic/vcp) see all #### Phone: 800-231-6409 or 804-323-1886 | Fax: 804-323-1889 ©2026 ACG Worldwide. All Rights Reserved. ACG Wealth Management is a registered investment advisor with the Securities & Exchange Commission. If you would like to receive a copy of Form ADV, Part II please feel free to contact us at (804) 323-1886 or webmaster@acgwealthmanagement.com. [Important Disclosures](http://www.acgworldwide.com/acg-live/website-disclosure/)