--- title: ACG Blog (10) description: ACG Blog (10) --- [![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 January 03 2020 ## [Investor Insights - January 2020](https://blog.acgworldwide.com/investor-insights-january-2020) Posted by [Bobby Moyer, CFA, CFP®, CAIA](https://blog.acgworldwide.com/author/bobby-moyer-cfa-cfp-caia) in [Monthly Insights](https://blog.acgworldwide.com/topic/monthly-insights) with [No Comments](https://blog.acgworldwide.com/investor-insights-january-2020#comments-listing) See our recap of December's key statistics and market commentary below. Noteworthy Numbers The MSCI Emerging Markets (EM) NR USD was the leading broad index performer for the month of December, returning 7.46%. The EM Index was also the leading perfo... December 26 2019 ## [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) Posted by [Joné E. Liuzza, ERPA, QPA, QKA](https://blog.acgworldwide.com/author/joné-e-liuzza-erpa-qpa-qka) in [401(k)](https://blog.acgworldwide.com/topic/401k), [Retirement](https://blog.acgworldwide.com/topic/retirement), [Wealth Management](https://blog.acgworldwide.com/topic/wealth-management), [Financial Planning](https://blog.acgworldwide.com/topic/financial-planning) with [No Comments](https://blog.acgworldwide.com/five-best-practices-to-protect-your-retirement-nest-egg-from-cybertheft#comments-listing) 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?](https://blog.acgworldwide.com/which-account-should-you-tap-first) Posted by [Jimmy Pickert, CFA®, CFP®, CRPS®](https://blog.acgworldwide.com/author/jimmy-pickert-cfa-crps) in [Wealth Management](https://blog.acgworldwide.com/topic/wealth-management), [Financial Planning](https://blog.acgworldwide.com/topic/financial-planning) with [No Comments](https://blog.acgworldwide.com/which-account-should-you-tap-first#comments-listing) 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](https://blog.acgworldwide.com/the-pros-and-cons-of-the-elapsed-time-method) Posted by [David J. Kupstas, FSA, EA, MSEA](https://blog.acgworldwide.com/author/david-j-kupstas-fsa-ea-msea) in [Investments](https://blog.acgworldwide.com/topic/investments), [Wealth Management](https://blog.acgworldwide.com/topic/wealth-management), [Market Performance](https://blog.acgworldwide.com/topic/market-performance), [Financial Planning](https://blog.acgworldwide.com/topic/financial-planning) with [No Comments](https://blog.acgworldwide.com/the-pros-and-cons-of-the-elapsed-time-method#comments-listing) 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 a... December 04 2019 ## [What You Might Have Missed - October and November 2019](https://blog.acgworldwide.com/what-you-might-have-missed-march-2019-0-0-1-0) Posted by [J. Saunders Wiggins, CFP®, AIF®](https://blog.acgworldwide.com/author/j-saunders-wiggins-cfp-aif) in [Compilation](https://blog.acgworldwide.com/topic/compilation) with [No Comments](https://blog.acgworldwide.com/what-you-might-have-missed-march-2019-0-0-1-0#comments-listing) The start of holiday season has everyone busy with special events, travels and precious time with family. For your convenience, I've compiled links to our recently published posts from October and November directly below. December 03 2019 ## [Investor Insights - December 2019](https://blog.acgworldwide.com/investor-insights-december-2019) Posted by [Bobby Moyer, CFA, CFP®, CAIA](https://blog.acgworldwide.com/author/bobby-moyer-cfa-cfp-caia) in [Monthly Insights](https://blog.acgworldwide.com/topic/monthly-insights) with [No Comments](https://blog.acgworldwide.com/investor-insights-december-2019#comments-listing) See our recap of November's key statistics and market commentary below. Noteworthy Numbers The S&P 500 is positive for the year by 27.63%, on track for its best calendar year return since 2013. The US added 128,000 non-farm payrolls in October, f... November 20 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) Posted by [Jimmy Pickert, CFA®, CFP®, CRPS®](https://blog.acgworldwide.com/author/jimmy-pickert-cfa-crps) in [Investments](https://blog.acgworldwide.com/topic/investments), [Wealth Management](https://blog.acgworldwide.com/topic/wealth-management), [Market Performance](https://blog.acgworldwide.com/topic/market-performance), [Financial Planning](https://blog.acgworldwide.com/topic/financial-planning) with [No Comments](https://blog.acgworldwide.com/the-stock-markets-at-an-all-time-high-is-now-the-time-to-invest#comments-listing) 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 ... November 08 2019 ## [New Qualified Plan Limits and Social Security Adjustments for 2020 Announced](https://blog.acgworldwide.com/qualified-plan-ira-social-security-limits-2020) Posted by [David J. Kupstas, FSA, EA, MSEA](https://blog.acgworldwide.com/author/david-j-kupstas-fsa-ea-msea) in [401(k)](https://blog.acgworldwide.com/topic/401k), [Retirement](https://blog.acgworldwide.com/topic/retirement) with [No Comments](https://blog.acgworldwide.com/qualified-plan-ira-social-security-limits-2020#comments-listing) Retirees receiving Social Security will see a small benefit increase in 2020. Savers in qualified retirement plans (but not IRAs) will have the ability to put a bit more money away in 2020. November 04 2019 ## [Investor Insights - November 2019](https://blog.acgworldwide.com/investor-insights-november-2019) Posted by [Bobby Moyer, CFA, CFP®, CAIA](https://blog.acgworldwide.com/author/bobby-moyer-cfa-cfp-caia) in [Monthly Insights](https://blog.acgworldwide.com/topic/monthly-insights) with [No Comments](https://blog.acgworldwide.com/investor-insights-november-2019#comments-listing) See our recap of October's key statistics and market commentary below. Noteworthy Numbers The preliminary reading of third quarter GDP growth in the U.S. was 1.9%. This represented a deceleration in the economy, but still beat consensus expectations ... October 16 2019 ## [What Is the REAL Deadline for Making Plan Contributions?](https://blog.acgworldwide.com/what-is-the-real-deadline-for-making-plan-contributions) Posted by [David J. Kupstas, FSA, EA, MSEA](https://blog.acgworldwide.com/author/david-j-kupstas-fsa-ea-msea) in [Retirement](https://blog.acgworldwide.com/topic/retirement), [defined contribution](https://blog.acgworldwide.com/topic/defined-contribution), [defined benefit](https://blog.acgworldwide.com/topic/defined-benefit), [contribution](https://blog.acgworldwide.com/topic/contribution), [funding deadline](https://blog.acgworldwide.com/topic/funding-deadline) with [No Comments](https://blog.acgworldwide.com/what-is-the-real-deadline-for-making-plan-contributions#comments-listing) When it comes to depositing employer contributions into qualified retirement plans, we are often asked what the deadline is for making these contributions. Believe it or not, that is not an easy question to answer. I suppose one way to look at it is ... 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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/)