--- title: ACG Blog (14) description: ACG Blog (14) --- [![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 16 2019 ## [A History of Bear Markets](https://blog.acgworldwide.com/history-bear-markets) Posted by [Jimmy Pickert, CFA®, CFP®, CRPS®](https://blog.acgworldwide.com/author/jimmy-pickert-cfa-crps) in [Investments](https://blog.acgworldwide.com/topic/investments), [Market Performance](https://blog.acgworldwide.com/topic/market-performance) with [No Comments](https://blog.acgworldwide.com/history-bear-markets#comments-listing) The S&P 500 flirted with bear market territory in December, with stocks trading downward on fears of rising interest rates, slowing economies and trade concerns. On Christmas Eve the index closed at 2,351.10, down 19.78 percent from its September... January 09 2019 ## [What Is a Cash Balance Plan?](https://blog.acgworldwide.com/what-is-cash-balance-plan) Posted by [David J. Kupstas, FSA, EA, MSEA](https://blog.acgworldwide.com/author/david-j-kupstas-fsa-ea-msea) in [defined contribution](https://blog.acgworldwide.com/topic/defined-contribution), [combo plan](https://blog.acgworldwide.com/topic/combo-plan), [defined benefit](https://blog.acgworldwide.com/topic/defined-benefit) with [No Comments](https://blog.acgworldwide.com/what-is-cash-balance-plan#comments-listing) Our firm provides third party administrative services for both defined benefit (DB) and defined contribution (DC) plans. There is a type of plan called “cash balance” that sort of falls in between. While they are technically DB plans, they have some ... January 03 2019 ## [Investor Insights - January 2019](https://blog.acgworldwide.com/investor-insights-december-01-2019-0-0-2-0) 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-01-2019-0-0-2-0#comments-listing) See our recap of December's key statistics and market commentary below. December 26 2018 ## [What You Might Have Missed - December 2018](https://blog.acgworldwide.com/what-you-might-have-missed-october-november-2018-0-0-0) 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-october-november-2018-0-0-0#comments-listing) Have you been caught up in the hustle and bustle of the season and missed reading a blog post this month? Don't worry, I'm here to help. For your convenience, I've compiled links to our recently published posts directly below. Best wishes for a happy... December 19 2018 ## [Enhance Your Personal Legacy Through a Donor Advised Fund](https://blog.acgworldwide.com/enhance-your-personal-legacy-donor-advised-fund) Posted by [Gregory Doepke, CFP®, CAP®](https://blog.acgworldwide.com/author/gregory-doepke-cfp-cap) in [Donor Advised Fund](https://blog.acgworldwide.com/topic/donor-advised-fund) with [No Comments](https://blog.acgworldwide.com/enhance-your-personal-legacy-donor-advised-fund#comments-listing) Whether you are intentional or not, you are creating your own personal and family legacy. Your legacy is what you leave behind when you pass on, and it reflects all the good you have done in this world. One of the measurable components of your legacy... December 12 2018 ## [What’s the Big Change with 401(k) Hardships?](https://blog.acgworldwide.com/whats-big-change-401k-hardships) 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), [hardship](https://blog.acgworldwide.com/topic/hardship) with [No Comments](https://blog.acgworldwide.com/whats-big-change-401k-hardships#comments-listing) On February 9, 2018, the Bipartisan Budget Act of 2018 was passed into law, which ended the government shutdown by raising the debt ceiling for the next two years. Sandwiched deep within were changes to rules that govern hardship distributions in 401... December 03 2018 ## [Investor Insights - December 2018](https://blog.acgworldwide.com/investor-insights-december-01-2018-0-0-2-0) 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-01-2018-0-0-2-0#comments-listing) See our recap of November's key statistics and market commentary below. November 28 2018 ## [What You Might Have Missed - October & November 2018](https://blog.acgworldwide.com/what-you-might-have-missed-october-november-2018-0-0) 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-october-november-2018-0-0#comments-listing) Did you go on vacation and miss reading our blog posts? Have you been swamped at the office and opened the November Investor Insights but never got a chance to read it through? For your convenience, I've compiled links to our recently published posts... November 21 2018 ## [A Few Nuggets of Wisdom on Pot Stocks](https://blog.acgworldwide.com/nuggets-of-wisdom-pot-stocks) Posted by [Jimmy Pickert, CFA®, CFP®, CRPS®](https://blog.acgworldwide.com/author/jimmy-pickert-cfa-crps) in [Investments](https://blog.acgworldwide.com/topic/investments), [Market Performance](https://blog.acgworldwide.com/topic/market-performance) with [No Comments](https://blog.acgworldwide.com/nuggets-of-wisdom-pot-stocks#comments-listing) Last year around Thanksgiving I wrote about the craze around Bitcoin and cryptocurrencies in general. The blog’s main point was that, after seeing record numbers of new accounts opening up for the purchase of Bitcoin, investors shouldn’t rush in with... November 14 2018 ## [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) 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), [defined benefit](https://blog.acgworldwide.com/topic/defined-benefit) with [No Comments](https://blog.acgworldwide.com/maximum-db-plan-without-much-compensation-yes-sir#comments-listing) It is generally the case that the more compensation one earns, the bigger the contributions and benefits he may receive from a qualified retirement plan. The limits on salary deferrals in 401(k) plans, annual additions in defined contribution plans, ... [« Previous](https://blog.acgworldwide.com/page/13) [12](https://blog.acgworldwide.com/page/12) [13](https://blog.acgworldwide.com/page/13) 14 [15](https://blog.acgworldwide.com/page/15) [16](https://blog.acgworldwide.com/page/16) ... 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