--- title: ACG Blog (25) description: ACG Blog (25) --- [![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 December 02 2016 ## [Conservative Investors Should Stay the Course](https://blog.acgworldwide.com/conservative-investors-should-stay-the-course) Posted by [Jimmy Pickert, CFA®, CFP®, CRPS®](https://blog.acgworldwide.com/author/jimmy-pickert-cfa-crps) in [Market Performance](https://blog.acgworldwide.com/topic/market-performance) with [No Comments](https://blog.acgworldwide.com/conservative-investors-should-stay-the-course#comments-listing) Conservative investors have probably been frustrated recently. The S&P 500 index of stocks returned a strong 3.70% in November. With a month left to go and the stock index up 9.79% for the year, it’s shaping up to be a good year for the stock mar... December 02 2016 ## [11 Things You May or May Not Know About Family Attribution](https://blog.acgworldwide.com/11-things-you-may-or-may-not-know-about-family-attribution) 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), [Financial Planning](https://blog.acgworldwide.com/topic/financial-planning) with [No Comments](https://blog.acgworldwide.com/11-things-you-may-or-may-not-know-about-family-attribution#comments-listing) Note: This article was published in 2016. The SECURE 2.0 Act of 2022 made changes to certain rules relating to family attribution. As such, some information in this article may be outdated. When you own a business and sponsor a qualified retirement p... December 01 2016 ## [401(k) Plan Fees and Expenses: What Plan Sponsors Should Know](https://blog.acgworldwide.com/401k-plan-fees-and-expenses-what-plan-sponsors-should-know) 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/401k-plan-fees-and-expenses-what-plan-sponsors-should-know#comments-listing) 401(k) plan fees and expenses are a fact of life for plan sponsors and participants. Like any service provider, 401(k) providers must be compensated for their services. This compensation comes in the form of 401(k) plan fees. 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... November 11 2016 ## [Controlled Group Rules Require Multiple Businesses to Be Treated as One](https://blog.acgworldwide.com/controlled-group-rules-require-multiple-businesses-to-be-treated-as-one) 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), [Financial Planning](https://blog.acgworldwide.com/topic/financial-planning) with [No Comments](https://blog.acgworldwide.com/controlled-group-rules-require-multiple-businesses-to-be-treated-as-one#comments-listing) Under the controlled group rules, two or more business entities with common ownership are to be treated as a single employer for qualified retirement plan purposes. A company sponsoring a retirement plan may need to provide those same benefits for em... November 02 2016 ## [2017 Qualified Plan Limits Announced](https://blog.acgworldwide.com/2017-qualified-plan-limits-announced) 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), [Financial Planning](https://blog.acgworldwide.com/topic/financial-planning) with [No Comments](https://blog.acgworldwide.com/2017-qualified-plan-limits-announced#comments-listing) Autumn is here, which means leaves are changing color, football season is in full swing, and it’s time for government agencies to release new retirement plan limits for the upcoming year. October 31 2016 ## [7 Questions Plan Sponsors Must Ask Potential Retirement Plan Advisors](https://blog.acgworldwide.com/7-questions-plan-sponsors-must-ask-potential-retirement-plan-advisors) 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/7-questions-plan-sponsors-must-ask-potential-retirement-plan-advisors#comments-listing) The choice of a retirement plan advisor is one of the most important decisions you will make as a plan sponsor. Choosing the right retirement plan advisor will greatly increase the chances that your plan is successful in helping both your company and... October 27 2016 ## [Understanding 401(k) Contribution Limits](https://blog.acgworldwide.com/401k-contribution-limits) 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/401k-contribution-limits#comments-listing) 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... October 26 2016 ## [Deciding When to Start Collecting Social Security](https://blog.acgworldwide.com/deciding-when-to-start-collecting-social-security) 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) with [No Comments](https://blog.acgworldwide.com/deciding-when-to-start-collecting-social-security#comments-listing) Age 62 is the earliest a worker may begin collecting Social Security retirement benefits. Is that the best age to start, or is it better to wait until the “full” Social Security retirement age (now 66) or perhaps even later? Let’s take a look at some... [« Previous](https://blog.acgworldwide.com/page/24) [23](https://blog.acgworldwide.com/page/23) [24](https://blog.acgworldwide.com/page/24) 25 [26](https://blog.acgworldwide.com/page/26) [27](https://blog.acgworldwide.com/page/27) ... 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