--- title: ACG Blog (26) description: ACG Blog (26) --- [![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 October 20 2016 ## [Social Security Benefits to Get a (Very) Slight Bump in 2017](https://blog.acgworldwide.com/social-security-benefits-to-get-a-very-slight-bump-in-2017) 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), [Tax Strategy](https://blog.acgworldwide.com/topic/tax-strategy) with [No Comments](https://blog.acgworldwide.com/social-security-benefits-to-get-a-very-slight-bump-in-2017#comments-listing) Retirees on Social Security may soon be able to afford an extra cup of coffee or sandwich each month, but not much else. The Social Security Administration announced this week that monthly Social Security and Supplemental Security Income (SSI) benefi... October 11 2016 ## [Is Your Business Following These 401(k) Best Practices in Plan Design?](https://blog.acgworldwide.com/401k-best-practices-retirement-plan-design) 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-best-practices-retirement-plan-design#comments-listing) Making the decision to sponsor a 401(k) plan is an important step in helping you and your employees save money for retirement on a tax favored basis. But it’s just the first step. Once you’ve decided to offer a plan, the next step is to focus on how ... October 05 2016 ## [401(k) Fiduciary Responsibility: What You Need to Know](https://blog.acgworldwide.com/retirement-plan-401k-fiduciary-responsibility) 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/retirement-plan-401k-fiduciary-responsibility#comments-listing) As the sponsor of an employee retirement plan, it’s critical that you understand the concept of fiduciary duty. Fiduciary is a fancy word that conveys a simple concept: You are legally required as a fiduciary to put the interests of plan participants... September 29 2016 ## [Could Your Company Benefit From a Cross-Tested Retirement Plan?](https://blog.acgworldwide.com/benefit-from-cross-tested-retirement-plan) 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) with [No Comments](https://blog.acgworldwide.com/benefit-from-cross-tested-retirement-plan#comments-listing) It’s not uncommon for business owners to want to contribute more money to their own retirement accounts and those of selected employees than they do to the rest of their employees. Similarly, companies sometimes want to contribute more to older emplo... September 22 2016 ## [Decisions, Decisions ... A Comparison of Small Business Retirement Plans](https://blog.acgworldwide.com/small-business-retirement-plans-comparison) 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/small-business-retirement-plans-comparison#comments-listing) Offering a retirement plan to your employees is one of the best decisions your company can make. Qualified retirement plans like 401(k) plans offer tax benefits to your employees and your business while also serving as a powerful employee recruiting ... September 07 2016 ## [Can You Be Past Age 70½ and Not Take 401(k) Distributions?](https://blog.acgworldwide.com/can-you-be-past-70-1/2-and-not-take-rmds) 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/can-you-be-past-70-1/2-and-not-take-rmds#comments-listing) An apparently erroneous response in a recent financial advice column has inspired us to share some basic rules about Required Minimum Distributions (RMDs) from qualified retirement plans. RMDs are sometimes called “70½ distributions” because that is ... August 31 2016 ## [10 Tips for Plan Sponsors to get 401(k) Plan Ready for Year-End](https://blog.acgworldwide.com/ten-tips-to-get-401k-plan-ready-for-year-end) 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) with [No Comments](https://blog.acgworldwide.com/ten-tips-to-get-401k-plan-ready-for-year-end#comments-listing) Is it my imagination or do we get busier as the fall months come and go at an accelerated pace? Oftentimes, our hectic schedules result in a “priorities first” business model and our 401(k) plan gets put on the back burner. Here are 10 tips for plan ... August 30 2016 ## [Will the Upcoming Elections Impact Your Portfolio?](https://blog.acgworldwide.com/will-the-upcoming-elections-impact-your-portfolio) 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/will-the-upcoming-elections-impact-your-portfolio#comments-listing) The U.S. Presidential Election is just seventy days away now, and Americans across the country are paying attention to who will sit in the Oval Office for at least the next four years. The candidates offer a stark contrast in personality and backgrou... August 17 2016 ## [The Nonresident Aliens Have Landed](https://blog.acgworldwide.com/the-nonresident-aliens-have-landed) 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/the-nonresident-aliens-have-landed#comments-listing) How to treat nonresident aliens for qualified retirement plan purposes is often misunderstood. Are nonresident aliens allowed to participate in U.S. plans? Do you have to cover them? And what is a nonresident alien anyway? August 05 2016 ## [Complete Form 8955-SSA Correctly So Future Generations Won’t Hate You](https://blog.acgworldwide.com/complete-form-8955-ssa-correctly-so-future-generations-wont-hate-you) 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/complete-form-8955-ssa-correctly-so-future-generations-wont-hate-you#comments-listing) If you were to receive a notice from the Social Security Administration saying you might be owed some money from a long-ago former employer’s retirement plan, you would probably think, “Cool. I’m owed some money from a long-ago former employer’s reti... [« Previous](https://blog.acgworldwide.com/page/25) [24](https://blog.acgworldwide.com/page/24) [25](https://blog.acgworldwide.com/page/25) 26 [27](https://blog.acgworldwide.com/page/27) [28](https://blog.acgworldwide.com/page/28) ... 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