--- title: ACG Blog (27) description: ACG Blog (27) --- [![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 July 08 2016 ## [Talk to Your Doctor…Er…TPA Firm about Cross-Testing](https://blog.acgworldwide.com/talk-to-your-doctorertpa-firm-about-cross-testing) 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/talk-to-your-doctorertpa-firm-about-cross-testing#comments-listing) You can’t have the TV on very long before one of those ads for the latest prescription drug comes on. “Ask your doctor whether Incredipill is right for you.” Why would a commercial tell me to ask my doctor about a drug? If the medicine is right for m... June 29 2016 ## [The Brangover – Brexit and its impact on the markets and your portfolio](https://blog.acgworldwide.com/the-brangover-brexit-and-its-impact-on-the-markets-and-your-portfolio) Posted by [Bobby Moyer, CFA, CFP®, CAIA](https://blog.acgworldwide.com/author/bobby-moyer-cfa-cfp-caia) in [Investments](https://blog.acgworldwide.com/topic/investments) with [No Comments](https://blog.acgworldwide.com/the-brangover-brexit-and-its-impact-on-the-markets-and-your-portfolio#comments-listing) Last week, the United Kingdom (UK) voted to leave the European Union (EU). This decision caught the markets by surprise, as many believed the vote would be close but not favor a leave. June 20 2016 ## [Ten Guidelines for 401(k) Loans](https://blog.acgworldwide.com/ten-guidelines-for-401k-loans) 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-guidelines-for-401k-loans#comments-listing) If your 401(k) plan allows participant loans, here are 10 rules that will keep you out of trouble and in good graces with the IRS and Department of Labor: June 01 2016 ## [What Does Retirement Plan Disqualification Mean?](https://blog.acgworldwide.com/what-it-means-for-a-retirement-plan-to-be-disqualified) 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/what-it-means-for-a-retirement-plan-to-be-disqualified#comments-listing) Did your parents or a teacher ever threaten you with dire consequences in order to correct an undesirable behavior? “If you cross your eyes, they’ll get stuck that way.” “Young man, this will go on your permanent record!” May 10 2016 ## [Four Great Things the IRS Has Done for Us Recently](https://blog.acgworldwide.com/four-great-things-the-irs-has-done-for-us-recently) 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/four-great-things-the-irs-has-done-for-us-recently#comments-listing) Right now, I am loving me some IRS. The agency everyone loves to hate each April 15 has been on quite a roll lately with some really great news for those of us in the 401(k) and pension world. Here’s what they’ve done this year: April 22 2016 ## [The Conflict of Interest Rule: Fiduciary Standard Impact on Investors](https://blog.acgworldwide.com/the-dol-conflict-of-interest-rule-impact-of-the-fiduciary-standard-for-investors) Posted by [Jimmy Pickert, CFA®, CFP®, CRPS®](https://blog.acgworldwide.com/author/jimmy-pickert-cfa-crps) in [Investments](https://blog.acgworldwide.com/topic/investments), [Retirement](https://blog.acgworldwide.com/topic/retirement) with [No Comments](https://blog.acgworldwide.com/the-dol-conflict-of-interest-rule-impact-of-the-fiduciary-standard-for-investors#comments-listing) Earlier this month, the Department of Labor (DOL) released its long-awaited Conflict of Interest Rule, and the investment industry is still parsing through the language to gauge how it will impact business models. April 14 2016 ## [Use Caution When Putting Real Estate in Your Retirement Plan](https://blog.acgworldwide.com/use-caution-when-putting-real-estate-in-your-retirement-plan) 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/use-caution-when-putting-real-estate-in-your-retirement-plan#comments-listing) Mutual funds. ETFs. Treasury notes. Stocks. Bonds. All of these are investments commonly found inside qualified retirement plans. How about real estate? Is that permitted? I am not talking about REITs or a real estate mutual fund. I mean, can a retir... April 06 2016 ## [Fiduciary duty - does your financial advisor work in your best interest?](https://blog.acgworldwide.com/fiduciary-duty-does-your-financial-advisor-work-in-your-best-interest) Posted by [J. Saunders Wiggins, CFP®, AIF®](https://blog.acgworldwide.com/author/j-saunders-wiggins-cfp-aif) with [No Comments](https://blog.acgworldwide.com/fiduciary-duty-does-your-financial-advisor-work-in-your-best-interest#comments-listing) There has been a lot of buzz about the proposed Department of Labor (DOL) fiduciary rule, its importance and implications. Today, the DOL issued rules that would require any person who gives investment advice to retirement accounts (IRAs, 401(k) plan... April 01 2016 ## [Read Form 5500 EZ Instructions & Work with Competent Advisors](https://blog.acgworldwide.com/reading-the-instructions-working-with-competent-advisors-are-keys-to-meeting-form-5500-ez-requirement) 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/reading-the-instructions-working-with-competent-advisors-are-keys-to-meeting-form-5500-ez-requirement#comments-listing) There is some confusion in Retirement Plan Land about who needs to file Form 5500-EZ and who doesn’t, according to an IRS compliance project. Some plan sponsors are turning to the wrong people for advice, not reading the form’s instructions, or both. March 23 2016 ## [401(k) plan request for proposal (RFP) process](https://blog.acgworldwide.com/401k-plan-request-for-proposal-rfp-process) 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), [Financial Planning](https://blog.acgworldwide.com/topic/financial-planning) with [No Comments](https://blog.acgworldwide.com/401k-plan-request-for-proposal-rfp-process#comments-listing) While requests for proposal (RFPs) are a common practice among large companies and government organizations, very few small businesses use them, especially for a 401(k) plan. However, much can be learned from the process of an RFP and what questions ... [« Previous](https://blog.acgworldwide.com/page/26) [25](https://blog.acgworldwide.com/page/25) [26](https://blog.acgworldwide.com/page/26) 27 [28](https://blog.acgworldwide.com/page/28) [29](https://blog.acgworldwide.com/page/29) ... 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