--- title: ACG Blog | 401(k) (3) description: 401(k) | ACG Blog (3) --- [![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 March 23 2020 ## [Options for Accessing Retirement Plan Money Amid COVID-19 Outbreak](https://blog.acgworldwide.com/options-for-accessing-retirement-plan-money-amid-covid-19-outbreak) 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), [distribution planning](https://blog.acgworldwide.com/topic/distribution-planning), [coronavirus](https://blog.acgworldwide.com/topic/coronavirus), [covid-19](https://blog.acgworldwide.com/topic/covid-19) with [No Comments](https://blog.acgworldwide.com/options-for-accessing-retirement-plan-money-amid-covid-19-outbreak#comments-listing) Amid the coronavirus (COVID-19) scare, we are getting reports that our clients are imposing layoffs, furloughs, and temporary shutdowns. It makes sense; if people aren’t coming to your business, there’s no work for the employees to do and no money to... February 27 2020 ## [Why Did We Fail Our ADP Test?](https://blog.acgworldwide.com/why-did-we-fail-our-adp-test) 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), [participant loan](https://blog.acgworldwide.com/topic/participant-loan) with [No Comments](https://blog.acgworldwide.com/why-did-we-fail-our-adp-test#comments-listing) What does it mean when a plan fails its ADP test? An ADP test, Actual Deferral Percentage, is a discrimination test required by the law to ensure that the Highly Compensated Employees (HCEs) are not deferring at a much higher rate than the Non-Highly... January 30 2020 ## [What You Need to Know About the SECURE Act](https://blog.acgworldwide.com/five-best-practices-to-protect-your-retirement-nest-egg-from-cybertheft-0) 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), [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-0#comments-listing) By now you have likely heard about the SECURE Act recently passed by Congress. The Setting Every Community Up for Retirement Enhancement (SECURE) Act will increase access to workplace retirement plans and expand retirement savings, but what provision... 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... 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. September 11 2019 ## [Three Things You Should Be Doing as a Plan Sponsor](https://blog.acgworldwide.com/three-things-you-should-be-doing-as-a-plan-sponse) 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), [Third Party Administration](https://blog.acgworldwide.com/topic/third-party-administration), [TPA](https://blog.acgworldwide.com/topic/tpa), [fiduciary obligation](https://blog.acgworldwide.com/topic/fiduciary-obligation) with [No Comments](https://blog.acgworldwide.com/three-things-you-should-be-doing-as-a-plan-sponse#comments-listing) If you sponsor a 401(k) plan, you are likely working with great partners. You probably work with an advisor who maintains the investment lineup. You are also probably working with a Third Party Administrator (TPA) who handles the daily administration... August 21 2019 ## [How to Fix a Participant Loan](https://blog.acgworldwide.com/how-to-fix-a-participant-loan) 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), [participant loan](https://blog.acgworldwide.com/topic/participant-loan), [epcrs](https://blog.acgworldwide.com/topic/epcrs), [irs](https://blog.acgworldwide.com/topic/irs), [vcp](https://blog.acgworldwide.com/topic/vcp) with [No Comments](https://blog.acgworldwide.com/how-to-fix-a-participant-loan#comments-listing) Recently, we shared the basic rules related to participant loans in qualified retirement plans. From time to time, there will be loans that are not in compliance with one or more of these rules. What happens then? Is there a fix? Today, we will go th... July 10 2019 ## [When Cross-Tested Plans Become Integrated Plans](https://blog.acgworldwide.com/when-cross-tested-plans-become-integrated-plans) 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), [cross-tested](https://blog.acgworldwide.com/topic/cross-tested), [integrated](https://blog.acgworldwide.com/topic/integrated) with [No Comments](https://blog.acgworldwide.com/when-cross-tested-plans-become-integrated-plans#comments-listing) Many 401(k) and profit sharing plans are set up to be cross-tested plans. (Most of those that aren't probably should be.) There are times, however, when using cross-testing is not the best way to satisfy the nondiscrimination rules. Sometimes, you mi... June 19 2019 ## [Participant Loan Basics](https://blog.acgworldwide.com/participant-loan-basics) 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), [participant loan](https://blog.acgworldwide.com/topic/participant-loan) with [No Comments](https://blog.acgworldwide.com/participant-loan-basics#comments-listing) Participant loans are a popular feature of 401(k)s and other qualified retirement plans. It is safe to say that if employees didn’t have the ability to borrow from their retirement account when times were tough, some number of these employees simply ... June 12 2019 ## [401(k) Word Search](https://blog.acgworldwide.com/401-k-fun-word-search) 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/401-k-fun-word-search#comments-listing) Hello summer. I have teenage girls so summer arrives with an energy in my house that is filled with sleepovers, karaoke, ice cream and late night laughter. Summer is a season where people slow down a bit to catch their breath. In a world so busy with... [« Previous](https://blog.acgworldwide.com/topic/401k/page/2) [1](https://blog.acgworldwide.com/topic/401k/page/1) [2](https://blog.acgworldwide.com/topic/401k/page/2) 3 [4](https://blog.acgworldwide.com/topic/401k/page/4) [5](https://blog.acgworldwide.com/topic/401k/page/5) ... 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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/)