--- title: ACG Blog | 401(k) (6) description: 401(k) | ACG Blog (6) --- [![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 November 08 2017 ## [Top-Paid Group Election for HCEs May Help Plan Compliance Testing](https://blog.acgworldwide.com/top-paid-group-election-for-hces-may-help-plan-compliance-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) with [No Comments](https://blog.acgworldwide.com/top-paid-group-election-for-hces-may-help-plan-compliance-testing#comments-listing) Not everybody is familiar with precise definitions of pension terms like Highly Compensated Employee, but most of us would agree that someone with an annual salary of $500,000 sounds like an HCE. In most cases, we’d be right. But there is one instanc... October 27 2017 ## [IRS, PBGC, SSA Release 2018 Cost-of-Living Increases](https://blog.acgworldwide.com/irs-pbgc-ssa-release-2018-cost-of-living-increases) 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/irs-pbgc-ssa-release-2018-cost-of-living-increases#comments-listing) September 27 2017 ## [What You Need to Know Before Adopting a 401(k) Plan](https://blog.acgworldwide.com/what-you-need-to-know-before-adopting-a-401k-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/what-you-need-to-know-before-adopting-a-401k-plan#comments-listing) The beauty of a 401(k) plan is the flexibility it offers. As a business owner, your main priority may be to offer a 401(k) plan to attract top talent. Or you may want to have a 401(k) plan to reduce taxes by offering a match or a profit-sharing compo... July 26 2017 ## [Baby Boomer Close to Retirement? Here’s How to Prepare.](https://blog.acgworldwide.com/baby-boomer-close-to-retirement-how-to-prepare) Posted by [Bobby Moyer, CFA, CFP®, CAIA](https://blog.acgworldwide.com/author/bobby-moyer-cfa-cfp-caia) in [401(k)](https://blog.acgworldwide.com/topic/401k), [Retirement](https://blog.acgworldwide.com/topic/retirement) with [No Comments](https://blog.acgworldwide.com/baby-boomer-close-to-retirement-how-to-prepare#comments-listing) Are you a Baby Boomer close to retirement without the savings you need? If you’re still not ready to retire, you’re not alone. Every day, 10,000 Baby Boomers retire. Yet, 78% of 50-year-olds and 74% of 60-year-olds are behind in saving for retirement... July 19 2017 ## [5 Reasons Why You Need to Revisit Your 401(k) Plan Design](https://blog.acgworldwide.com/revisit-your-retirement-plan-design) 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/revisit-your-retirement-plan-design#comments-listing) Are you guilty of having a 401(k) plan but can’t remember plan design or investment menu? If you answered yes, you are not alone. Many plan sponsors let their plan run on autopilot once it’s up and running, but it may be time to rethink your position... July 05 2017 ## [Top-Heavy Retirement Plan: A Weighty Subject to Tackle](https://blog.acgworldwide.com/top-heavy-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) with [No Comments](https://blog.acgworldwide.com/top-heavy-retirement-plan#comments-listing) June 01 2017 ## [Figuring a Sole Proprietor’s Earned Income Will Have You Going in Circles](https://blog.acgworldwide.com/calculating-sole-proprietor-earned-income-will-have-you-going-in-circles) 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/calculating-sole-proprietor-earned-income-will-have-you-going-in-circles#comments-listing) Recently, we wrote about the challenges of determining retirement plan compensation for owners of S Corporations. Today, we will take a look at how plan compensation for sole proprietors is determined. The task is a bit harder for sole proprietors th... May 12 2017 ## [Measuring Service in Pensions: Something They Didn’t Teach in Nursery School](https://blog.acgworldwide.com/measuring-service-in-pensions-something-they-didnt-teach-in-nursery-school) 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/measuring-service-in-pensions-something-they-didnt-teach-in-nursery-school#comments-listing) Do you remember any songs from nursery school? I remember one that went something like this: "It’s time, time, time. It’s tickety time to tell time. And if you didn’t know what time it was, You’d have the most horrible, simply deplorable Tickety-tock... May 10 2017 ## [Tips for Virginia Dental Practice Owners to Save More in Taxes Through 401(k) Plan Design](https://blog.acgworldwide.com/virginia-dental-practice-owners-save-more-taxes-401k-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), [Wealth Management](https://blog.acgworldwide.com/topic/wealth-management) with [No Comments](https://blog.acgworldwide.com/virginia-dental-practice-owners-save-more-taxes-401k-plan-design#comments-listing) Owning a dental practice can be very lucrative, but achieving financial success is not an easy road for dentists. April 19 2017 ## [Retirement Plan Compensation in an S Corp: What Counts, What Doesn’t](https://blog.acgworldwide.com/retirement-plan-compensation-in-an-s-corp) 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/retirement-plan-compensation-in-an-s-corp#comments-listing) How much money do you make? How much did you make last year? For most of us, that is a fairly easy question. If you don’t know offhand, you can pull out a pay stub, tax return, or Form W-2 and get the answer. [« Previous](https://blog.acgworldwide.com/topic/401k/page/5) [4](https://blog.acgworldwide.com/topic/401k/page/4) [5](https://blog.acgworldwide.com/topic/401k/page/5) 6 [7](https://blog.acgworldwide.com/topic/401k/page/7) [8](https://blog.acgworldwide.com/topic/401k/page/8) ... 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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/)