February 06 2020

Issues with Independent Contractors and Pension Plans

A number of our retirement plan clients have independent contractors performing services for them.  There are often questions about whether these independent contractors can or should be covered in the company retirement plan.  The answer can be boil...

January 30 2020

What You Need to Know About the SECURE Act

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

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...

December 18 2019

Which Account Should You Tap First When You Begin to Draw Retirement Income?

Congratulations on your retirement. You’ve been preparing for this moment over the course of multiple decades, saving and investing as you should in order to live your retirement years on your own terms. You’ve just received your final paycheck, and ...

December 11 2019

The Pros and Cons of the Elapsed Time Method

Qualified retirement plans have a number of weird rules.  One of them is that sometimes one year doesn’t equal a year.  For instance, under the traditional hours of service crediting method, an employee can earn a year of vesting service in as little...

November 20 2019

The Stock Market’s at an All-Time High - Is Now the Time to Invest?

Buying low and selling high is easier said than done. Fear, greed, an inflated sense of forecasting and other biases constantly muddle the decisions of experts and novices alike. And yet, there’s a frequent scenario in which many investors adhere to ...

May 22 2019

Balanced Nutrition for Your Retirement Fund Portfolio

In my role as a 401(k) Relationship Manager, people often ask me about how to understand their mutual fund options. When it comes to investing, I encourage retirement plan participants to consider all the funds like options at a lavish Las Vegas buff...

March 13 2019

Six Easy Ways to Save AND Have a Life

As spring is on its way, after a long and cold winter, I’m excited about all the outdoor activities my family and I can start doing again. Whether it’s a day trip to historic Colonial sites, an excitement filled afternoon at an amusement park or chec...

February 20 2019

Convertible Arbitrage - What Is It and Why Should You Care?

When the stock market is late into a bull-cycle and bond yields aren’t providing enough income, investors are often left wondering where to turn. There are a number of solutions that ACG likes to include in its clients’ portfolios, and one of those s...

February 06 2019

Emotions and Money - An Uneasy Marriage

With Valentine’s Day coming up (ahhh, I’m looking forward to my favorite chocolate!), it’s time to talk about our relationship to money. The bogeyman for many people’s relationships is often money, budgeting and investing. For a lot of folks these ar...