--- title: ACG Blog | Retirement description: Retirement | ACG Blog --- [![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 2023 ## [Beer Markets: Interest Rates, Earnings, & Consumer Spending](https://blog.acgworldwide.com/beer-markets-episode10) Posted by [J. Saunders Wiggins, CFP®, AIF®](https://blog.acgworldwide.com/author/j-saunders-wiggins-cfp-aif) in [Retirement](https://blog.acgworldwide.com/topic/retirement), [Wealth Management](https://blog.acgworldwide.com/topic/wealth-management), [Market Performance](https://blog.acgworldwide.com/topic/market-performance) with [No Comments](https://blog.acgworldwide.com/beer-markets-episode10#comments-listing) Episode 10 of "Beer Markets" is now available! In this episode of Beer Markets, Bobby Moyer is joined by ACG Wealth Management President & CEO Sandy Wiggins to discuss the latest financial and economic news headlines, including interest rates, ea... September 21 2023 ## [Beer Markets: UAW Strike's Effect on the Economy](https://blog.acgworldwide.com/beer-markets-episode9) Posted by [J. Saunders Wiggins, CFP®, AIF®](https://blog.acgworldwide.com/author/j-saunders-wiggins-cfp-aif) in [Retirement](https://blog.acgworldwide.com/topic/retirement), [Wealth Management](https://blog.acgworldwide.com/topic/wealth-management), [Market Performance](https://blog.acgworldwide.com/topic/market-performance) with [No Comments](https://blog.acgworldwide.com/beer-markets-episode9#comments-listing) Episode 9 of "Beer Markets" is now available! In this episode of Beer Markets, Bobby Moyer is joined by ACG Wealth Management President & CEO Sandy Wiggins to discuss the latest financial and economic news headlines, including the UAW strike and ... August 18 2023 ## [Beer Markets: U.S. Credit Rating Downgrade](https://blog.acgworldwide.com/beer-markets-episode8) Posted by [J. Saunders Wiggins, CFP®, AIF®](https://blog.acgworldwide.com/author/j-saunders-wiggins-cfp-aif) in [Retirement](https://blog.acgworldwide.com/topic/retirement), [Wealth Management](https://blog.acgworldwide.com/topic/wealth-management), [Market Performance](https://blog.acgworldwide.com/topic/market-performance) with [No Comments](https://blog.acgworldwide.com/beer-markets-episode8#comments-listing) Episode 8 of "Beer Markets" is now available! In this episode of Beer Markets, Bobby Moyer is joined by ACG Wealth Management President & CEO Sandy Wiggins to discuss the latest financial and economic news headlines, including the recent downgrad... June 16 2023 ## [Beer Markets: Breaking Down the Fed Pause](https://blog.acgworldwide.com/beer-markets-episode2-0-0-0-0) Posted by [J. Saunders Wiggins, CFP®, AIF®](https://blog.acgworldwide.com/author/j-saunders-wiggins-cfp-aif) in [Retirement](https://blog.acgworldwide.com/topic/retirement), [Wealth Management](https://blog.acgworldwide.com/topic/wealth-management), [Market Performance](https://blog.acgworldwide.com/topic/market-performance) with [No Comments](https://blog.acgworldwide.com/beer-markets-episode2-0-0-0-0#comments-listing) Episode 6 of "Beer Markets" is now available! In this episode of Beer Markets, Bobby Moyer is joined by ACG Wealth Management President & CEO Sandy Wiggins to discuss the latest financial and economic news headlines, most notably the Fed's recent... May 18 2023 ## [Beer Markets: More Like Dull Markets](https://blog.acgworldwide.com/beer-markets-episode2-0-0-0) Posted by [J. Saunders Wiggins, CFP®, AIF®](https://blog.acgworldwide.com/author/j-saunders-wiggins-cfp-aif) in [Retirement](https://blog.acgworldwide.com/topic/retirement), [Wealth Management](https://blog.acgworldwide.com/topic/wealth-management), [Market Performance](https://blog.acgworldwide.com/topic/market-performance) with [No Comments](https://blog.acgworldwide.com/beer-markets-episode2-0-0-0#comments-listing) Episode 5 of "Beer Markets" is now available! In this episode of Beer Markets, Bobby Moyer is joined by ACG Wealth Management President & CEO Sandy Wiggins to discuss the latest financial and economic news headlines, including the current "dull m... April 20 2023 ## [Beer Markets: Housing Market, The Fed, & Earnings Expectations](https://blog.acgworldwide.com/beer-markets-episode2-0-0) Posted by [J. Saunders Wiggins, CFP®, AIF®](https://blog.acgworldwide.com/author/j-saunders-wiggins-cfp-aif) in [Retirement](https://blog.acgworldwide.com/topic/retirement), [Wealth Management](https://blog.acgworldwide.com/topic/wealth-management), [Market Performance](https://blog.acgworldwide.com/topic/market-performance) with [No Comments](https://blog.acgworldwide.com/beer-markets-episode2-0-0#comments-listing) Episode 4 of "Beer Markets" is now available! In this episode of Beer Markets Bobby Moyer is joined by ACG Wealth Management President & CEO Sandy Wiggins to discuss the latest financial and economic news headlines including the housing market, t... April 03 2023 ## [Contribution Options for Small Cash Balance and Defined Benefit Plans](https://blog.acgworldwide.com/contribution-options-for-small-cash-balance-and-defined-benefit-plans) 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), [defined benefit](https://blog.acgworldwide.com/topic/defined-benefit), [cash balance](https://blog.acgworldwide.com/topic/cash-balance) with [No Comments](https://blog.acgworldwide.com/contribution-options-for-small-cash-balance-and-defined-benefit-plans#comments-listing) At the end of the plan year, some of our small cash balance (CB) and traditional defined benefit (DB) clients will contact us wanting to know what “the” contribution is for the previous year, as though there was a single option for what they are requ... March 16 2023 ## [Beer Markets: Banking Concerns, Jobs Report, & More](https://blog.acgworldwide.com/beer-markets-episode2-0) Posted by [J. Saunders Wiggins, CFP®, AIF®](https://blog.acgworldwide.com/author/j-saunders-wiggins-cfp-aif) in [Retirement](https://blog.acgworldwide.com/topic/retirement), [Wealth Management](https://blog.acgworldwide.com/topic/wealth-management), [Market Performance](https://blog.acgworldwide.com/topic/market-performance) with [No Comments](https://blog.acgworldwide.com/beer-markets-episode2-0#comments-listing) Episode 3 of "Beer Markets" is now available! In this episode of "Beer Markets" Bobby Moyer is joined by ACG Wealth Management President & CEO Sandy Wiggins to discuss the latest news headlines including Silvergate, Silicon Valley Bank, and the j... February 16 2023 ## [Beer Markets Podcast: ChatGPT, CPI, & More](https://blog.acgworldwide.com/beer-markets-episode2) Posted by [J. Saunders Wiggins, CFP®, AIF®](https://blog.acgworldwide.com/author/j-saunders-wiggins-cfp-aif) in [Retirement](https://blog.acgworldwide.com/topic/retirement), [Wealth Management](https://blog.acgworldwide.com/topic/wealth-management), [Market Performance](https://blog.acgworldwide.com/topic/market-performance) with [No Comments](https://blog.acgworldwide.com/beer-markets-episode2#comments-listing) At ACG, we are always looking for new ways to engage and educate the community on the world of finance. As a result of this continuous effort, we have decided to start our own podcast titled "Beer Markets." In this podcast, ACG Wealth Management CIO ... January 20 2023 ## [SECURE 2.0: Lots (and Lots) of New Retirement Plan Rules](https://blog.acgworldwide.com/secure-2.0-lots-and-lots-of-new-retirement-plan-rules) 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), [defined benefit](https://blog.acgworldwide.com/topic/defined-benefit), [pbgc](https://blog.acgworldwide.com/topic/pbgc), [secure act](https://blog.acgworldwide.com/topic/secure-act), [SIMPLE](https://blog.acgworldwide.com/topic/simple), [IRA](https://blog.acgworldwide.com/topic/ira), [SEP](https://blog.acgworldwide.com/topic/sep), [Roth](https://blog.acgworldwide.com/topic/roth), [SECURE 2.0](https://blog.acgworldwide.com/topic/secure-2-0) with [No Comments](https://blog.acgworldwide.com/secure-2.0-lots-and-lots-of-new-retirement-plan-rules#comments-listing) By now, you have likely heard of the new law called SECURE 2.0. It was passed at the end of 2022 as part of the big omnibus spending bill and contains numerous provisions relating to qualified retirement plans and IRAs. It is a follow-up of sorts to ... 1 [2](https://blog.acgworldwide.com/topic/retirement/page/2) [3](https://blog.acgworldwide.com/topic/retirement/page/3) [4](https://blog.acgworldwide.com/topic/retirement/page/4) [5](https://blog.acgworldwide.com/topic/retirement/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/)