--- title: ACG Blog | Retirement (4) description: Retirement | ACG Blog (4) --- [![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 14 2018 ## [Can You Have a Maximum DB Plan Without Much Current Compensation? Yes, SIR!](https://blog.acgworldwide.com/maximum-db-plan-without-much-compensation-yes-sir) 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), [defined benefit](https://blog.acgworldwide.com/topic/defined-benefit) with [No Comments](https://blog.acgworldwide.com/maximum-db-plan-without-much-compensation-yes-sir#comments-listing) It is generally the case that the more compensation one earns, the bigger the contributions and benefits he may receive from a qualified retirement plan. The limits on salary deferrals in 401(k) plans, annual additions in defined contribution plans, ... November 07 2018 ## [Qualified Plan, IRA and Social Security Limits Announced for 2019](https://blog.acgworldwide.com/qualified-plan-ira-social-security-limits-2019) 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-2019#comments-listing) The IRS, Pension Benefit Guaranty Corporation (PBGC) and Social Security Administration (SSA) have announced 2019 contribution and benefit limits and other numbers of interest. Many of these can be found here. Most limits and thresholds will see mode... July 18 2018 ## [Vesting Rules Determine How Much of Your Retirement Account You Own](https://blog.acgworldwide.com/vesting-rules-determine-how-much-of-your-retirement-account-you-own) 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) with [No Comments](https://blog.acgworldwide.com/vesting-rules-determine-how-much-of-your-retirement-account-you-own#comments-listing) In qualified retirement plans, vesting refers to what portion of your benefit you get to take with you when you receive a payout from the plan. It’s how much of your account you “own.” If you are 100 percent vested, it means you are entitled to recei... July 11 2018 ## [Three Easy Steps to Reducing Your Financial Anxiety in Retirement](https://blog.acgworldwide.com/three-easy-steps-to-reducing-your-financial-anxiety-in-retirement) Posted by [Gregory Doepke, CFP®, CAP®](https://blog.acgworldwide.com/author/gregory-doepke-cfp-cap) in [Retirement](https://blog.acgworldwide.com/topic/retirement) with [No Comments](https://blog.acgworldwide.com/three-easy-steps-to-reducing-your-financial-anxiety-in-retirement#comments-listing) You are retired. Congratulations! It has been a long time coming, and you are now enjoying your new freedom, flexibility and options as to how you spend your days. You may be spending time with your grandchildren, traveling, pursuing a new passion or... January 11 2018 ## [Best New Year's Resolution for Retirement Savings](https://blog.acgworldwide.com/best-new-years-resolution-for-retirement-savings) 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), [Financial Planning](https://blog.acgworldwide.com/topic/financial-planning), [Asset Allocation](https://blog.acgworldwide.com/topic/asset-allocation) with [No Comments](https://blog.acgworldwide.com/best-new-years-resolution-for-retirement-savings#comments-listing) I don’t know about you, but it’s hard for me to believe that it’s a new year already. Where did 2017 go? A client recently asked me if I could recommend one piece of advice for retirement savings in the New Year, what would it be? My overwhelming res... December 20 2017 ## [Investment Considerations for Cash Balance Plans](https://blog.acgworldwide.com/investment-considerations-cash-balance-plans) 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), [defined contribution](https://blog.acgworldwide.com/topic/defined-contribution) with [No Comments](https://blog.acgworldwide.com/investment-considerations-cash-balance-plans#comments-listing) Cash balance plans have gained in popularity over the last number of years because of the tax savings opportunities available to high-earning business owners and executives. Cash balance plans offer characteristics of both defined contribution plans,... November 29 2017 ## [What You Need to Understand About Risk Tolerance and Time Horizon](https://blog.acgworldwide.com/what-you-need-to-understand-about-risk-tolerance-and-time-horizon) 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), [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/what-you-need-to-understand-about-risk-tolerance-and-time-horizon#comments-listing) When deciding how to invest your money, the most important question is, “How much risk should I take?” Your answer can mean the difference between meeting your goals—for example, retiring when and how you want—and falling short of them. Unfortunately... November 22 2017 ## [Charging Fees to Terminated Plan Participants Okay in Some Cases](https://blog.acgworldwide.com/charging-fees-to-terminated-plan-participants-okay-in-some-cases) 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), [defined contribution](https://blog.acgworldwide.com/topic/defined-contribution) with [No Comments](https://blog.acgworldwide.com/charging-fees-to-terminated-plan-participants-okay-in-some-cases#comments-listing) When an employee leaves a small company, the expectation is that he will withdraw his 401(k) money at the same time. While former employees of larger companies often leave their 401(k) money in the plan until retirement, small companies have less tol... 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) [« Previous](https://blog.acgworldwide.com/topic/retirement/page/3) [2](https://blog.acgworldwide.com/topic/retirement/page/2) [3](https://blog.acgworldwide.com/topic/retirement/page/3) 4 [5](https://blog.acgworldwide.com/topic/retirement/page/5) [6](https://blog.acgworldwide.com/topic/retirement/page/6) ... 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