--- title: ACG Blog | Wealth Management (2) description: Wealth Management | ACG Blog (2) --- [![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 April 21 2022 ## [Are You Using the Right Investment Vehicle?](https://blog.acgworldwide.com/are-you-using-the-right-investment-vehicle) Posted by [Jimmy Pickert, CFA®, CFP®, CRPS®](https://blog.acgworldwide.com/author/jimmy-pickert-cfa-crps) in [Investments](https://blog.acgworldwide.com/topic/investments), [Wealth Management](https://blog.acgworldwide.com/topic/wealth-management), [Tax Strategy](https://blog.acgworldwide.com/topic/tax-strategy), [Asset Allocation](https://blog.acgworldwide.com/topic/asset-allocation) with [No Comments](https://blog.acgworldwide.com/are-you-using-the-right-investment-vehicle#comments-listing) One way to reduce your tax drag is to use more tax-efficient vehicles. By vehicle, we mean the format or type of product that you are using in your portfolio. For example, you can invest in the S&P 500 through several types of investment vehicles... January 27 2022 ## [CEO Sandy Wiggins Speaks on "The Great Resignation"](https://blog.acgworldwide.com/ceo-sandy-wiggins-speaks-on-the-great-resignation) Posted by [Dylan Mills](https://blog.acgworldwide.com/author/dylan-mills) in [401(k)](https://blog.acgworldwide.com/topic/401k), [Wealth Management](https://blog.acgworldwide.com/topic/wealth-management), [covid-19](https://blog.acgworldwide.com/topic/covid-19), [retirement plan](https://blog.acgworldwide.com/topic/retirement-plan) with [No Comments](https://blog.acgworldwide.com/ceo-sandy-wiggins-speaks-on-the-great-resignation#comments-listing) A record number of American workers left their jobs in November 2021. Check out the below video for an interview with Sandy Wiggins, CEO of ACG Wealth Management, about what caused this, how this "Great Resignation" can actually be a positive moving ... March 11 2021 ## [Did you pay back your RMD last year? Make sure your CPA knows.](https://blog.acgworldwide.com/did-you-pay-back-your-rmd-last-year-make-sure-your-cpa-knows) Posted by [Jimmy Pickert, CFA®, CFP®, CRPS®](https://blog.acgworldwide.com/author/jimmy-pickert-cfa-crps) in [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), [distribution planning](https://blog.acgworldwide.com/topic/distribution-planning), [covid-19](https://blog.acgworldwide.com/topic/covid-19), [retirement plan](https://blog.acgworldwide.com/topic/retirement-plan) with [No Comments](https://blog.acgworldwide.com/did-you-pay-back-your-rmd-last-year-make-sure-your-cpa-knows#comments-listing) In 2020, as part of the CARES Act COVID-19 relief bill, Congress waived the requirement to take a minimum distribution from certain retirement accounts. The waiver wasn’t enacted until March, though, and by then many investors had already taken some ... August 19 2020 ## [RMDs Aren’t Required in 2020](https://blog.acgworldwide.com/rmds-arent-required-in-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), [Investments](https://blog.acgworldwide.com/topic/investments), [Wealth Management](https://blog.acgworldwide.com/topic/wealth-management), [Financial Planning](https://blog.acgworldwide.com/topic/financial-planning), [distribution planning](https://blog.acgworldwide.com/topic/distribution-planning), [covid-19](https://blog.acgworldwide.com/topic/covid-19) with [No Comments](https://blog.acgworldwide.com/rmds-arent-required-in-2020#comments-listing) You may recall that the CARES Act says required minimum distributions (RMDs) don’t have to be taken in 2020 from IRAs and many employer retirement plans. This seems like a pretty simple concept, but it’s not. There were a number of unanswered questio... July 08 2020 ## [IRS Issues Further Details on Distributions and Plan Loans Under CARES Act](https://blog.acgworldwide.com/irs-issues-further-details-on-distributions-and-plan-loans-under-cares-act) 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), [Investments](https://blog.acgworldwide.com/topic/investments), [Wealth Management](https://blog.acgworldwide.com/topic/wealth-management), [Financial Planning](https://blog.acgworldwide.com/topic/financial-planning), [distribution planning](https://blog.acgworldwide.com/topic/distribution-planning), [participant loan](https://blog.acgworldwide.com/topic/participant-loan), [irs](https://blog.acgworldwide.com/topic/irs), [covid-19](https://blog.acgworldwide.com/topic/covid-19) with [No Comments](https://blog.acgworldwide.com/irs-issues-further-details-on-distributions-and-plan-loans-under-cares-act#comments-listing) The CARES Act, signed into law on March 27, 2020, allows employees affected by COVID-19 greater access to money set aside for them in employer retirement plans. As often happens, many details of this new law were not immediately clear. We found ourse... 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... December 18 2019 ## [Which Account Should You Tap First When You Begin to Draw Retirement Income?](https://blog.acgworldwide.com/which-account-should-you-tap-first) Posted by [Jimmy Pickert, CFA®, CFP®, CRPS®](https://blog.acgworldwide.com/author/jimmy-pickert-cfa-crps) in [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/which-account-should-you-tap-first#comments-listing) 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](https://blog.acgworldwide.com/the-pros-and-cons-of-the-elapsed-time-method) Posted by [David J. Kupstas, FSA, EA, MSEA](https://blog.acgworldwide.com/author/david-j-kupstas-fsa-ea-msea) in [Investments](https://blog.acgworldwide.com/topic/investments), [Wealth Management](https://blog.acgworldwide.com/topic/wealth-management), [Market Performance](https://blog.acgworldwide.com/topic/market-performance), [Financial Planning](https://blog.acgworldwide.com/topic/financial-planning) with [No Comments](https://blog.acgworldwide.com/the-pros-and-cons-of-the-elapsed-time-method#comments-listing) 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 a... November 20 2019 ## [The Stock Market’s at an All-Time High - Is Now the Time to Invest?](https://blog.acgworldwide.com/the-stock-markets-at-an-all-time-high-is-now-the-time-to-invest) Posted by [Jimmy Pickert, CFA®, CFP®, CRPS®](https://blog.acgworldwide.com/author/jimmy-pickert-cfa-crps) in [Investments](https://blog.acgworldwide.com/topic/investments), [Wealth Management](https://blog.acgworldwide.com/topic/wealth-management), [Market Performance](https://blog.acgworldwide.com/topic/market-performance), [Financial Planning](https://blog.acgworldwide.com/topic/financial-planning) with [No Comments](https://blog.acgworldwide.com/the-stock-markets-at-an-all-time-high-is-now-the-time-to-invest#comments-listing) 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 ... 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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/)