ACG Blog

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...

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 ...

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 ...

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...

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...

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...

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...

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 ...

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...

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 ...