Utilizing Your HSA Plan November 7, 2018 Discrimination testing is part of most of our lives if we participate in a non-Safe Harbor retirement plan. Discrimination testing (also known as ADP/ACP testing) is performed each year...
Easy Button November 7, 2018 I recently had the opportunity to recall and relate to a well branded marketing campaign – the “Easy Button”. Introduced by a national big box retailer to businesses and consumers, the strategy...
Incentives Matter November 7, 2018 First day, freshman year of college, Microeconomics 101 class. Two words were written on the white board: Incentives Matter...
Charitable Gifts under the 2018 Tax Act November 7, 2018 It’s November and the final quarter of 2018 is underway. The approach of December 31st signals not just the coming of New Year’s Eve but the deadline for charitable contributions for the current year...
Estate Planning in a Digital World July 2, 2018 A generation ago, a postman delivered your mail, you kept photos in albums, documents in file cabinets, and your money was generally in an account...
Revisiting 2012's Retirement Plan Fee Disclosure July 2, 2018 Are your retirement plan fees clearly identified and understandable? They should be...
The Importance of Trade July 2, 2018 An important part of our jobs is to separate noise and biased nonsense from the underlying truths and realities that might make a difference in how we view...
Why Not "Trust" Yourself April 2, 2018 Every estate planner will tell you that you should have a will, and they are right. Basic estate planning documents like a will, power of attorney, etc. are a real necessity for almost everyone. However, many people...
When Fed Tightening Meets Equity Overvaluation April 2, 2018 That equity markets have been relatively price volatile thus far in 2018 may be an understatement. By early February...
It's Deja Vu All Over Again April 2, 2018 Just like Yogi Berra, the famous baseball player, once said, “It’s déjà vu all over again”! Spring is here again...
The Truth about 401(k) True Ups! April 2, 2018 Each year, we predictably get from employers this question; “Why must we true up our retirement plan if we’re matching the employee deferrals each pay period?
What does the new tax bill mean for Retirement Plans? January 12, 2018 In the beginning, there were many proposed changes that would have turned the retirement plan world upside down! Including capping the pre-tax 401(k) contribution to...
Four Horsemen January 12, 2018 Equity investors managed to put much more space between their portfolio's market value and 2008, by a nice margin. Several things fell into place to make...
Happy New (Tax) Year! January 12, 2018 In case you were indulging in too much egg nog and missed the news, Congress pass a new Income Tax Act effective for the 2018 tax year. While dissecting exactly what this act means to you...