A 401(k) is a retirement savings plan sponsored by the employer. This plan has the ability to allow you to defer taxes by making contributions from your paycheck pre-tax to grow tax-deferred or after-tax to grow tax-free, if the Roth option is part of your plan. Ask us which option is best for you. We will help you to create an asset allocation that best suits your needs.
We are 401(k) Fiduciaries Who
- Are 3(21) Investment advisors
- Are 3(38) Investment managers
- Receive no commission compensation
- Receive no revenue-sharing with mutual funds
- Provide objective advice for a level fee
- Are knowledgeable about the DOL Fiduciary Rule
Our 401(k) Plan Clients Receive
- Availability of low fee index funds
- Best of breed active mutual funds
- A choice of record-keepers
- A choice of third party administrators
- Full transparency regarding fees
We Help Company 401(k) Sponsors
- Comply with the Department of Labor Fiduciary Rule
- Check that 401(k) plan costs are reasonable
- Monitor performance of all plan investment choices
- Evaluate pros and cons of alternative 401(k) investment platforms
- Conduct a fiduciary check-up to monitor compliance
- Insulate plan trustees from liability as plan fiduciaries
See the 401(k) Resource Guide for details on 401(k) plans.
- Are 3(21) Investment advisors
- Are 3(38) Investment managers
- Receive no commission compensation
- Receive no revenue-sharing with mutual funds
- Provide objective advice for a level fee
- Are knowledgeable about the DOL Fiduciary Rule
Participate in a 401(k) Plan Contribution limits
- Are 3(21) Investment advisors
- Are 3(38) Investment managers
- Receive no commission compensation
- Receive no revenue-sharing with mutual funds
- Provide objective advice for a level fee
- Are knowledgeable about the DOL Fiduciary Rule
401(k) Plans for Small Businesses
- Are 3(21) Investment advisors
- Are 3(38) Investment managers
- Receive no commission compensation
- Receive no revenue-sharing with mutual funds
- Provide objective advice for a level fee
- Are knowledgeable about the DOL Fiduciary Rule
Form 1099s
IRS Form 1099 is used to report various types of income received by individuals or businesses. Its purpose is to inform the IRS about income that may be subject to taxation. If you receive a Form 1099, you are required to report...
18 Year Old
Congratulations! Your child just turned 18 and is a legal adult. While you’re undoubtedly thinking about college, jobs, and life after high school for your child, you also need to consider some legal documents that are not necessarily intuitive when...
Berkshire – Peak to Trough
Do you own shares of Berkshire Hathaway? You probably do. And you might know that Warren Buffett (perhaps the most successful investor ever) is the CEO of Berkshire and manages it conservatively. Berkshire owns a broadly diversified collection of more than 100...
Sacrificial Lamb
I took Latin in high school to satisfy my foreign language requirement, choosing it because I was interested in mythology taught in the class. I found the stories fascinating. One thing we learned about was haruspicy (huh-ruhs-puh-see)....
Gilligan’s Island
We hope you had a happy Thanksgiving full of friends, family, and fun. The stock market is down so far in 2022, so many people are assessing their portfolios. A good way to do this is through the Gilligan’s Island test, named after the 1960s TV show...
Bigger Is Not Always Better
A prospective client called the other day, concerned about the lack of attention from her current Financial Advisor. I asked her a few questions and realized why this was happening. It made me think that her situation was no different than many of yours. Her account...
Inflation Reduction Act of 2022
Jay and I have reviewed the Inflation Reduction Act. So, how might the Inflation Reduction Act affect you? Most likely, not much. There have been some scary headlines about thousands of new IRS agents being hired. I am not a fan of the IRS, but I am a fan of my kids,...
Getting Comfortable with Market Discomfort
My family and I just returned from an incredible experience in Greece and Turkey. It was the first real international experience for my kids (Finn – 14 years old and Ella – 7 years old). Greece felt...
Relationships Matter
Relationships Matter I have been in the money management business for over 26 years now. I have cultivated many relationships with clients over that timeframe and learned a great deal from those relationships. Relationships are one of my favorite parts of my job....
Why I am Bullish
Why I Am Bullish Lots of people are concerned about their finances right now. War in Ukraine, high prices at the gas pump, Washington’s dysfunctionality, baby formula shortages, inflation, higher interest rates, and the S&P...