The Secure Act 2.0: How It Impacts Employers

The Secure Act 2.0 is now law and its features are impacting employers everywhere. Inside the new bill are dozens of retirement policy changes set to go into effect over the next decade. However, as an employer, you’ll be...

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What is a Self-Employed (Solo) 401(k)?

You’ve likely heard of a 401(k) plan. However, you may be unfamiliar with its solopreneur variation - the self-employed (solo) 401(K). The solo 401(k) can be an ideal retirement account for the right type of business owner. Its benefits are...

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When Should You Take Your Social Security?

Ever since President Franklin D. Roosevelt signed off on the 1935 Social Security Act, most Americans have ended up pondering this critical question as they approach retirement: “When should I (or we) start taking my (or our) Social Security?” And yet,...

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Introduction to CalSavers – California’s Mandatory Retirement Plan

California has taken legislative action that requires retirement plans to be offered through employers. Business owners need to be aware of the CalSavers program, as well as its recent legal expansion that impacts more employers than ever before. In this...

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Our Fund Selection Process: How We Choose The Funds We Use

Does it seem like there’s been an extra level of uncertainty lately, threatening your investment plans? Of course, there are always big events going on; that’s the world for you. But today’s brew of geopolitical threats, inflation trends, rising...

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What is a Recession? Six Ways a Recession Resembles a Bad Mood

There’s been a lot of talk about recessions lately: Whether one is near, far, or perhaps already here. Whether we can or should try to avoid it. What it even means to be in a recession, and how it’s...

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Fighter Planes and Surviving Bear Markets

Have you been reading the daily headlines—watching markets stall, recover, and dip once again? If so, you may be wondering whether there’s anything you can do to avoid the motion sickness. If you already have a well-structured, globally diversified portfolio...

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5 Reasons for a Passive (Buy and Hold) Investment Strategy

Studies have shown that it is highly unlikely investors will be able to exploit market inefficiencies after accounting for the expenses of the effort. If the majority of investors understood the true benefits of a buy-and-hold strategy, some of...

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3 Questions to Ask Your Prospective Financial Planner

Whether you enjoy managing your own finances or not, most of us, at some point, would benefit from hiring someone with more training and experience. But with so many prospective advisors vying for our attention, sorting through the choices...

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California Retirement Mandate 2022

California State Mandated Retirement Plans State and federal governments are shifting the responsibility of retirement saving onto business owners by requiring employers with at least five or more employees to offer retirement plans for their employees by June 30, 2022,...

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