Insurance Services

Advisory Services

Category: Uncategorized

Published
Categorized as Uncategorized

Roth 401(k)s: What to Know Before You Contribute

More employers are offering Roth 401(k)s inside their plans, making these accounts more accessible than ever. But just because your employer gives you the option doesn’t mean it’s automatically the right fit. If you’re considering contributing to a Roth 401(k) in 2025, there are several key rules we recommend you understand before making your move. … Continue reading Roth 401(k)s: What to Know Before You Contribute

Published
Categorized as Uncategorized

The Rise of 401(k) Millionaires: How to Catch Up

401(k) balances are climbing, and more Americans than ever are reaching a major milestone: becoming 401(k) millionaires. According to recent Fidelity data, the number of 401(k) accounts with balances over $1 million has soared to a record 595,000 in June 2025  – a 16% increase from the end of March 2025.¹ So, how are people… Continue reading The Rise of 401(k) Millionaires: How to Catch Up

Published
Categorized as Uncategorized

Is It Smart to Stop 401(k) Contributions to Pay Off Debt?

If you’re overwhelmed by high-interest debt, you might wonder: Should I stop 401(k) contributions to pay off debt? This is a deeply personal question and one without a one-size-fits-all answer. Debt can feel like a weight dragging your finances down.  And with high-interest rates, the cost of carrying credit card balances, personal loans, or even… Continue reading Is It Smart to Stop 401(k) Contributions to Pay Off Debt?

Published
Categorized as Uncategorized

Alternative Assets in 401(k)s: Big Changes Ahead?

As retirement plan rules continue to evolve, one area drawing attention is the inclusion of alternative assets in 401(k) plans. In early August 2025, the White House released an executive order that has pushed this issue further into the spotlight.  The order calls for improved access to alternative investments in retirement plans, along with increased… Continue reading Alternative Assets in 401(k)s: Big Changes Ahead?

Published
Categorized as Uncategorized

8 Life Events That May Require You to Revisit Your 401(k) Strategy

Your 401(k) shouldn’t be a “set it and forget it” investment. While automation makes saving for retirement easier, it doesn’t mean your account should be left untouched for years. Life happens. Big changes in your career, finances, or family life may affect your retirement goals more than you realize.  That’s why we believe it’s important… Continue reading 8 Life Events That May Require You to Revisit Your 401(k) Strategy

Published
Categorized as Uncategorized

Should I Rebalance My 401(k) Mid-Year?

Mid-year is a common time for people to reassess their finances – including their 401(k) strategy. From market changes to personal life events, the second half of the year often brings new information that could affect how investment allocations align with your goals and risk tolerance. One option some investors consider during these reviews is… Continue reading Should I Rebalance My 401(k) Mid-Year?

Published
Categorized as Uncategorized

The 401(k) Vesting Schedule: Why You Should Care

Depending on your 401(k) vesting schedule, it may take you up to 6 years to fully own your matching contributions. Unfortunately, the 401(k) vesting schedule isn’t always clear to everyone. In a recent Vanguard survey, “The firm found that only a third (33%) of respondents could correctly state whether their plan has a vesting schedule.”¹… Continue reading The 401(k) Vesting Schedule: Why You Should Care

Published
Categorized as Uncategorized

7 Strategies to Maximize 401(k) Savings in 2025

Whether you are planning to retire in 2 years or 20, you should be looking for ways to maximize 401(k) savings. Many Americans do not have nearly enough to retire, according to recent reports. According to the Retirement Income Institute and Alliance for Lifetime Income, “Thirty million Americans are expected to retire between 2024 and… Continue reading 7 Strategies to Maximize 401(k) Savings in 2025

Published
Categorized as Uncategorized

15 Ways to Save Money on Extracurricular Activities

As the school year creeps closer, most parents are laser-focused on notebooks, backpacks, and new shoes.  But there’s another major expense waiting just around the corner – and it’s one that often flies under the radar until it’s too late: Extracurricular activities. Whether it’s soccer, piano, art, or dance, after-school activities aren’t free – and… Continue reading 15 Ways to Save Money on Extracurricular Activities