Retirement Planning

The Power of the Solo 401(k)

For self-employed individuals, a SEP IRA may be the first retirement plan that comes to mind—but it isn’t the only option. Nick Allen explains how a Solo 401(k) can offer higher contribution potential, Roth savings, and added flexibility for sole proprietors, LLC owners, S-corp owners, and 1099 workers.

The "milk in your coffee" problem: what the IRS pro rata rule means for your backdoor Roth

Thinking about a backdoor Roth IRA contribution? The IRS pro rata rule could create an unexpected tax bill if you have pre-tax money in a Traditional, SEP, or SIMPLE IRA. Ben Allen breaks down how the rule works, why it matters, and what to consider before making a conversion.

How Elevated Real Yields Shape Investment Decisions

Treasury yields have climbed to their highest levels in years, creating both opportunities and challenges for investors. In this edition of Investment Corner, Co-Chief Investment Officer & Chief Operating Officer Summit Puri explains what rising interest rates and real yields mean for stocks, bonds, inflation, and why maintaining a balanced portfolio is more important than ever.

The "Perfect" Amount - Retiring Comfortably

Is there a magic number for retirement? Not exactly. In this article, Associate Financial Advisor Ethan Barry explains why a successful retirement is about more than reaching a savings milestone—it's about creating a personalized income strategy that aligns with your goals, lifestyle, and long-term financial needs.

New for 2026: How Charitable Cash Contributions Can Help Lower Your Tax Bill

New tax rules for 2026 could create additional opportunities for taxpayers who make charitable cash contributions—even if they take the standard deduction. In this article, Financial Advisor Andrew Young explains how the updated deduction works, who qualifies, and how thoughtful charitable planning can maximize both your generosity and your tax savings.

Why Doing “Nothing” is Sometimes the Smartest Move

Market volatility can make investors feel like they need to act—but sometimes the wisest decision is to stay the course. In this article, Financial Advisor Nick Allen explains why patience, discipline, and a long-term investment strategy can help investors avoid costly emotional decisions during uncertain markets.

Mid-Year Outlook 2026: Key Investor Lessons for the Second Half of the Year

The first half of 2026 reminded investors that headlines don't always dictate market performance. Despite inflation, geopolitical tensions, and ongoing uncertainty, diversified portfolios continued to benefit from staying invested and focused on long-term goals.

Understanding the SECURE Act 2.0

Beginning in 2026, higher-income employees will face new rules for 401(k) catch-up contributions under SECURE Act 2.0. In this article, Associate Financial Advisor Mica Dauch explains who is affected, why the change was made, and what it means for your retirement savings strategy.

When Should You Claim Social Security? Key Factors to Consider Before Filing

Deciding when to claim Social Security is one of the most important retirement decisions you'll make. In this article, Associate Financial Advisor Mica Dauch explains the advantages of delaying benefits, important earnings limits to understand, special considerations for married couples, and how the breakeven age can help guide your claiming strategy.

Why Doing “Nothing” is Sometimes the Smartest Move

Market volatility can tempt investors into making emotional decisions at exactly the wrong time. In this article, Financial Advisor Nick Allen explains why staying disciplined, trusting your long-term plan, and resisting the urge to react during downturns can often lead to better financial outcomes.

ESOP Strategies That Work: How to Diversify, Reduce Taxes, and Protect Your Retirement

An Employee Stock Ownership Plan (ESOP) can become one of your greatest retirement assets—or one of your biggest risks if left unmanaged. In this article, Associate Financial Advisor Joseph Browning explains the three critical phases of ESOP planning: understanding your plan, diversifying strategically, and creating a tax-aware retirement income strategy.

Thrift Savings Plan - Is Roth Conversion Right for You?

The Thrift Savings Plan now allows in-plan Roth conversions, giving federal employees and military members new flexibility in managing retirement taxes. But while this strategy can unlock tax-free growth, it also comes with important rules, timing considerations, and potential pitfalls that require careful planning.