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Spend less time worrying about your financial life. Successful individuals and families need different tools to preserve and grow wealth. We help our clients understand their options and develop strategies to meet multi-generational and philanthropic goals.
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Get the investment advice that’s right for you. We follow a disciplined due diligence process to ensure that we fully understand the investments that we recommend. Our thorough process allows us to create strategies that match our clients’ investment goals and objectives.
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Company retirement plans are important to us. Our team of actuaries and analysts can provide the high level of attention and service that our clients deserve. We handle the day-to-day details and ever-changing regulations of company retirement plans.
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Retirement Plans are flexible. We educate businesses on plan design possibilities. Whether a client’s goal is to attract top talent, maximize tax-savings for the company’s principals or achieve other unique objectives, we have the expertise to customize a plan specifically for our clients.
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Keep and grow the wealth you’ve worked so hard to build. The tax code is vast, yet certain regulations provide opportunities to minimize your tax bill. Working closely with our clients and their other advisors, we identify strategies to help our clients keep more of what they have earned.
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Participant loans are a popular feature of 401(k)s and other qualified retirement plans. It is safe to say that if employees didn’t have the ability to borrow from their retirement account when times were tough, some number of these employees simply wouldn’t contribute to the plan in the first place. This article goes over some of the rules related to participant loans.
Loans Are Deemed Taxable Distributions until Proven Otherwise
The first thing the Internal Revenue Code says about participant loans is, if you take a loan, it’s treated as a taxable distribution from the plan. That’s pretty harsh. Fortunately, there are some exceptions that, if met, will allow the participant loan not to be deemed a distribution. These are the common rules about participant loans that are familiar to many. To avoid a deemed distribution, loans must be:
Participant Loan Basics
Hello summer.
I have teenage girls so summer arrives with an energy in my house that is filled with sleepovers, karaoke, ice cream and late night laughter. Summer is a season where people slow down a bit to catch their breath. In a world so busy with meetings, deadlines and projects, it can be nearly impossible to downshift. To celebrate summer and a downshift, I am replacing my blog post with a word search.
For a print version, click anywhere in the word search to bring up a printable pdf.
401(k) Word Search
See our recap of May's key statistics and market commentary below.
Noteworthy Numbers
The S&P 500 suffered its first monthly loss of 2019. The index fell 6.35% during the month, but it is still positive by 10.74% year-to-date.
The yield on the 10-year Treasury bond finished the month yielding 2.14%. The yield at the end of April was 2.51% and started the year yielding 2.69%.
The energy sector fell 11.14% during the month of May, the worst performing sector in the S&P 500. The sector is positive by 3.53% year-to-date.
Investor Insights - June 2019
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