Today’s financial world is complex. But, with the right financial partner, it doesn’t have to be. You need confidence and clarity from your financial team. That’s why we never hide behind complicated jargon or push a one-size-fits-all solution. Rather, we provide straightforward, actionable guidance that you can trust.
Our wealth management and retirement plan teams use our in-house experience and expertise to help our clients achieve their financial goals. We uncover missed opportunities that help our clients minimize their taxes and maximize their wealth.
Whatever your goals, we build solutions that serve you best.
Our Services
Wealth Management
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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Investment Advisory
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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Third Party Administration
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 Plan Consulting
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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Financial Planning
Own your financial future. Our clients often have an idea of what they want in retirement but are unsure of how to achieve it. We work with our clients to provide clarity and confidence around the financial decisions encountered during the different stages of life.
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Tax Strategies
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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During the implementation a 401(k) plan, a retirement plan consultant sits with the plan sponsor and explains the various plan design options. There is a lot of flexibility offered, but some provisions carry a level of risk that is greater than others. As an example, offering a 401(k) plan with a non-safe harbor match over a 401(k) plan with a safe harbor match would require annual ADP testing. An experienced consultant would discourage a non-safe harbor match if the owner wanted to contribute the maximum dollar amount allowed and the staff had minimal contributions or possibly no contributions at all. Another plan provision that is important to discuss is the definition of compensation.
Considerations Before Excluding Bonuses in 401(k)
As spring is on its way, after a long and cold winter, I’m excited about all the outdoor activities my family and I can start doing again. Whether it’s a day trip to historic Colonial sites, an excitement filled afternoon at an amusement park or checking out the newest restaurants in downtown Richmond, we are ready to break our winter hibernation. With all of these options, it’s important for us to stay on track with our saving and budgeting goals, and so we try (to the best of our abilities) to use these simple saving tactics.
Six Easy Ways to Save AND Have a Life
See our recap of February's key statistics and market commentary below.
Investor Insights - March 2019
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Our Team
At ACG, we’ve built a team of seasoned professionals that provide our clients with a depth of expertise, experience and hands-on support. We’re proud to introduce our team of highly certified advisors.
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