Today, we want to discuss some of the alternatives available to intelligent investors and remind Family Office members what the signals are telling us, while answering several of the questions we hear most often.
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August 2024 “First Friday” Market Outlook – Alternatives; What’s Next?
August’s “First Friday” Topics: What are the “Leading Indicators” Telling Us? Should We listen to Leading Indicators or Is It “Different This Time?” If it is “Different This Time” Should We Care? Inflation Reduction or Recession Avoidance – What is Most Likely? Earnings still expected to grow at 12%+ per year over next 5 years; […]
Majority of Plans Overpay. Cut Costs: Now is the Time to Benchmark
Over the course of our conversations during the last 12 months we have heard time and again the outrage regarding the fees and cumulative costs of 401k plan administration. Yes, we know it is a cost center. Yes, we understand that administering the 401k plan is often a thankless job. Yet being a cost center and […]
July 2024 “First Friday” Market Outlook – Looking Stupid vs Being Stupid
July’s “First Friday” Topics: What Event Could Inspire This Bull Market to Move Higher? What Event Forces Overvalued Markets to Move Lower? Presidential Election is Hotly Contested; Financial Market Impacts? Inflation Reduction or Recession Avoidance – What is Most Likely?
Secure 2.0 Act: Unlocking Tax Benefits for Individuals and Plan Sponsors
The Secure 2.0 Act, a landmark legislation aimed at enhancing retirement savings, offers a plethora of tax benefits for both individuals and plan sponsors. This article delves into the potential tax advantages and estimated savings for each group. Individuals 1. Increased Catch-Up Contributions The Secure 2.0 Act raises the catch-up contribution limit from $6,500 to […]
Your Advisor’s Best Kept Secret: Corporate 401k Fees Have Been Shrinking For Years
We have closely monitored the trends in fee levels for corporate 401(k) plans over the past five years. With increasing scrutiny on retirement plan costs, there has been a notable shift towards greater transparency and cost-effectiveness, particularly for larger plans with over $10 million in assets. We have lowered our fees to remain below market, […]
Secure 2.0 Cheat Sheet: 7 Rule Changes You Need to Know
The SECURE 2.0 Act[1] introduced several major changes to 401(k) laws aimed at expanding coverage, increasing retirement savings, and simplifying retirement plan rules. Here are the seven key 401(k) provisions: 1. Higher Catch-Up Contribution Limits Starting in 2025, individuals aged 60-63 can make catch-up contributions to 401(k) plans up to the greater of $10,000 or […]
Footnotes – June 2024
June’s “First Friday” meeting discussed the prevalence of illusions. Illusions combined with clever narratives frequently charm the best of us. And when you mix market appreciation with narratives focusing solely on the positives, realities surrender to perceptions.
Over the course of history, prosperity has discouraged demanding work. Lax behavior goes unpunished. Eventually this behavior leads to the downfall of every great civilization.i And while this discussion is not insinuating America’s decline, it focuses on the “recency-bias” created by prosperity, and the lack of due diligence and critical thinking prosperity encourages.
June 2024 “First Friday” Market Outlook – Illusion: The Siren-Song of Prosperity
June’s “First Friday” Topics: Prosperity breeds confidence. Losses breed fear. Only One Helps. “Recency Bias” and why the investing public is always surprised. Artificial Intelligence has created a spending boom. What is next? Click here to view the corresponding Footnotes Summary of this video
Roth 401k Plan 2024 Changes Provide Greater Flexibility
The SECURE 2.0 Act[1] has brought changes regarding Roth 401(k) rules. These changes align the treatment of Roth 401(k) accounts with Roth IRAs, providing greater flexibility and diversity of tax-advantaged growth opportunities for retirement savers. Elimination of Required Minimum Distributions (RMDs) for Roth 401(k)s One of the most notable changes under SECURE 2.0 is the […]