If you’re offering your employees a 401(k), you’re providing them a great retirement benefit. However, in our employee education and enrollment meetings, I’ve found that many employees mistakenly think that their 401(k) is free, not realizing they … [Read more]
401(k) Lawsuits Emphasize Employers Fiduciary Responsibility
Offering a 401(k) or retirement plan for employees is one of the best benefits an employer can offer its employees. However, in our experience working with companies on retirement plans, we've found many are unaware of their fiduciary liability, … [Read more]
Four Emotions That Can Sabotage Your Investments
Emotions can sabotage your financial plan and wreak havoc on your investments. Becoming emotional about investing is common and natural. As humans we’re wired for survival instincts. If we see or smell fire we run the other way. Investing often goes … [Read more]
What Should You Do With Your Old 401(k)?
Legacy often conducts education meetings where we help employees eligible for their company retirement plan understand their options and prepare for retirement. Of all the questions we hear, one of the most common questions employees ask is “what … [Read more]
What Money Mistakes Are You Making?
Everyone makes mistakes with money. As financial advisors, we are often asked what top money mistakes we witness. While many might expect us to expand on investment or retirement saving mishaps, the top five mistakes we see have more to do with money … [Read more]
Why Your Employees Aren’t Contributing to Your Company Plan
When we meet with business owners to discuss their current company retirement plan, many have a goal to use their 401(k) as a marketing tool to attract and retain quality employees. However, a big frustration for many business owners is that … [Read more]
Does Your Business Have a Succession Plan?
We recently had a client who owns a medical practice ask when he should think about a succession plan. When we told him "at least 10 years before you want to leave or sell the business", he felt a bit overwhelmed. Similar to other business owners, … [Read more]
Maxing Out Your Employer’s Match? Now What?
If your employer matches your 401(k) contributions, you have likely heard that your best move is to contribute up to the level your company is willing to match. Most workers follow this mantra, and for good reason. A 50 cents on the dollar match … [Read more]
Three Steps the “Sandwich Generation” Can Take to Avoid Depleting Retirement Funds
Middle aged adults are increasingly being referred to as the "sandwich generation," as they face the prospect of financially supporting both aging parents and young adult children, often simultaneously. In today’s financial landscape, balancing your … [Read more]
5 Reasons You Aren’t Getting a Refund This Year
It’s that time again; when you fret over how much you’ll owe the IRS. Even though your paychecks feel like they’ve been obliterated all year by withholdings, you may be unsure as to whether or not that was enough. There are specific reasons you may … [Read more]
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