For decades, the standard retirement recommendation was straightforward: leave an employer, then roll the 401(k) into an IRA. The rationale was familiar: greater investment flexibility, consolidated accounts, and easier portfolio management. In 2026, that automatic approach is no longer adequate.
Open enrollment is often treated as an administrative task: select a health plan, confirm beneficiaries, and submit the form before the deadline. For affluent households, that approach is incomplete. Benefit elections affect taxable income, household cash flow, liquidity, risk exposure,
Identity Theft: What Steps Can You Take? Safeguarding your identity is no longer optional, it’s essential. Identity theft is a growing threat that can disrupt your financial goals, damage your credit, and create costly legal headaches. The good news? You
Land a new job? Don’t forget about your 401k! What’s great about a 401(k) retirement savings plan is that your assets are often portable when you leave a job. But what should you do with them? Rolling over your 401(k)
As the current year draws to a close, plan sponsors overseeing 401(k) plans have several essential tasks to complete to ensure a smooth transition from the old plan year to the new one. This guide provides insights into what you
A safe harbor 401(k) plan is a retirement savings plan that has advantages for both employers and employees. Here’s why it’s a good choice: Easy Compliance: Safe harbor plans help employers by automatically passing certain annual tests. These tests, like
Compliance testing is a crucial annual responsibility for 401(k) plan sponsors, mandated by the Internal Revenue Service (IRS). It ensures that a company’s 401(k) plan remains equitable, not favoring owners and highly compensated employees (HCEs), and stays within IRS-prescribed limits.
At InSight, we encourage profit sharing as a valuable option within a 401(k) plan, allowing employers to make pre-tax contributions to their employees’ retirement accounts at the end of the year. Contrary to its name, profit sharing doesn’t necessitate that
Key points in this article: The effects of rising home prices on Real Estate Agents tax liabilities Long-term methods for reducing your overall tax exposure Compensation alternatives that save on taxes We have been meeting with several real estate professionals.
