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Your one-stop review for 2020 retirement, health and commuter contribution limits

HSA, tax savings, retirement, 401(k), HSA contributions, FSA contribution limit, high deductible health plan

The IRS announced updated contribution limits for 401(k)s and other tax-advantaged accounts1 for 2020. These increases are more than just random numbers – they translate to significant opportunities for your employees to...

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HSAs and the U.S. healthcare system

HSA, retirement, 401(k), FSA questions, HSA benefits, CDHP, qualified medical expenses

In November 2018, Gallup released the results of a poll showing 79 percent of people were dissatisfied with the total  cost of healthcare in the United States. 

That same poll asked respondents to describe the U.S. healthcare...

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Can you auto enroll your employees into an HSA?

HSA, Employers, retirement, 401(k), HSA contributions

There is a phenomenon known as "status quo bias." When given the choice to do something and do nothing, it’s what causes people to do nothing. Status quo bias leads to people to not check the box, or not enroll in workplace...

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How to retire younger using an HSA

HSA, HSA investing, tax savings, 401(k)

FIRE (Financial Independence, Retire Early) is quickly becoming a new mantra for young workers and it just may be a solution to retiring early. It has piqued the interest and been reported in major news outlets like the New...

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Do CDH plans really work?

HSA, tax savings, 401(k), HSA contributions

The cost of healthcare continues to steadily rise year over year. In an environment of escalating premiums, many employers are in search of alternatives to the status quo. Whether the solution is a lower cost plan or increased...

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Why employees leave and how to keep them using a health and wealth strategy

HSA, Employers, tax savings, retirement, 401(k), HSA contributions

Since the inception of the employer-employee relationship there has been employee turnover. Every employer knows that turnover is inevitable and have factored in the costs into the price of doing business.

One way to lengthen...

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3 ways to make your HSA and 401(k) work together

HSA, HSA questions, 401(k)

If your employees are like most other workers in the U.S., it is highly likely that they are not saving enough for retirement. In fact, studies show that among all generational groups, many people will need to work much longer...

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What are the differences between a 401(k) and a SIMPLE retirement plan?

retirement, 401(k), Financial Advisors

Companies moving from a SIMPLE IRA to a 401(k) plan are usually seeking some additional flexibility and have outgrown their current SIMPLE plan. The questions arise: What is a SIMPLE retirement plan? And how is it different...

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The lowdown on 401(k) plan audits

retirement, 401(k), Financial Advisors

Have you ever had to endure a 401(k) Audit? For most plan sponsors, they are not a pleasant experience. We're not referring to being audited by the DOL or IRS, we're referring to the annual audit attached to Form 5500 that is...

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A simple guide to 401(k) testing

retirement, 401(k), Financial Advisors

The 401(k) industry is a complex mixture of rules and regulations that are written and enforced by numerous government entities. Due to this arrangement, there are a lot of complications that can arise. Every year, 401(k)...

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