401(k) Plan Design for an Age Diverse Workforce

April 22, 2024

Discover insights into 401(k) plan design for a multigenerational workforce. Find out ways to boost retirement readiness and deal with issues unique to each generation. Understand the best methods of retirement saving from Baby Boomers to Gen Z. Larry Kavanaugh, Jr. AIF®, CPFA, CLU, ChFC 950-A Union Rd. Suite 31 West Seneca, NY 14224 716.674.7200 […]


Overcoming Mid-Career Retirement Savings Hurdles

April 15, 2024

Practical tips for Gen X and Millennial workers to save for retirement Life in the middle can be a pickle—just ask any mid-career employee. They’re often caught between a rock and a hard place, or, more accurately, a kid’s college fund and an aging parent’s medical bills. Add to that the rising cost of living, […]


Helping Early-Career Employees Navigate the Saving Maze

April 2, 2024

Ways to boost financial confidence and loyalty for Gen Z employees Have you ever found yourself pondering the classic “If only I could rewind the clock and share some pearls of wisdom with my younger self” scenario? As an employer, you have the chance to share this knowledge with your employees, especially when it comes […]


Plan Sponsor Newsletter: Fiduciary Plan Governance Q1 2024

March 25, 2024

As a responsible plan sponsor, it is crucial to ensure that you are fulfilling your fiduciary governance duty and maintaining proper plan governance. In this newsletter, we will discuss organizing fiduciary files and benchmarking your retirement plan to help you enhance your fiduciary plan governance. Plus, we explore how profit sharing can help reduce your […]


Plan Sponsor Guide: Cybersecurity Checklist

March 4, 2024

It is more important than ever to prioritize the cybersecurity of your company’s 401(k) plan. The Department of Labor (DOL) has recognized this urgency and has issued recommendations to help employers safeguard their plans. For plan fiduciaries, there are many ways you can apply these best practices to effectively manage your company’s retirement plan. Read […]


Is It Time to Benchmark Your Company’s Retirement Plan?

February 26, 2024

While your 401(k) plan may not have a chirping reminder, regular reviews, fee benchmarking, and a prudent process are key. Just as we routinely replace the batteries in our smoke detectors, it’s equally crucial to give your company’s 401(k) plan the attention it deserves. Often, retirement plans are treated like a smoke detector with fading […]


Employee Education: Mastering the Art of Savings Buckets

February 12, 2024

Savings buckets involves dividing money into separate accounts (buckets) each with a specific purpose. Rather than blindly putting money to the side, this gives employees a more organized system of saving and spending. If you want to help your employees in their financial journey, giving them resources on saving best practices is a good place […]


Unlocking Tax Relief and Employee Appreciation: The Power of Profit Sharing

January 29, 2024

Profit sharing is not just a tool to reduce your company’s tax liability; it is also a powerful means of expressing gratitude towards your employees. As we close the books on last year, employers often find themselves looking for ways to lower their impending tax bills. At the same time, companies are trying to retain […]


5 Helpful Ways to Organize Your 401(k) Fiduciary Files

January 22, 2024

Discover top strategies for maintaining organized 401(k) fiduciary files with best practices for compliance and peace of mind. As a plan sponsor, one of your primary responsibilities is ensuring that your company’s retirement plan operates smoothly and within the boundaries of compliance regulations. This is no small feat, especially when dealing with the complexities of […]


2024 Compliance Calendar

January 15, 2024

Stay ahead of deadlines with help from our annual Compliance Calendar. If you have any questions about deadlines or information requested, please contact us to review today! Larry Kavanaugh, Jr. AIF®, CPFA, CLU, ChFC 950-A Union Rd. Suite 31 West Seneca, NY 14224 716.674.7200 L.Kavanaugh@nebstpa.com www.nebstpa.com This information was developed as a general guide to […]


Annual Retirement Plan Questionnaire

December 4, 2023

By conducting an evaluation of your plan’s performance, investment options, fees and other factors, you can identify areas that need improvement and take steps to optimize your plan’s design. This can help you stay on track with retirement plan goals, provide better benefits to your employees and reduce your liability as a plan sponsor. Below […]


Festive Finances: Employee Education

November 27, 2023

Festive Finances! With some planning and creativity, the holiday season can be more affordable and meaningful. We’ve compiled some practical tips to help employees navigate their holiday spending, so they can stay within a budget, reduce stress and fully enjoy this special time of year. Share this employee education piece, “Festive Finances” with your workforce […]


You may experience errors in uploading your census data. Please contact us by email or phone to let us know you attempted the upload. We can retrieve your data from our system.


Website Developed by