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 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 […]


Optimizing 401(k) Plan Administration: Q4 Newsletter

November 13, 2023

Stay informed about the latest updates and responsibilities regarding your 401(k) plan. Our latest newsletter is curated to provide valuable insights on end-of-year administrative tasks, plan headaches to avoid and tax strategies for business owners. Larry Kavanaugh, Jr. AIF®, CPFA, CLU, ChFC 950-A Union Rd. Suite 31 West Seneca, NY 14224 716.674.7200 About […]


Wrapping Up 2023: A Comprehensive Guide to End-of-Year 401(k) Tasks

November 6, 2023

As the end of 2023 draws near, those responsible for their company 401(k) plan have much to consider. With a combination of standard annual tasks and new SECURE Act provisions on your plate, we are here to help you. This article is a helpful guide for wrapping up 2023 smoothly! We will dive into those […]


Just Announced: 2024 Contribution Limits

November 2, 2023

The new Retirement Plan Contribution Limits are official! The following limits are going up for 2024: Review the full list of contribution limit changes below and share with your plan participants!


Boosting Profits and Savings: 5 Tax Strategies for Business Owners

October 23, 2023

For business owners, striking a balance between operating costs and profit is the cornerstone of success. Operating costs include everyday expenses like salaries, rent and supplies. Profit, on the other hand, is what remains after all these operating costs have been paid. It’s the reward for the risks taken and the value created by your […]


6 Common Administrative Tasks That Can Morph Into 401(k) Plan Headaches

October 9, 2023

Managing a 401(k) plan can leave even the most seasoned administrators feeling overwhelmed. With proper support, you can simplify the complex task of retirement plan management. Top 401(k) Plan Headaches The first step is to understand the potential problems. Here are some common issues that can cause headaches for plan sponsors: Navigating the labyrinth of […]


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