Insurance Services

Advisory Services

Month: September 2025

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Roth 401(k)s: What to Know Before You Contribute

More employers are offering Roth 401(k)s inside their plans, making these accounts more accessible than ever. But just because your employer gives you the option doesn’t mean it’s automatically the right fit. If you’re considering contributing to a Roth 401(k) in 2025, there are several key rules we recommend you understand before making your move. … Continue reading Roth 401(k)s: What to Know Before You Contribute

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The Rise of 401(k) Millionaires: How to Catch Up

401(k) balances are climbing, and more Americans than ever are reaching a major milestone: becoming 401(k) millionaires. According to recent Fidelity data, the number of 401(k) accounts with balances over $1 million has soared to a record 595,000 in June 2025  – a 16% increase from the end of March 2025.¹ So, how are people… Continue reading The Rise of 401(k) Millionaires: How to Catch Up

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Is It Smart to Stop 401(k) Contributions to Pay Off Debt?

If you’re overwhelmed by high-interest debt, you might wonder: Should I stop 401(k) contributions to pay off debt? This is a deeply personal question and one without a one-size-fits-all answer. Debt can feel like a weight dragging your finances down.  And with high-interest rates, the cost of carrying credit card balances, personal loans, or even… Continue reading Is It Smart to Stop 401(k) Contributions to Pay Off Debt?

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Alternative Assets in 401(k)s: Big Changes Ahead?

As retirement plan rules continue to evolve, one area drawing attention is the inclusion of alternative assets in 401(k) plans. In early August 2025, the White House released an executive order that has pushed this issue further into the spotlight.  The order calls for improved access to alternative investments in retirement plans, along with increased… Continue reading Alternative Assets in 401(k)s: Big Changes Ahead?

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8 Life Events That May Require You to Revisit Your 401(k) Strategy

Your 401(k) shouldn’t be a “set it and forget it” investment. While automation makes saving for retirement easier, it doesn’t mean your account should be left untouched for years. Life happens. Big changes in your career, finances, or family life may affect your retirement goals more than you realize.  That’s why we believe it’s important… Continue reading 8 Life Events That May Require You to Revisit Your 401(k) Strategy