August 1, 2024
There are two major types of Charitable Remainder Trusts: These types of Charitable Remainder Trusts are irrevocable trusts that allow for an individual to grant assets to a charity while receiving annual income for a set period of time or for life. An irrevocable trust means, once the trust is set up, changes cannot be made. When the assets are...
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June 24, 2024
How To Choose the Right Investments for RetirementÂ
Making important decisions about investment strategies in advance of retirement will guarantee growth and stability of funds throughout your post-retirement years. With correct planning, your nest egg can be maintained, and even grown, to ensure a comfortable retirement income and offer you the ability to take care of loved ones after you’ve left the workplace. With so many investment options...
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June 17, 2024
How Business’ Can Engage the Younger Workforce in Retirement PlanningÂ
Many companies struggle to get younger employees engaged in their group retirement plans. This can be due to a number of factors, including eligibility requirements, student loan debt, and a lack of financial literacy. But don’t despair! This guide will explore the common barriers young employees face and offer four key methods companies can use to increase participation and empower...
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June 10, 2024
Is Real Estate Investing a Smart Option for Retirement in Central Pennsylvania?
Considering real estate investing as part of your retirement strategy can be a smart move. This guide explores how real estate can offer financial security in your golden years. From rental properties generating steady income streams to potential appreciation in value, real estate has the potential to become a reliable source of income alongside your retirement savings. How to Create...
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June 3, 2024
Debunking 5 Personal Finance Myths You Saw on TikTok
In today’s digital age, social media platforms like TikTok have become sources of personal financial advice, both good and bad. TikTok is flooded with personal finance information with promises of millions, early retirement, thousands in passive income, and more. However, it is crucial to be aware that not all of it is accurate. Myth 1: “Crypto Investments Guarantee Wealth” Cryptocurrency...
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May 7, 2024
How Much Money Do I Need to Retire?Â
Understanding how much money you need to retire is one of the biggest questions we get from our clients, and it is one question we find they do not think about soon enough, or often enough. It is a question that lacks a one-size-fits-all answer, as the ideal retirement savings can vary greatly depending on individual circumstances, lifestyle choices, and...
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May 3, 2024
Fix Your 401(k) Plan – Five Most Common IRS Red Flags for 401(K) Plans
TLDR Red flags in a 401(k) plan can trigger an audit or other scrutiny from the Internal Revenue Service (IRS). Below is a brief list of some common red flags that alert the IRS if an audit may be warranted. Use this list to identify 401(k) plan issues and make sure your TPA (third party administrator) can correct the issues...
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April 26, 2024
Is $1 Million Enough to Retire?
TLDR Planning for retirement is a significant financial milestone for many individuals. Among the many questions that arise during this planning phase, perhaps one of the most common is, “How far can $1 million take me in retirement?” While $1 million might sound like a substantial sum, its purchasing power in retirement can vary widely depending on factors such as:...
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April 25, 2024
 401(k) Audit Red Flags: How Your Company Can Avoid Costly MistakesÂ
TLDR Determining if there are any red flags in your 401(k) audit is not as simple as seeing a bright red flag at the home screen of your 401(k)-plan website. To determine if there are any red flags, you will need to review the various aspects of the plan and determine if there is a potential 401(k) issue that may...
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March 6, 2024
How to Protect Group Retirement Plans Against IRS 401(k) Red Flags
In the ever-changing world of group retirement plans, ensuring compliance with regulations set by the Internal Revenue Service (IRS) is essential in promoting the financial well-being of both the employer and employees. As the plan sponsor of a retirement plan, it is important to be proactive in identifying and addressing potential IRS red flags. Understanding 401(K) Audit Red Flags 401(k)...
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February 28, 2024
401(k) IRS Audit Triggers for Retirement Plans in 2023
An Internal Revenue Services (IRS) audit is an inspection conducted by the IRS to ensure compliance with tax laws and regulations. When a business sponsors a 401(k) plan, audits can be particularly significant as they verified that employers are following the rules governing the establishment and maintenance of retirement plans. The IRS conducts these audits to ensure the integrity of...
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February 20, 2024
2024 Market Outlook: Adapting to Shifting Economic Realities
As we enter 2024, deciphering macroeconomic signals and navigating through dynamic market trends remain pivotal for investment success. The global investment landscape presents investors with a complex list of challenges and opportunities. Understanding the ever-changing economic dynamics is crucial in adapting to the evolving market conditions. Reviewing The Economic Landscape Near You in 2023 In 2023, numerous economies demonstrated remarkable...
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February 14, 2024
Strategies for Investing in Stock Market Volatility
TLDR: Navigating the challenges of a stock market characterized by rapid fluctuations requires a strategic mindset that acknowledges the inherent uncertainty. While stock market volatility may be unsettling, it does not have to discourage investors, rather, it can be seen as a catalyst for informed decision-making and potential growth. What is Market Volatility? Volatility denotes rapid price shifts driven by...
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January 29, 2024
Maximize Your Savings: Understanding 2024’s New Higher IRA and 401(k) Contribution Limits
TLDR; In the ever-evolving financial landscape of retirement savings and tax provisions, 2024 brings promising news for individuals planning for their future. The annual adjustments due to the cost of living have ushered in increased contribution limits for IRAs and 401(k) plans, offering enhanced opportunities for individuals to bolster their retirement funds. What are the 2024 IRA Contribution Limits? Last...
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January 18, 2024
10 Things to Consider Before You Make Investing DecisionsÂ
TLDR; In a world of financial opportunities and pitfalls, the investing decisions you make for your hard-earned money can be a significant step toward building a secure and prosperous future. Whether you are an experienced investor navigating the ever-evolving landscape of financial markets or a novice taking your first foray into the world of investments, the decisions you make can...
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January 11, 2024
2024 Financial Literacy Law: Mandating Financial Education in Pennsylvania SchoolsÂ
TLDR; Pennsylvania’s recent legislative mandate, requiring financial literacy courses in both public and private schools, marks a significant stride towards equipping teens with beginner financial literacy skills. This emphasis on financial education underscores its pivotal role in enabling effective money management and steering individuals away from debt pitfalls. “We are excited to see Pennsylvania enact this legislation. Often times, financial...
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November 1, 2021
A Smarter Way to Reward Your Best Employees
One of the biggest issues companies face is retaining their best employees. Benefits such as maternity leave, lengthy vacation, group retirement plans and healthcare have come to be expected, but they are costly and do not always keep great employees for the long-term. Is there a better option? Rewarding Your Achievers When you increase the types of benefits mentioned above,...
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October 8, 2021
Stop Holding all Your Company’s Value!
So, you’re thinking of selling your company and you think you know what it’s worth. Do you know where your company’s true value is derived from? This is a very simple question that most business owners get miserably wrong. Where the True Value Lies Most owners believe their success comes from the quality of service or product. Or they will...
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June 24, 2021
Four Reasons Strategic Planning Can Up Your Business Success
Strategic planning is not a new concept to business owners; however, it is an activity that is constantly put on hold by many of us. The tendency to get caught in the details rather than the big picture is a trap. It impacts our growth opportunities, increases our stress, and makes the day longer. Below are the four ways that...
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April 2, 2021
Common Misconceptions of Employee Benefits
TLDR; Every business owner knows a horror story about key employees. Some employees are poached by competition, leave and take coworkers or clients with them, or have held the business sale hostage, renegotiating their compensation packages right before the sale finalizes. With our economy growing so quickly, golden handcuffs are more important than ever to retain and attract key talent....
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April 2, 2021
What is the Difference between Traditional and Roth Tax Deferring Accounts?
Retirement vehicles come primarily in two forms Traditional and Roth. These are most commonly found in IRAs (Individual Retirement Accounts) or 401(K)s. They are both tax-advantaged vehicles designed for long-term savings and investments, to help people plan for their long-term goals, such as retirement. Each type of account has its own advantages and disadvantages. The right account for you will...
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April 2, 2021
Identifying Waste Within Your Company’s Operations
Identifying waste within your company’s operations is harder than one would expect. After following the same process and procedures for months or years at a time, we do not always see the bottlenecks as we are so use to the current methodology. Lean Sigma Lean Sigma methodology helps companies increase their bottom line by reducing Muda, the Japanese term meaning...
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Harrisburg, PA Office
Address: 1863 Center St, Camp Hill, Pa 17011
Phone: 717-288-1880
York, PA Office
Address: 3405 Board Rd, Suite 200, York, Pa 17406
Phone: 717-773-4085
