Changing jobs is exciting, but it also comes with a long checklist. Between updating your benefits, learning a new role, and adjusting to a different routine, it’s easy to forget about the retirement savings you built with your previous employer. One of the most common questions we hear is, “What
If you or your spouse takes time away from the workforce, whether to raise children, care for a family member, or support a household in other ways, it can feel like retirement savings become a one-sided effort. The good news is that a spousal IRA exists precisely to address this
If you’ve spent years at a company that offers employer stock in your 401(k), and that stock has grown significantly, you may be sitting on a tax opportunity that most people overlook when they retire or change jobs. It’s called Net Unrealized Appreciation, or NUA. The strategy is straightforward in
Retirement is one of life’s most exciting milestones, and honestly, one of the most anxiety-inducing. After decades of saving, the big question shifts from ‘how do I grow my money?’ to ‘how do I make it last?’ That shift can feel quite unsettling, especially when markets are unpredictable and no
Fort Worth’s small business community has continued to expand, and with that growth comes increased competition for skilled workers. Offering a competitive retirement benefit is no longer just a perk reserved for large corporations – it has become a baseline expectation for many job seekers across North Texas. For owners
As 2025 tax returns are being finalized, a lot of business owners are starting to ask the same question: Am I doing everything I can to reduce taxes while still building long-term wealth? With potential tax changes on the horizon and many professionals hitting their peak earning years, that question
If you run a business in Fort Worth and offer a retirement plan, it’s easy to think about it as just another employee benefit. Something that helps with recruiting, retention, and checking a box. But the moment you put a plan in place, it stops being just a benefit. It
I review a lot of 401(k) plans for business owners. And here’s the truth most people don’t want to hear:Most of them are technically “fine.”They pass compliance tests. Contributions go in. Statements go out. But financially?They’re often inefficient, outdated, and quietly costing owners tens—or even hundreds—of thousands of dollars over
The fourth quarter of 2025 delivered strong results, with most markets posting gains. International Developed markets led the way, returning 5.20%, followed by Emerging markets at 4.73%. The U.S. Stock market gained 2.4%, while the U.S. Bond market rose 1.10% and the Global Bond market (ex-U.S.) increased 0.52%. The Global
Facing debt can feel overwhelming. Many people wonder if dipping into their 401(k) savings could provide relief. While using your retirement account might seem like an easy solution, it carries serious risks and consequences. The 10% Penalty & Income Tax Hit Withdrawing money from a 401(k) before age 59½ usually