News and Commentary

401(k) Plan Sponsors’ Nondiscriminatory Testing Responsibilities By Sean Deviney, CFP®*

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Posted on October 02, 2024 by Sean Deviney

Employers sponsoring non-safe harbor 401(k) plans must perform annual ERISA- and IRS-mandated testing to ensure they do not disproportionately favor highly compensated employees (HCEs) over rank-and-file non-HCEs. It is critical businesses understand the formulas for these nondiscriminatory tests and the steps they must take to fix a failure or risk losing their plans’ tax benefits. […]

Steps Required to Settle an Estate By Scott Montgomery, CLU, ChFC

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Posted on September 26, 2024 by Scott Montgomery

When people die, the settling of their estates and the closing of their financial affairs begin. The entire process can be overwhelmingly stressful for grieving family members and quite time-consuming, depending on the size of the decedent’s estate and the plans put in place before their passing. Following are five critical steps surviving spouses and […]

Relatable Finance Podcast Episode 155: Rate Cuts are Here!

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Posted on September 24, 2024 by

In this episode, the South Florida Finance Guys talk about the Fed’s rate-cutting program, exploring its potential impact on the economy, stock market, and bonds. Whether you’re an investor, an economist, or simply curious about monetary policy, this discussion offers valuable insights into how interest rate changes can shape financial markets and the broader economy. […]

Health Savings Account Contribution Limits Increase in 2025 By Lee F. Hediger

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Posted on September 17, 2024 by Lee Hediger

The IRS recently announced the 2025 contribution limits individuals with high-deductible health plans (HDHPs) may contribute to their workplace health savings accounts (HSAs) to help pay for rising healthcare expenses. HSAs are triple-tax-advantaged accounts that eligible workers may fund with pre-tax dollars and withdraw tax-free when used to cover a broad range of qualifying healthcare […]

Relatable Finance Podcast Episode 154: Market Volatility and Setting Expectations

Posted on September 10, 2024

In this episode, the Relatable Finance guys talk about recent stock market volatility, offering insights and reminders on what to expect during periods of market instability. They explore the importance of setting realistic long-term goals and how to navigate market fluctuations to achieve investment success. Tune in to understand how to stay on course during […]

Relatable Finance Podcast Episode 153: Similarities Amongst the High-Net-Worth

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Posted on August 27, 2024 by

In this Relatable Finance episode, the South Florida finance guys mention common traits they observe among high-net-worth clients. They also converse about spending habits, work ethic, and the varied paths to financial success. Tune in to gain insights into how these characteristics can influence financial outcomes and discover practical tips to enhance your own financial […]

3 Questions Business Owners Should Address Before Exiting Their Companies By Eric Zeitlin

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Posted on August 08, 2024 by Eric Zeitlin

Astute business owners understand the importance of planning their exits in the early start-up stages of their companies before they become mired in the day-to-day operations and constant pursuit of growth and profitability. When built into a long-term business strategy, a well-thought-out succession plan can provide a valuable timeline for maximizing business value and preparing […]

Retirement Planning Demands Time and Effort By Olga Ismail

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Posted on August 06, 2024 by Olga Ismail

Memorable vacations do not happen by chance. They require a certain level of effort and planning to ensure that you stay within your budget and maximize your actual time away for fun, sightseeing and relaxation. The more you plan, the more likely your getaway will meet your expectations. With this in mind, it is surprising […]

Joining an Independent Broker-Dealer Can Strengthen Financial Advisors’ Capabilities, Help to Improve Client Services by Eric Zeitlin

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Posted on July 31, 2024 by Eric Zeitlin

Gone are the days when large, institutional banks and wirehouses were the only ones with pockets deep enough to arm financial advisors with the tools needed to attract and retain wealthy clients. Today, independent brokers/dealers and registered investment advisories associated with independent wealth management firms have access to a wide array of customizable strategies and […]

Relatable Finance Podcast Episode 151: The Most Well-Known Unknown Company

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Posted on July 30, 2024 by

Don’t miss this episode as the South Florida relatable finance guys discuss how Nvidia became a tech giant and a leader in AI innovation. They explore the meteoric rise of Nvidia, a company that seemingly emerged out of nowhere to become one of the world’s largest publicly traded companies. Learn about its journey, technological advancements, […]

IRS Again Delays RMDs for Inherited IRA By Robert Mark Weiss, CFA

Posted on July 26, 2024 by

In April 2024 the IRS again granted taxpayers another year of relief from compliance with recently enacted laws concerning required minimum distributions (RMDs) from tax-deferred retirement accounts, including individual retirement accounts (IRAs) and 401(k)s. The SECURE Act, signed into law in 2019 and amended in 2022 under SECURE Act 2.0, introduced a requirement that certain […]

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