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The Cash-out Limit change is a no brainer

For over 25 years, the involuntary cash-out limit was $5,000. Now, we have an increase. A...

Those autographs are worthless

My son is a big sports nut, bigger than I’ll ever be. I indulge him with autograph even...

IRS issues Emergency Savings Account guidance

The Internal Revenue Service (IRS) issued Notice 2024-22, which provided initial guidance...

The student loan match

I graduated from school in 1998. 2023 was the year that all my loans were paid off, loans...

Fidelity adds annuity option

Fidelity is offering a new solution, that will allow employees to convert all or a portio...

Reduce expenses and then re-allocate for forfeitures

The practice of forfeitures in 401(k) plans was to reallocate or reduce contributions. Th...

The problem with Bitcoin ETFs

Until they say otherwise, the Department of Labor (DOL) doesn’t want to see crypto in 4...

The mortgage is paid off

There are few regrets in life, but buying a house in Oceanside is at the top of the list....

Tell the employees the truth

I always say the two worst things you can give people are false praise and false hope. On...

Why would any employer do this?

SECURE 2.0 allows employers the opportunity to offer matching contributions and profit-sh...