Blog

Retirement plan rules continue to evolve, and 2026 brings several important updates that may affect plan operations, participant experiences, and fiduciary responsibilities. Nearly 80% of plan sponsors have already taken steps to address SECURE 2.0 changes before their effective dates.[1] Understanding what is required and what is on the horizon can help position your plan […]

As a retirement plan sponsor, you are juggling plenty of responsibilities. Investment oversight, fee monitoring, participant education… the list goes on. Now there’s another item on your priority list: cybersecurity. If you’re thinking “cybersecurity is an IT issue,” you’re not alone. Many plan sponsors assume data protection falls outside their wheelhouse. But when it comes […]

It’s wonderful to live in a time when answers are just a click away. You can easily find out how many inches are in a meter, get TV show recommendations, and find out where the next Olympic Games will happen. But when it comes to financial advice, the internet becomes a far riskier place. From […]

Imagine this: It’s year-end and your CPA just reviewed your projected tax bill. Despite contributing to your 401(k), maximizing deductions, and running a profitable business, you’re still writing a sizable check to the IRS. You pause and think, there has to be a better way. If this sounds familiar, you’re not alone. Many high-income business […]

FRS Advisors Newsletter – September 2025 As summer winds down and we all brace for the busy start of fall—with back to school, kids’ sports, and renewed routines—the financial world remains focused primarily on the Federal Reserve (Fed). At last month’s Jackson Hole Economic Symposium, Fed Chair Jerome Powell signaled that the Fed seems ready […]

Helping employees focus on long-term savings is not easy, especially during uncertain times. Still, employers have seen success. Despite stubborn inflation, a recent survey reports that plan participation and saving rates have reached all-time highs.[1] This is great news, but it’s only part of the solution. Many employees join a retirement plan without fully understanding […]

In our latest blog post, we’re excited to feature Bob Clements, a seasoned financial strategist and entrepreneur, who joins Marques Ogden to discuss the powerful role authenticity plays in wealth management. With decades of experience guiding clients to align their finances with their core values, Bob dives deep into the essential principles of trust, transparency, […]

Here are a few observations about what occurred across the public markets during the month: Market Update: A Gradual Cooldown, Not a Collapse As spring approaches and temperatures rise, the U.S. economy is beginning to cool. After a strong post-pandemic recovery, followed by steady growth driven by resilient consumer spending, economic expansion now appears to […]

Studies have shown that auto-features, such as auto-enrollment and auto-escalation, help boost participation and savings rates. However, not all plans offer these plan design features, and existing plans aren’t obligated to adopt them. Under the SECURE Act 2.0, new 401(k) and 403(b) plans must include auto-enrollment and auto-escalation, beginning in 2025. Choosing to include automatic […]

Change is upon us. The Silver Tsunami is lifting the baby boom generation into retirement. For many companies, this means shifts in 401(k) committee leadership. As with all committee processes, having a clear plan is essential. A well-documented transition process can help new and existing members understand their roles, and smooth and consistent transitions will […]