Your guide from hire to retire.
Working closely with you, we help develop your retirement plan objectives, review any existing plan, and/or design a new retirement plan that will help you achieve your goals.
Unlocking Financial Security: The Power of Qualified Longevity Annuity Contracts (QLACs) What is a Qualified Longevity Annuity Contract (QLAC)? A Qualified Longevity Annuity Contract(QLAC) is a type of deferred annuity funded with money from a qualified retirement plan, such as a 401(k) or an IRA. It’s designed to provide a […]
What is a Collective Investment Trust (CIT)? And How it Differs from a Mutual Fund As a retirement plan sponsor or committee member, you’re probably familiar with mutual funds as the go-to investment option in most 401(k) and 403(b) plans. But you may have also come across Collective Investment Trusts, […]
Roth 401(k): To Contribute or Not to Contribute? A Comprehensive Comparison Top 7 Reasons to Contribute to a Roth 401(k) 1. Tax-Free Withdrawals Contributions grow tax-free, and qualified withdrawals in retirement are tax-free, providing a tax-free income stream. 2. No Required Minimum Distributions (RMDs) Unlike traditional 401(k)s, Roth 401(k)s […]
Simple IRA vs 401(k): Should You Consider Upgrading? As your company evolves, your retirement plan should keep pace. If you’re considering upgrading from a SIMPLE IRA to a 401(k), here are the top five advantages and considerations to keep in mind. Top 5 Advantages of a 401(k) 1. Higher Contribution […]
Maximizing Returns: Strategic Asset Allocation for Roth and Pre-Tax Retirement Accounts As a financial advisor, we employ a strategy that allocates more aggressive and growth-oriented assets to Roth accounts while positioning conservative assets in pre-tax retirement accounts. This approach is designed to optimize the long-term growth potential and overall risk […]
Trustee vs. Authorized Signer: Who Does What in Your Retirement Plan? When managing a retirement plan, such as a 401(k), it’s important to understand the distinct roles involved in overseeing and operating the plan. Two key roles that often get confused are the plan trustee and the authorized signer. While […]
5 Strategies to Reduce Future Required Minimum Distributions (RMDs) Before They Begin If your retirement savings exceed what’s needed to support your lifestyle, required minimum distributions (RMDs) could significantly increase your taxable income and even raise your Medicare premiums. Fortunately, there are strategies to proactively reduce future RMDs or defer […]
Staying Ahead: Key Focus Areas for 401(k) Plan Success in 2025 As 2025 begins, 401(k) plan sponsors are entering another dynamic year shaped by fresh regulatory updates, technological advancements, and the evolving expectations of employees. At Rose Street Advisors, our team remains committed to helping you stay ahead, ensuring your […]
Pros & Cons of Loans and Early Withdrawals from Your Retirement Account When faced with financial needs, taking a loan from your employer-sponsored retirement account, such as a 401(k), can seem like a tempting solution. However, it’s important to understand both the advantages and disadvantages, considering both the short-term and […]
ERISA Bond vs. Fiduciary Liability Insurance: What Plan Sponsors Need to Know Plan sponsors play a critical role in managing retirement plans, and with this responsibility comes risk. Two essential tools to protect both the plan and the fiduciaries are ERIS bonds and fiduciary liability insurance. Here’s what they are, […]