News and Commentary

SECURE Act 2.0 Changes to Workplace Retirement Savings Plans in 2025 by Olga Ismail, AIF®

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Posted on January 08, 2025 by Olga Ismail
Olga Ismail, AIF® PWA Head of Retirement Plan Consulting and Financial Advisor Registered Representative of PWA Securities, LLC

Effective Jan. 1, 2025, employers must ensure their workplace retirement plans comply with the latest provisions of the SECURE Act 2.0, which aims to improve taxpayers’ retirement savings and the costs and complexities businesses incur administering those plans. Since the law’s enactment, employers of all sizes have gained expanded tax credits for establishing employee retirement […]

Relatable Finance Podcast Episode 161: Relatable Finance Podcast 161: How Long-Term Investors Can Benefit From Market Downturns

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Posted on December 24, 2024 by

Market downturns can be unsettling, but they also present opportunities for long-term investors. In this episode, the South Florida Finance Guys explore the contrasting mindsets of young investors who are steadily saving for the future and those nearing financial milestones, such as retirement. We also discuss key behavioral finance concepts that often mislead investors, hindering […]

Non-Qualified Deferred Compensation Plans Can Maximize Savings Opportunities for Highly Compensated Employees By Sean Deviney, CFP®*

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Posted on December 23, 2024 by Sean Deviney

Employer-sponsored retirement-savings plans, including 401(k)s and 403(bs), are critical for helping businesses attract and retain skilled employees. However, due to government regulations and annual contribution limits, these qualified plans restrict highly compensated employees’ savings opportunities and their ability to build enough wealth to maintain their standard of living in retirement. To bridge this savings shortfall […]

Retirement Savings Contribution Limits for 2025 by Olga Ismail, AIF®

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Posted on December 15, 2024 by Olga Ismail

The IRS released the retirement savings plan contribution limits for 2025, raising the cap on pre-tax contributions to employer-sponsored plans, including 401(k), 403(b) and certain 457 plans. For individual retirement plan contributions, the annual limits remain unchanged. Employer-Sponsored Retirement Plans Employees may contribute up to $23,500 via salary deferral to their workplace 401(k), 403(b) and […]

Is Now the Time to Consider Insurance Products to Generate Guaranteed Income in Retirement? by Scott Montgomery, CLU, ChFC

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Posted on December 03, 2024 by Scott Montgomery

High interest rates and persistent inflation have raised red flags for many investors nearing or entering retirement. In this uncertain environment, soon-to-be retirees are increasingly turning to annuities to help diversify and protect their retirement savings while creating a steady and predictable income stream for all their remaining living years. Determining whether annuity products are […]

Rethinking Inherited IRAs After the SECURE Act by Lee F. Hediger

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Posted on November 28, 2024 by Lee Hediger

The SECURE Act’s elimination of stretch IRAs poses a challenge to many high-net-worth account owners who had hoped to pass their savings to the next generation and allow inheritances to continue growing tax-free over beneficiaries’ lifetimes. Under the law, non-spouse IRA beneficiaries must withdraw the entirety of inherited IRA accounts within 10 years of the […]

Relatable Finance Podcast Episode 159: Navigating the Shift to a Clean, Modern Energy Grid

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Posted on November 26, 2024 by

In today’s episode, the South Florida Finance Guys explore the dynamic forces that are transforming the future of our energy grid. As AI continues to evolve and the demand for clean energy grows, utilities and energy providers are compelled to rethink the technologies that sustain our modern way of life. Tune in to understand how […]

How Can an LLC Protect Physicians from Creditors, Litigation? By Sean Deviney, CFP®*

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Posted on November 20, 2024 by Sean Deviney

Physicians and other healthcare providers recognize the inherent risks of their profession, including legal and financial exposure to claims of medical malpractice. However, this professional liability is merely the tip of the iceberg when considering the legal minefield all professionals must navigate when operating a business, employing staff, owning property and even driving a vehicle. […]

3 Considerations Before Making a Roth Conversion By Robert Mark Weiss, CFA

Posted on November 13, 2024 by

Converting a traditional IRA to a Roth IRA can be a smart option for individuals seeking tax-free growth and the flexibility to take tax-free withdrawals in retirement or pass their savings to future generations free of federal income tax. However, employing this strategy contains significant financial implications that individuals must address and carefully plan for […]

Relatable Finance Podcast 158: Sequence of Return Risk: Are You Prepared?

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Posted on November 12, 2024 by

In this episode, the South Florida Finance Guys discuss the sequence of returns risk, a lesser-known but significant financial concept that can have a profound impact on retirees and anyone making large investments, such as a housing down payment. Sequence of returns risk refers to the order in which investment returns occur and how that […]

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