The S&P 500 hit 6,500, but Fed drama, Nvidia earnings, and Bitcoin’s slide sparked volatility in a pivotal week for markets. Continue reading...
Employers make the decision to establish a 40(k), but it has to be good enough for employees to want to participate. An employer is responsible for establishing a 401(k) and for overseeing it as the sponsor and fiduciary. A self-employed individual can also establish an Individual 401(k), which has the same contribution limits and requires none of the testing or auditing of a regular plan. Other options for work-site retirement plans are SIMPLE IRAs, SEP IRAs, and various kinds of profit-sharing and deferred compensation arrangements. Continue reading...
The contribution limits of 401(k)s are generally increased year-to-year and published by the IRS. As of 2016, an individual can contribute up to $18,000, or 100% of compensation, into their 401(k) account on a pre-tax basis. This is the employee’s contribution only, and does not include employer contributions. There is a $35,000 window that can hold employer contributions, which may contain matching contributions as well as a profit-sharing component for a total of $53,000 in employee/employer contributions per year. Continue reading...
IRS Link to Publication — Found Here IRS Publication 15-b outlines the different types of fringe benefits available to employees and describes which ones are taxable to the employee and which ones are not. Fringe benefits might include anything from the use of a company car to an employee life insurance policy paid for by the employer. Fringe benefits may be provided to regular employees or independent contractors (1099 employees). Some examples of fringe benefits include tuition reduction, group disability and cafeteria plans, and childcare benefits. Continue reading...
A 401(k) plan Administrator will usually be an officer of the Employer sponsoring the plan. A 401(k) plan document will specify who is the Administrator of the plan, but it is generally an executive or officer of the company sponsoring the plan. 401(k)s can be sold in packages that are essentially the same from employer to employer. When the design is well-established, and there are systems in place to enroll employees and maintain the plan, such as an employee website, a company’s CFO or human resources department chair may wear the Administrator hat. Some plans require a special administrator, and this may be a requirement of the broker-dealer acting as Custodian, especially if the plan has been designed from an open architecture, and there are many moving parts. Continue reading...
Employers can contribute to an employee’s 401(k) on a matching basis. Some employers will make additional contributions to your 401(k) based on the amount of your own contributions. Matching can be done on a dollar-for-dollar basis, meaning that for every dollar you contribute to your account, they will add a dollar as well. It can also be done using a factor, such as ½, meaning they will contribute a dollar every time you contribute two. Continue reading...
One of the busiest earnings weeks of 2026 is here. From Broadcom’s AI chip revenue and CrowdStrike’s cybersecurity momentum to HPE’s networking expansion and Dollar General’s consumer outlook, investors will gain valuable insights into technology, healthcare, retail, and AI infrastructure trends. Continue reading...
A fragile Iran-Israel ceasefire and dovish Fed signals turned markets bullish, pushing SPY and QQQ near record highs. Nvidia hit a $3.8T milestone, while the dollar weakened. Dive into this week's key market moves and what they mean for traders. Continue reading...
Markets swung wildly this week as gold hit a record $3,500 before falling, stocks rebounded from correction, and Bitcoin surged to $94K—all driven by shifting political rhetoric and strong tech earnings. Continue reading...
Earnings from Sept 1–3, 2025 spotlight DAKT, NIO, CRM, HPE, and more as companies reveal how they’re navigating inflation, tariffs, and shifting market conditions. Continue reading...
July 24–25 earnings bring high-stakes updates from Intel, LVMH, Blackstone, and more. Explore how AI momentum, tariff shocks, and sector-specific headwinds shape Q2 results across tech, luxury, finance, and healthcare in a volatile global environment. Continue reading...
You may know that a 401(k) allows you to make payroll-deducted contributions to a retirement account before taxes are taken out, but how does it work? Employees can either become participants in a 401(k) by voluntary enrollment or by automatic enrollment with the ability to opt-out. Contributions go in before taxes are taken out, and this can reduce an individual’s taxable income or even income bracket for the year. Continue reading...
Beneath headline job numbers, the U.S. labor market is weakening fast. As healthcare carries nearly all employment growth, investors may need to rethink where resilience—and risk—now lie. Continue reading...
Finance, a term often tossed around in discussions about money and investments, is more than just a buzzword; it's a crucial aspect of our daily lives. In this article, we'll delve into what finance truly means, explore its history, and understand its various types and their importance. At its core, finance revolves around the study, management, and utilization of money, investments, and financial instruments. It encompasses a wide spectrum of activities, including handling credit and debt, managing securities, and making investments based on future income streams. Continue reading...
As the December 1–4, 2025 earnings week unfolds, Wall Street gets a stress test on the AI capex boom, bank credit quality, and consumer strength. This deep-dive breaks down sector winners, hidden risks, and what the numbers signal for 2026 positioning. Continue reading...
A packed earnings week could reshape multiple sectors. From Oracle’s massive AI infrastructure investments and Adobe’s AI competition test to NIO’s potential first profitable quarter and record-high gold prices boosting miners, investors face one of the most influential reporting weeks of early 2026. Continue reading...
Healthcare is becoming the most powerful growth engine in the U.S. economy. With rising jobs, aging demographics, and strong demand, discover the best stocks, ETFs, and AI-driven strategies to capture this long-term trend. Continue reading...
Healthcare is becoming the most powerful growth engine in the U.S. economy. With rising jobs, aging demographics, and strong demand, discover the best stocks, ETFs, and AI-driven strategies to capture this long-term trend. Continue reading...
Markets may look quiet after the holiday—but a compressed wave of inflation, GDP, and labor data could spark sudden volatility. This week’s delayed macro releases may force investors to rapidly reset expectations for rates, growth, and risk assets. Continue reading...
Trade tensions, crypto swings, and corporate earnings defined the final week of May 2025. From Trump’s EU tariff delay to Ethereum’s breakout and Nvidia’s strong results, markets surged and stumbled—while savvy investors tracked the action with AI-powered precision. Continue reading...