Big news for retirement savers! The IRS just released the updated contribution and benefit limits for 2026, including higher caps for 401(k)s, IRAs, SIMPLE plans, and more.

Employer confidence in workforce retirement readiness is declining, increasing the need for plan sponsors to reassess strategies and partner with advisors to navigate new plan features,  compliance challenges, and rising demand for financial wellness programs.

Ready to enhance your retirement plan and boost workforce financial wellness? Connect with our team to explore tailored solutions and ensure your employees stay on track for a secure future.

The IRS’s finalized regulations under SECURE 2.0 will require employees earning over $145,000 in prior-year FICA wages to make catch-up contributions on a Roth (after-tax) basis starting January 1, 2026. This change presents both challenges and planning opportunities for high earners and plan sponsors alike—impacting tax strategies, plan features, and participant education. 

Employers should review their plan design, coordinate with payroll and recordkeepers, and proactively communicate these updates to ensure a smooth transition.

The path to retirement is shifting as more workers face competing financial priorities and rising costs that make saving difficult. New data shows that even as younger generations start saving earlier, many still find themselves living paycheck to paycheck and expecting to outlive their savings.

Employers and advisors have a unique opportunity to support these workers through flexible plan features, tools, and education that reflect today’s financial realities rather than outdated advice.

As the holidays approach, it’s easy for spending to spiral, but a mindful approach can make all the difference. Creating a realistic budget, being intentional with how you pay, and finding creative ways to save can help you enjoy the season without added financial strain.

Small, proactive choices now not only reduce holiday stress but also set the stage for a stronger financial start to the new year.

The headlines are buzzing about the new Executive Order on expanding 401(k) access to alternative assets—but what does it really mean for plan sponsors and fiduciaries? While some may see this as a green light for private market investments, the truth is more nuanced. This article breaks down what the order actually changes, what it doesn’t, and how advisors can help clients make informed, compliant decisions in this evolving landscape.

While markets near record highs, many workers—especially younger, lower-income, and female employees—still struggle to achieve retirement readiness. This blog highlights how plan sponsors can close those gaps through innovative strategies like emergency savings accounts, student loan repayment matching, and targeted financial wellness education. 

Pooled employer plans (PEPs) are gaining popularity as a way to expand retirement coverage for small businesses, offering lower costs and reduced administrative burdens. However, sponsors should weigh trade-offs in flexibility, governance, and investment options before deciding if a PEP is the right fit for their workforce.