In today’s evolving benefits landscape, retirement plan success could hinge on effective strategies. This quarter’s newsletter highlights three areas plan sponsors can’t afford to overlook:       5 Advanced Tax Strategies for Employers Explore advanced savings vehicles designed to support your most valued employees as they prepare for retirement. From cash balance plans to tax strategies and plan structure alignment, there are numerous options that align with executive needs and tax efficiency.       Protecting Your Employees from Bad Financial Advice With more employees seeking financial advice from digital sources like TikTok and Reddit, it’s never been more…

The new Retirement Plan Contribution Limits are official! The following limits are going up for 2026:         Maximum contributions for 401(k), 403(b) and 457 increased to $24,500         Maximum contributions for SIMPLE retirement accounts increased to $17,000         Maximum contributions for Defined Contribution Limit increased to $72,000         Super Catch-up for Age 60-63 remained the same at $11,250 Review the full list of contribution limit changes below and share with your plan participants! 2026 Contribution Limits!   102 WEST HIGH STREET, SUITE 200 GLASSBORO, NJ 08028 HFM Investment…

Let’s talk practical steps to help protect your employees’ and plan participants' data protected while meeting all your fiduciary duties. As a retirement plan sponsor, you're juggling plenty of responsibilities. Investment oversight, fee monitoring, participant education… we could go on and on. But there's another item we need to put on your plan priority list: cybersecurity. If you're thinking "cybersecurity is an IT issue," you're not alone, but you’re also not thinking broadly enough. Many plan sponsors assume data protection falls outside their wheelhouse. But when it comes to your 401(k) plan, cybersecurity is very much a fiduciary responsibility, and…

Protecting Your Employees from Bad Financial Advice Why human-led employee education still matters 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 TikTok tips to viral Reddit threads, employees are consuming an overwhelming amount of financial content, and not all of it is accurate. In fact, much of it can be misleading, incomplete, or…

How can you have fewer questions from your employees and better outcomes during plan changes? By starting with clear communication.    When your retirement plan changes, knowing how and when to communicate is essential. A clear and detailed Participant Communication Checklist helps plan sponsors share plan updates clearly, confidently, and importantly, in a timely way.    From legal notices to plain-language updates, there’s a lot to manage. We’ve made this handy checklist to get you started. It’s a strategic way to bring your internal communications team and HR team up to speed and able to effectively communicate the changes and…

Elevating the value of your retirement plan 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 owners, CFOs, and executives find themselves hitting the ceiling of traditional planning, maxing out the basics while still exposed to significant state and federal tax burdens that erode long-term wealth. The solution? Transform your company-sponsored retirement plan into…

Retirement plan rules are changing, and we are here to keep you informed and updated. Here's what you need to know: Plan Provisions & SECURE Act 2.0: Automatic enrollment, Roth options, student loan matching, and more. Is your plan designed for today’s workforce? Retirement Readiness: Employees need simple, helpful education to make confident choices. How to utilize pre-retiree education to support their journey. Forfeitures, Missing Participants, & Force-Outs: Unvested dollars, outdated contact info, and small accounts can drag your plan down. A quick checklist to clean things up!   Download the Plan Design Considerations Here   102 WEST HIGH STREET,…

Employers can help improve retirement readiness, so workers retire on time. More workers are planning to retire at 70—or never. This could impact your workplace. What’s holding them back? High savings goals Debt and other financial stressors Healthcare concerns Anxiety about leaving work The good news? You can help them feel more ready for retirement by providing helpful education, promoting catch-up savings options, sharing practical healthcare strategies, and offering phased retirement options. Check out our guide here! Let’s chat if you’d like to talk more!   102 WEST HIGH STREET, SUITE 200 GLASSBORO, NJ 08028 HFM Investment Advisors, LLC is…

Smart strategies to optimize your retirement savings and prepare for what’s ahead Retirement might feel far away or right around the corner—but either way, it’s important to be prepared! The new Pre-retirement Savings Guide and on-demand video are here to help you make confident choices. Watch The Video What you’ll learn: Saving benchmarks to help you see if your savings are on track Social Security tips for making the most of your benefits Medicare breakdowns to help avoid surprises Smart strategies for boosting your savings You can also download the corresponding worksheet to help you feel more prepared for your…

Understand the pros, cons, and considerations for moving forward It started with a simple question during a leadership meeting: "What’s in our 401(k) plan—and are plan provisions still working for our team the way they should?" The CEO glanced around the room. No one had a clear answer. The plan had been in place for years, maybe even decades. It quietly ran in the background while the company grew.  But things had changed. New hires were asking about Roth options. Long-time employees were thinking about their retirement. And recent headlines about SECURE Act 2.0 raised more questions. And if the…