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 Forfeitures, Missing Participants, & Force-Outs: Unvested dollars, outdated contact info, and small accounts can drag your plan down.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…

Are your benefits helping employees thrive? With the right tools, you can boost savings, stay competitive, and create a workplace that motivates. Dive into these key strategies to elevate your benefits game. Long-term savings made simple. Encourage employees to focus on their future. Stay competitive, compliant, and cost-effective. Make your benefits a powerful tool. Employee benefits that motivate. Offer benefits that show you care. Get all the tips to improve your benefits strategy and help your workforce thrive.   Read The Full Newsletter Now!   102 WEST HIGH STREET, SUITE 200 GLASSBORO, NJ 08028 HFM Investment Advisors, LLC is a…

Tips for attracting, retaining, and engaging top talent Employee benefits are no longer just extra perks; they’re an essential part of attracting and keeping great employees. A thoughtful benefits program can help create a workplace where employees feel valued and motivated. Here’s how offering the right benefits can make a difference for your team and your business. How benefits help employees stay and succeed When benefits meet employees' needs, they are more likely to stay with their jobs. In fact, 73% of employees say they’d be more likely to stick with their company if their health insurance options were better​​.[1]…

Stay competitive, compliant, and cost-effective Providing competitive benefits is key to building a strong, successful team. Benchmarking is an important tool because it helps you get the data and insights needed to make smart decisions for your benefit plans. It’s also important for meeting rules, avoiding legal trouble, keeping up with industry standards, and supporting your employees. Here’s why benchmarking should be a priority for your company and how you can use it to improve your plans. What is ERISA and why it matters The Employee Retirement Income Security Act (ERISA) sets rules for how employee benefits—like retirement and health…