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Retirement Plan Services Overview

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Our retirement plan services team helps plan sponsors provide the right retirement plan for their employees and meet the fiduciary and ERISA responsibilities they take on. 
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"Your Retirement Choices:" A Guide to Making Decisions Regarding Your Pension Benefits
One of the most important letters you may receive is a letter titled “Your Retirement Choices.”   This cheery title sits atop a letter that companies send when it’s time for you to make a decision regarding your accrued pension benefits and is usually sent close to your expected retirement date – although sometimes there is an opportunity to claim benefits early.Choosing the right pension benefit is complex given the number of considerations.  There are single life annuities. Qualified joint and survivor annuities.  Maybe you take a lump sum distribution. What does period certain mean? Will your monthly payouts adjust for inflation over time? For many people their pension benefit is a significant portion of their post-retirement income and so it is critical to make an educated decision that will be best for both long-term financial needs, as well as peace of mind.Attached here is an article from the AICPA that goes into significant detai...
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Tax Diversification - Proactive Steps to Reduce Taxation in Retirement
If you’ve worked with us for any length of time, you’ve certainly heard the term diversification once or twice as it relates to investments.  You may not be as familiar with the term “tax diversification” but know that it is a relevant concern that we consider when recommending your savings options.Tax diversification refers to having different portions of your savings subject to different tax rules, which becomes especially important when you begin making withdrawals during retirement.  The alternatives are: 1) tax deferred savings (IRA, 401k, 403b, SIMPLE IRA), 2) tax-free savings (Roth IRA/401k) and 3) taxable savings in your single name or joint name.The reason tax diversification is important is that we don’t have control over the tax environment when we reach retirement.  Having access to funds that are treated differently from a tax standpoint may allow you to access the funds you need without paying more taxe...
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Everything Old is New AgainThere is always a newer, cooler investment to catch your interest.  The large majority of those may seem to be too good to be true, and usually are.  This phenomenon didn’t just start in the last few months, years, or decades.  See below for charts of a really old one and a fairly recent one.Whether you are talking about a market bubble in tulip bulbs during the 1600’s, or one in Bitcoin in the last couple of years, you can see that human emotion brings a wide swing in prices, on the way up and down.  At their peaks, most speculators believed great things would continue with both of those “investments” (and we use that term very loosely.)  But it doesn’t have to be so exotic.  Fad investing can encompass countries, industries, as well as individual stocks. Over the last several decades, there have been many investment fads that have come and gone.  See how many of them you remember… Nifty...
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Why DHGWA Wants to Serve You

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What we do is important but Why we do it matters even more. Learn what drives DHG Wealth Advisors to create an exceptional Client Experience, including our primary objective: to serve our clients with passion and care.
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DHG Wealth Advisors Podcast Episode 06: Tax Reform
Tax season is officially in full swing. The DHGWA Insights Podcast welcomes DHG Federal Tax Partner, Nathan Clark, to discuss tax reform and five of the most important changes impacting individuals. Join us as we explore why many (but not everyone) will get a tax reduction. Why more taxpayers will be taking the standard deduction. And why you may need to review your tax withholding for next year. 
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DHG Wealth Advisors Podcast Episode 05:  New Limits and Contributing to IRAs
It's not too late!  On this month's show, we are joined by Will Boyd, CPA with DHG, to discuss the key considerations for making 2018 IRA contributions before the April 15th deadline. We play the first edition of the "Ask a DHG CPA" game. And we highlight the IRS's latest increase in retirement plan contribution limits for 2019.  
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IRS increases qualified retirement plan limits for 2019
As you prepare for the new calendar year, one resolution that we often make it to is to take steps towards enhancing our financial future.  As we work with clients towards putting plans in place, we are often asked what are the biggest influencers on reaching retirement goals.  The number one influencer on achieving long term goals  is making regular savings a priority.  Achieving market-like returns along with regular savings is what helps achieve long term financial goals.  Regular savings, versus ad-hoc lump sum contributions to savings also helps smooth out the influence that timing has on the achievement of goals.Additionally, tax-deferred savings (IRA, 401k, 403b etc.) and tax free savings (Roth IRA, Roth 401k) also have significant benefits and are often the first priority for dollars allocated towards savings.The IRS reviews qualified plan limits each year and increases them periodically to keep up inflation.  Generally, the IRS will increase ...
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Current Market Volatility In PerspectiveAfter reaching an all-time market high on September 21st, the S&P 500 entered a bear market (20% decline) in late December, falling to levels last reached in early 2017.  Having experienced positive returns through September, the S&P was down just over 4% for the year.  All other domestic and international equity asset classes had greater full year losses.  Declines of this magnitude naturally cause one to wonder what the future holds and if they should make changes to their portfolios. While it may be difficult to remain calm during a substantial market decline, it is important to remember that volatility is a regular part of investing in stocks.  As a client of DHG Wealth Advisors, you’ve likely been invested through one of the five declines over 10% for the S&P 500 that we’ve experienced since 2008. The biggest, which was a 19% drop at the end of 2011, saw a recovery in just 5 months - although many ...
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DHG Wealth Advisors Podcast Episode 04:  Letter From the Heart
In this episode, we're joined by DHGWA financial advisor Clay Thornton from Charleston, SC and insurance specialist Maria Tobin with DHG Agency.  These two veterans of the industry share the benefits of documenting your family’s financial affairs using DHG Wealth Advisors’ Letter From the Heart.   We’ve designed the Letter From the Heart to be a written summary that can be passed on to your heirs documenting your full financial picture and also to express your end-of-life wishes.Download DHGWA's Letter From the Heart
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