Articles & Resources

Explore the latest financial news, 401(k) advice and investing resources from the Sage Rutty 401(k) team.

How Often Should I Be Changing Investments (As a Plan Trustee)?

As a 401(k) plan trustee---or fiduciary, plan sponsor, or employer sponsor---your role is to provide a plan that serves your...

How Many Investments Should My 401k Offer?

When creating a 401(k) plan for your employees, one of the most common---and challenging---questions is, "How many different investments...

Do I Have to Show a Profit to do a Profit Sharing?

Profit sharing is an excellent alternative or addition to the traditional 401(k) plan. But one frequently asked question for potential...

Money Moves for New & Expecting Parents

First and foremost, welcome to adulthood and congratulations on becoming a parent! Hope you like Ibuprofen and not sleeping! The addition...

How Much Cash Should You Have On Hand?

There are two problems when it comes to having cash on hand: 1. If you carry too little of cash, you are inviting emergencies by not...

Can I Do Matching and Profit Sharing in a 401(k)?

Businesses typically choose to help their employees' retirement savings...

What is a Safe Harbor?

A safe harbor 401(k) is a retirement plan that helps small businesses maintain their compliance with Internal Revenue Service...

Can I Force Former Employees Out of Our 401(k) Plan?

Employees retire. Or quit. Or change careers. Even if an employee has punched the clock for good, your administrative responsibilities...

What is the Difference Between a Roth IRA and Roth 401(k)?

There are many different tax-advantaged accounts available to American workers.

Understanding Personal Liability

Personal liability is an area of risk that most have some coverage but few understand. Listen in on two experts, Lori Kozach and Chip...