How Retirement Plan Loans Work Most retirement plans that allow loans follow similar guidelines. Participants may typically borrow the lesser of: - 50% of their vested account balance, or - $50,000 The loan is repaid through payroll deductions with interest, usually over five years, although loans used for a primary residence purchase may have [Read More]
As of January 1, 2026, a provision of the SECURE 2.0 Act has fundamentally changed how catch-up contributions work for higher-earning retirement plan participants. If you earn more than $150,000 in FICA wages, your catch-up contributions must now go into a Roth account — meaning you pay taxes on this money now rather than [Read More]
News vs. noise Year 2025 in review: Here’s Q4 2025 helpful context for investors – whether individuals, endowments, or retirement plans – to be informed and remain comfortable towards maintaining a long-term strategy that meets your goals. That and more in this quarter’s Quarterly Context webinar …Watch to stay relaxed by staying informed, and [Read More]
The fourth quarter closed a year defined by shifting policy signals and unexpectedly resilient markets. While fiscal negotiations, central bank actions, and uneven global growth shaped the macro backdrop, risk assets generally extended gains, closing out a volatile year on a constructive note. As the year ended, investors were left balancing strong performance against [Read More]
Strong market performance driven by artificial intelligence has prompted many investors to ask whether current enthusiasm reflects durable, long-term opportunity—or a familiar cycle of overvaluation. It is a reasonable question, particularly after several years of strong returns concentrated in a relatively small group of technology and AI-related companies. Why investors are asking about an [Read More]
Saving enough each year for retirement is the most important thing employees can do towards becoming retirement ready, followed by investing consistently with their life stage and other goals. Not everyone needs to save up to the IRS maximum retirement plan savings limits, but some should save up to the limits (or more, outside [Read More]
News vs. noise The Federal Reserve reduced interest rates for the first time in nine months. Small-cap stocks outperformed large-cap stocks for the first time in quite a while. Market capitalization has not been a consistent determinant of returns in recent months. Overall market valuations remain elevated in certain sectors, yet the broader market [Read More]
Cut, Shut, and Rally 3Q25 was marked by the intersection of policy and markets. A government shutdown capped the quarter after partisan gridlock over spending priorities, while the Federal Reserve delivered its first rate cut in nine months. Equities extended their rally on the back of resilient earnings and an unusually strong September, a [Read More]
At The Advisory Group, we believe bold means purposeful, not risky. It means you enable impact on what you care about most. When you make bold, meaningful financial decisions you can live, lead, and give with intention. Being bold in your financial life doesn’t mean betting big. It means making clear, intentional choices [Read More]
Retirement plan fiduciaries have a critical role in helping employees become retirement ready. With that opportunity also comes fiduciary duties and responsibilities, as well as potential individual and company-level liability if fiduciary responsibilities are not fulfilled. View this presentation to understand fiduciary process frameworks, who is a fiduciary, non-fiduciary plan functions, fiduciary duties & [Read More]
The Advisory Group of San Francisco celebrates over 20 years of helping our clients secure their financial independence. As a pioneer in the industry, we are one of the first independent fee-only financial advice firms in the U.S. We’ve been true fiduciaries since the beginning.
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