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Social Security: What You Need To Know

In July 2024, Brandon Oliver of Arcwood Financial LLC. and David Riley of Strategy Financial Group created the following video to provide a high-level overview of Social Security benefits for Arcwood Financial 401k participants and client employees. This video covers key topics such as sources of income in retirement, Social Security benefits at retirement, early retirement and delayed retirement, earnings caps, coordinating benefits for married couples, and spousal/survivor benefits. For a deeper understanding of what could be your largest source of retirement income, please take a few moments to watch the video and explore the links below.

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Smart College Savings Strategies: 529 Plans, Roth IRAs, and More

As of 2024, the average total annual cost of attendance (including tuition, fees, room, and board) is approximately $28,130 per year, or $112,520 for a four-year degree. This figure blends costs across in-state public, out-of-state public, and private institutions based on national enrollment trends. (Source: College Board, National Student Clearinghouse)

These costs are expected to continue rising at a rate of 4–6% annually. With numbers like these, it’s more important than ever to plan ahead.

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Asset Allocation and Riskalyze Portfolio Analysis

When planning for your financial future, asset allocation is one of the most important decisions you can make. It’s not just about diversifying investments; it’s about building a portfolio that aligns with your risk tolerance, financial goals, and market conditions.

At Arcwood Financial, we’re committed to helping you take control of your financial future. That’s why we’re excited to announce that we now offer free risk assessments for existing 401(k) participants and potential wealth management clients using the Riskalyze online risk assessment tool. This cutting-edge platform helps individuals determine their unique risk tolerance and provides a personalized portfolio recommendation.

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401k Compliance Basics – Arcwood Mastery Class

This video provides essential guidance for employer leaders involved in overseeing, managing, and maintaining group retirement plans, such as 401(k)s. It covers critical, high-level topics to assist payroll, HR, and other plan administrators with common challenges, including:

  • Contribution deadlines and handling late or missed contributions
  • Correcting late or inaccurate contributions
  • Understanding self-correction versus VFCP (Voluntary Fiduciary Correction Program)
  • Plan notice delivery requirements
  • Defining eligible compensation
  • Updates to Form 5500 filing requirements
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Guranteed Income Solutions Inside 401(k)s on The Rise

Recent regulatory changes have made it easier for 401(k) plans to offer Guaranteed Income Solutions, providing more retirement security for participants. The SECURE Act (2019) laid the foundation by introducing lifetime income disclosures, a fiduciary safe harbor for annuity selection, and the ability to transfer annuities between plans. SECURE 2.0 (2022) built on this by raising the contribution limits for Qualified Longevity Annuity Contracts (QLACs) and enhancing fiduciary protections. In 2021, the Department of Labor further reinforced these provisions, encouraging more widespread adoption of annuities in retirement plans.

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