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Market Insights

Our Prediction Addiction
- Marcos A. Segrera
If you’ve ever felt the thrill of calling the market right—or the sting of getting it wrong—you’re not alone. As humans, we have an innate desire to predict, to control, and to feel like we’re ahead of the game. But here’s the hard truth: predicting the market is, more often than not, a fool’s errand.…
Business Owners Retirement Planning

Roth vs. Pre-Tax 401(k): Which Contribution Strategy is Right for You?
- Scott DeCecchis
When it comes to saving for retirement, one of the most important decisions you’ll make is whether to contribute to a pre-tax or Roth 401(k). Your choice could have a significant impact on your future tax situation, and understanding the difference is key to making the best decision for your financial future. In this post,…
Business Owners

Streamlining Success: The Power of Payroll Integration for 401(k) Plans
- Scott DeCecchis
Why Payroll Integration Matters In today’s fast-paced business world, companies face the challenge of balancing efficient operations with compliance and employee satisfaction. One area where streamlining operations can make a significant difference is the management of 401(k) retirement plans. Payroll integration with 401(k) systems not only simplifies administrative tasks but also boosts compliance, accuracy, and…
Charitable Giving Estate Planning Family Planning Tax Planning

Wealth with Purpose: Helping Clients Achieve Their Philanthropic Goals
- Michael Walsh
At Evensky & Katz / Foldes, we believe that wealth is more than just a means to financial security—it’s a powerful tool for creating meaningful, lasting change in both personal lives and the communities we serve. As a trusted guide in wealth management, I work closely with my clients to craft charitable strategies that not…
Business Owners

Safe Harbor vs. Non-Safe Harbor 401(k) Plans: Which Is Right for Your Business?
- Scott DeCecchis
When setting up or designing a retirement plan, it’s important to review your choices regarding company contributions and what your budget can afford. Safe Harbor match or Safe Harbor non-elective contributions can be great options to avoid additional governmental compliance testing, ensuring everyone is treated equally when participating in the plan. This allows your employees…
Tax Planning

Maximizing Your Roth IRA: Tax-Savvy Strategies for Long-Term Growth
- Deana Kelly
Roth IRAs offer a unique advantage: tax-free growth and withdrawals. This tax benefit makes Roth IRAs ideal for holding high-growth investments. But how do you strategically maximize the potential of your Roth IRA? Let’s explore. What Makes Roth IRAs Ideal for Growth Investments? Imagine growing your wealth without worrying about future tax bills—this is the…