On July 4, 2025, HR 1—the One Big Beautiful Bill Act—was signed into law, introducing major changes for retirement plan sponsors and employees alike. Highlights include the following and more:

• “Trump Accounts”—a new IRA option allowing employer contributions up to $2,500/year for children under 18, excluded from employee income.

  Although 401(k) contribution limits remain unchanged, this law offers sponsors new tools to enrich their benefits packages and improve financial wellness initiatives.

With significant SECURE 2.0 provisions taking effect in 2026, plan sponsors and employers need to start preparing now. One of the most notable changes is that catch-up contributions for employees aged 50 and older must be made as Roth (after-tax) contributions if their prior-year wages exceed $145,000 (indexed). Although originally set to begin in 2024, this requirement was delayed until 2026. In addition, plan documents must be amended by December 31, 2026, to reflect most mandatory and optional provisions of the law. Other changes already in effect or coming in 2025 include increased catch-up limits for individuals aged 60–63, automatic enrollment in new plans, expanded eligibility for part-time workers, higher involuntary cash-out thresholds, and a return to paper statement delivery. This post outlines the key changes and offers guidance on how employers can stay ahead of compliance deadlines.

Discover how to align your investments with your values using ESG and impact investing strategies. This practical guide explains how to build a portfolio that supports causes you care about—like climate solutions, social justice, or ethical governance—without sacrificing performance.

Today’s clients expect more from their CPAs than just filing taxes. They’re looking for proactive guidance, clear communication, and a trusted advisor who can collaborate with other professionals—like financial planners—to support their full financial picture. Here’s what clients really want from their CPAs, and how firms can rise to meet those expectations.

Understanding key investment terms is essential for making informed financial decisions. In this blog post, we break down four important investment terms—asset allocation, diversification, risk tolerance, and liquidity—to help you navigate your financial strategy with confidence. Read more to strengthen your investment knowledge:

Discover how homeownership impacts your credit score, from mortgage applications to long-term financial benefits. Learn how timely payments, credit mix, and debt-to-income ratios influence your credit profile. Whether you're a first-time buyer or a seasoned homeowner, understanding these factors can help you make informed financial decisions. Read more to see how owning a home can shape your credit and financial future.

Don’t let these retirement pit falls put a damper on your planning process. Stay ahead of the game and avoid these common mistakes one can make when planning for retirement.