A failed 401(k) compliance test can create an immediate problem for CPAs, plan sponsors, and business owners, especially when deadlines are approaching. For Phoenix employers with growing teams, changing ownership structures, or a mix of highly compensated and nonhighly compensated employees, an ADP or ACP failure deserves prompt attention. The good news is that failing a […]
mall businesses across Phoenix compete with larger employers for experienced professionals, skilled tradespeople, health care workers, and service employees. A 401(k) plan can strengthen a benefits package, but owners need reliable information about participation, costs, tax incentives, and administrative responsibilities before adopting one. Quick Answer Small employers continue to trail larger organizations in retirement-plan access. […]
For many business owners in Phoenix and across the country, the standard 401(k) feels like a one-size-fits-all solution in a world that demands custom tailoring. You built your business on decisions that reflect your specific goals, your team, and your vision for the future. Your retirement strategy deserves the same level of intentional design. Defined […]
The retirement planning world is about to experience one of the most significant shifts in recent years. Beginning in 2026, high income earners who are eligible to make catch-up contributions to their employer-sponsored retirement plans will face new requirements. These changes stem from the SECURE Act 2.0 Roth rules, which were signed into law in […]
When businesses in Phoenix, AZ look for ways to streamline operations, it can seem efficient to let their payroll company handle everything from employee paychecks to benefits. On the surface, it feels convenient to consolidate services. However, payroll companies are not retirement plan specialists. Their core function is to process wages, manage tax withholdings, and […]
