Everhart Advisors: Financial Insights and Resources

Employer Newsletters

How Are Plan Sponsors Measuring Participant Success?

The ultimate proof of retirement plan participant success is in the results: whether the participant achieves a financially secure retirement….

Employer Newsletters

Employer-Supported Emergency Savings Features: Plan Sponsor Considerations

Employees, particularly those early in their careers, are worried about their ability to handle major, unexpected expenses. According to a…

Employer Newsletters

IRS Issues New Guidance on Plan Distribution Safe Harbors

When employees leave an organization, they face an important decision about their retirement savings. Do they leave them in their…

Employee Memos

401(k) Check-ins Can Help You Stay on Track

In many ways, saving through your employer-sponsored retirement plan has never been more convenient. Automatic enrollment, auto-escalating contributions, and target date funds…

Employer Newsletters

Industry Experts Debate ERISA Litigation Reform in Recent Hearing

A December 2, 2025 hearing, titled “Pension Predators: Stopping Class Action Abuse Against Workers’ Retirement,” was convened by Subcommittee Chair…

Employer Newsletters

The Unique Retirement Planning Considerations of “Single Savers”

It’s been widely reported that the marriage rate among Americans has declined sharply in recent decades. According to the Census…

Employer Newsletters

Household Spending Data Reveals Participant Borrowing Patterns

New data suggests individuals’ decisions to take 401(k) loans are driven less by discretionary spending needs and more by day-to-day…

Employee Memos

Saving Goals Designed to Fit Your Personality

The start of a new year is a natural time to set fresh financial resolutions, but unfortunately most don’t last…

Firm News & Events

Everhart Advisors & Hammerman, Graf, Hughes & Company Inc. Announce Strategic Alliance

Dayton, Ohio — February 9, 2026 Hammerman, Graf, Hughes & Company, Inc. (“HGH”), a certified public accounting firm, and Everhart…

Employer Newsletters

OMB Poised to Review Proposed Rule on Paper Statements and E-disclosures

The regulatory follow-through on SECURE 2.0’s paper-statement mandate is now entering its next stage. The 2022 law includes provisions affecting…

Employer Newsletters

Savings Inertia: Moving Beyond the Default

New research has revealed some telling patterns in employee retirement plan contribution rates. According to PLANSPONSOR’s 2025 Participant Survey, nearly…

Employer Newsletters

The $100 Billion Swing Era – Managing Headline Overload

If you think capitalization swings are getting wider and more frequent, you may be right. By the end of October…